Is it worth joining a health insurance scheme for dental work and is there a company that will allow dental coverage only without paying for hospital or medical benefits?
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According to my receptionist who handles the HICAPS, the best dental plans are R & T (transport union), or Teachers' Federation. For either of these you need to have a family member who is in that industry. Next best is NRMA for anyone to join. Worst at present is NIB. Whether it's worth joining is a tricky question - it depends on what your current needs are, and what might happen in the future. If you have good teeth with no holes, then you would only need cover for perhaps braces and wisdom teeth. Might be better just saving up the money after you consider the amount you would have to pay in (12 months qualifying period), and the amount of rebate you would get back. Or take out a loan if either of these treatments are necessary. If you've had lots of cavities, then you'll probably benefit from cover because you'll always have something that needs maintenance/repair. Similarly if you're a parent with kids and they might need treatment. The health funds only bundle dental with hospital because they make most of their profits from the hospital cover. The dental/chiropractic/sports/ ... cover is an add-on. Consider going to a dentist for a check-up and standard diagnostic Xrays (bitewings) plus an OPG Xray for wisdom teeth before you make a decision. Ask him/her their opinion.
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