5 Key tips for choosing the best dental insurance

Finding the right dental insurance can be overwhelming, but understanding coverage, costs, and claims processing makes it easier. Here’s how to choose wisely – and how HICAPS can simplify your claims.

Choose coverage that fits your needs

Not all dental insurance plans are the same. Consider what kind of dental care you need:

✔ Basic plans cover check-ups, cleanings, and fillings.

✔ Comprehensive plans include crowns, root canals, orthodontics, and other major treatments.

Compare premiums, coverage limits, and out-of-pocket costs to find the best fit for your dental health and budget.

Check if your health fund supports HICAPS

HICAPS is an electronic claims system that processes health fund claims instantly at your dental appointment. If your health fund supports HICAPS:

✔ You only pay the gap amount on the day.

✔ No paperwork or waiting for reimbursements.

If your health fund isn’t HICAPS-compatible, don’t worry! You can still claim your rebate – you’ll just need to pay upfront and lodge the claim yourself. We provide an itemised treatment plan to help you understand your costs before your visit.

Understand gap payments

Ever wondered why you still have an out-of-pocket expense after making a claim? At The Practice, we remain independent of health fund agreements, which means:

✔ Your care is based on what’s best for you—not insurer-imposed limitations.

✔ You might have a gap payment, but with HICAPS, you only pay the difference after your rebate is applied.

✔ No paperwork, no hassle – just simple, straightforward claims processing.

Know your rebate before your visit

Health fund rebates vary depending on your plan. To avoid surprises, we provide a detailed treatment plan so you can:

✔ Call your health fund in advance.

✔ Confirm what your rebate will be before your appointment.

This ensures complete transparency about your costs.

Don’t rely on ‘Preferred Providers’

Preferred provider networks may seem convenient, but they often come with limitations. Many providers agree to insurer-set fees, which can impact the level of care you receive.

At The Practice, we choose to remain independent so we can:

✔ Offer a wider range of treatments.

✔ Prioritise high-quality care tailored to your needs.

✔ Use the best materials and treatment options without insurer restrictions.