As the end of the financial or calendar year approaches, many Australians miss out on a valuable opportunity – using their dental health fund benefits before they reset! If you’re with a private health insurer and have dental extras cover, your entitlements are likely tied to an annual limit that refreshes either on December 31st or June 30th, depending on your policy. Unfortunately, any unused benefits typically expire, and you lose them for good.

At Stockton Dental, we often see patients who could have accessed necessary dental treatments or long-awaited cosmetic procedures—but missed out simply because they didn’t realise their benefits were about to reset. Don’t let this happen to you.

Why You Should Act Now: Protect Your Smile and Your Wallet

Think of your benefits as “use them or lose them” – because that’s exactly how most dental cover works. Here’s why scheduling your visit today is a smart decision:

✅ Priorities Preventative Care

Most health funds offer significant rebates—or even full coverage—for preventive services like:

• Routine dental check-ups
• Professional teeth cleaning
• Fluoride treatments

These visits are essential for maintaining good oral hygiene and catching early signs of potential problems, such as gum disease or decay. If you haven’t had your regular check-up this year, now is the ideal time to book. Preventative care is especially important for children, and our team provides specialised children’s dentistry services to ensure every smile is looked after.

✅ Address Delayed Dental Issues

Been postponing that filling? Interested in whitening your teeth or exploring options for dentures? Now’s the time to use your remaining benefits to reduce out-of-pocket expenses. Health funds typically cover a portion of:

• Fillings
• Whitening treatments
• Crowns and bridges
• Dental implants and more

Why wait and pay more next year, when you can offset costs using your current benefits?

✅ Take a Proactive Approach

Even if your teeth feel fine, a comprehensive dental exam can uncover issues before they become serious. The Stockton Dental team can detect early signs of conditions like gum disease or enamel erosion—giving you peace of mind and the chance to plan ahead.

Your Dental Benefit FAQs – Answered

When do my benefits expire?
Most dental health fund benefits reset either on December 31st or June 30th. Check your specific plan or contact your insurer to confirm.

What’s covered under my plan?
This varies depending on your policy. Generally:

• General dental (check-ups, cleans, X-rays) gets the highest coverage
• Major dental (root canals, crowns, implants) may be partially covered

How can I check my remaining balance?
Simply log in to your health fund’s online portal or contact them directly. They’ll let you know how much you can still claim.

Health Funds Accepted at Stockton Dental

We proudly partner with all major Australian health funds, including:

• Medibank
• Bupa
• HCF
• nib
• HBF
• Teachers Health
• CBHS
• Frank Health Insurance
• GMHBA
• Australian Unity, and many more.

At Stockton Dental, we offer HICAPS on-the-spot claiming, meaning you’ll only pay the gap amount. If you’re not sure what’s covered under your plan, just give us a call—our friendly team is happy to help you navigate your entitlements.

Make the Most of Your Health Fund with Stockton Dental

We’re committed to providing comprehensive, quality dental care and making it as accessible as possible. Don’t lose your benefits to the calendar! Schedule your appointment today, and let our experienced team help you get the most value from your health fund.

Appointments fill up fast as the deadline approaches, so don’t wait—secure your spot today by calling us or booking online.

Invest in your oral health and smile with confidence – before your benefits expire!
Talk to the experts at Stockton Dental.