Payment plans, health funds & super
Care now, in a way that works for youPayment plans, super access, health fund claims and Medicare rebates, all in one place.
Worrying about cost is completely normal, and it shouldn't be what keeps you from treatment. Here's every way you can pay, explained simply, so you can choose what feels right.
- Clear guide prices
- Medicare rebate on part of the sedation fee
- Fixed written quote first
- No pressure, ever
How would you like to pay?
Tap one to see how it works
Help me choose
Not sure where to start? Three quick questions
Answer these and we'll point you to the option that usually fits best. It's a starting point, not a commitment, and you can always talk it through with us.
1Do you have extras cover with major dental?
2Would you rather not take on a loan?
3How soon would you like treatment?
Your starting point
Answer the questions above and we'll suggest where to start.
There's no wrong answer here. Every option below is one our patients use.
See how it worksHealth fund
Good if you have extras cover
- May pay towards part of the cost
- We can often claim on the day
- Medicare may rebate part of the sedation fee
Super access
Good if you'd rather not borrow
- Uses your own super, if eligible
- SuperCare helps with the paperwork
MediPay
Good for larger treatment
- Made for medical and dental costs
- Paid straight to the clinic
You can combine options too. Many people use their Medicare and health fund rebates first, then one of the other options for the rest. Approval, fees and terms apply to payment plans.
Health funds
Your extras cover may chip in
If you have extras cover with major dental, your fund may pay towards part of your treatment. It rarely covers everything, but it can take a real bite out of the cost.
Ask us for your item numbers
Every treatment has standard dental item numbers. We'll give you yours at your consultation, along with your written quote.
Check with your fund
One quick call or an online quote with those item numbers tells you exactly what your fund will give back. The checklist here makes it easy.
We claim on the day where we can
In many cases we can process your claim at the clinic, so you only pay the gap rather than the full amount up front.
A note on Medicare. Medicare doesn't cover implants or the dental work itself, but if you have Medicare you may get a rebate on part of your sedation fee. We'll give you the item numbers so you can check exactly what you'll get back.
Keep this handy
What to ask your fund
Tick them off while you're on the phone or in their app. Five answers is all you need.
Super access
Using your super, without the paperwork headache
If you're eligible, you may be able to release some of your super early to pay for dental treatment. It's your own money rather than a loan, and SuperCare manages the application from start to finish.
Start here
Could this be an option for you?
- You have super savings you'd rather use than take on a loan
- Your treatment is one a dentist says you need, with a written quote to match
- You're happy to wait a few weeks for the approval to come through
Not sure if you qualify? Super is released on what the ATO calls compassionate grounds, and the rules are specific. SuperCare checks your eligibility before anything is lodged, so you'll know where you stand early.
Step by step
How it works, start to finish
Your consultation and written quote
Dr Niels confirms what you need and you leave with a fixed quote. That quote is what the application is built on.
SuperCare checks your eligibility
QuickA short check before anything is lodged, so there are no wasted applications.
The application goes to the ATO
SuperCare handles itSuperCare prepares the paperwork with the medical reports and your quote, and lodges it for you.
Approval and release of funds
Usually a few weeksOnce the ATO approves it, your super fund releases the money. This wait is why it pays to start early.
Your treatment goes ahead
With the funds through, we book your treatment day. Nothing happens until you're ready.
Worth knowing. Using super early can affect your retirement savings, and part of what you release may be taxed. It's worth speaking with a financial adviser before you apply, and SuperCare will walk you through both points.
No pressure from us. If your application is approved, you still choose if and when to go ahead. The money is yours, and so is the decision.
Payment plans
A payment plan made just for health care
MediPay focuses on one area: payment plans for medical and dental treatment. That focus makes the process feel simple, especially for bigger treatment like implants.
- Quick to find out where you stand. A short online check tells you early if MediPay is an option, before you fill anything in properly.
- No deposit to get started. There's nothing to pay up front to put a plan in place.
- Paid straight to the clinic. MediPay pays us directly, so you're never the middle person moving money around.
MediPay is a credit provider. Approval, interest, fees and terms apply and are set by MediPay, not by us. You'll always have your fixed written quote first, so you know the total cost before you apply.
How fast it moves
Often sorted in a day
- Over a cuppa
Apply online
The application takes about five minutes, from your phone or laptop.
- Usually within the hour
Get your answer
MediPay comes back quickly, so you're not left waiting for days.
- When you're ready
Book your treatment day
Once your plan is approved, we lock in your day and MediPay pays us directly.
Repayments, your way. You choose fortnightly or monthly repayments with MediPay, and you can pay it out early whenever you like.
Medicare rebates
Medicare may give some of your sedation fee back
Medicare doesn't cover implants or the dental work itself. But your sedation is given by a Medical Anaesthetist, and if you have a Medicare card, you may be able to claim a rebate on part of that fee. It's money back that a lot of people don't know about.
How it works
Finding out what you may get back
Every rebate depends on your treatment and your circumstances, so we'll go through it with you.
- Bring your Medicare card. That's all we need to look at what may apply to you at your consultation.
- See it on your quote. Your written quote lists the item numbers, so you can see what's claimable before you decide.
- Use it with your other options. Your Medicare rebate works alongside your health fund, super or MediPay.
The amount you get back can vary based on your treatment, any concession card and Medicare guidelines. Medicare doesn't cover the dental work itself.
Mix and match
Most people use more than one
You don't have to pick a single option. Tap the pieces below and watch how they can share one treatment cost between them.
Imagine the bar is your written quote. How could it be covered?
Popular mixes
The sizes here are just to show the idea. Your real mix depends on your cover, your super and what suits you, and we'll map it out with you at your consultation. Your total never changes with the mix. Approval, fees and terms apply to payment plans.
Talk it through
Money questions are welcome here
You don't need to have it figured out before you call. Bring every question about cost, cover and payment to your consultation, and we'll map out a way that works for you. No judgment, no pressure.
- Fixed written quote before anything is decided
- Every option explained in plain English
- You decide in your own time
Questions
Money questions, answered
The payment questions people most often ask us, with straight answers.
Still wondering about something?
Ask us anything. There are no silly questions here.
Yes, and most people do. A common mix is your Medicare and health fund rebates first, with a payment plan or super covering the rest. We'll map out your mix at your consultation.
With MediPay, there's no deposit needed to set up a plan. If you're paying another way, any deposit is shown clearly on your written quote before you decide anything.
MediPay is a credit provider, so an application can appear on your credit file, like any credit product. If you're unsure, it explains this during the application, before you commit to anything.
Usually a few weeks from application to the money arriving, because the ATO needs to approve it. That's why it's worth starting early. SuperCare handles the paperwork and keeps you posted.
No. Most people come in first, get their written quote, then sort out payment. Your quote is what payment plan and super applications are built on anyway.
Yes, partly. If you have Medicare, you may get a rebate on part of your sedation fee. Medicare doesn't cover implants or the dental work itself, so extras cover through a health fund and the options on this page are the usual ways to bring the rest down. We'll give you the item numbers so you can check.
It depends on your fund, your level of cover and any waiting periods. Ask us for your item numbers, and one quick call to your fund tells you exactly what you'd get back.
It's not the end of the road. Super access, a health fund rebate and paying in stages are all still open to you, and we'll quietly help you find the path that works.
Yes. MediPay lets you pay out your plan early, with no early repayment penalties.
Not here. Our treatment coordinator talks payment options through every single day, without judgment. You'll never be pushed, and you can take your quote home to decide.
Still wondering about something?
Ask us anything. There are no silly questions here.
No matches. Try another word, or give us a call.