• Hospital cover
• General or Ancillary cover (e.g. Dental, Physiotherapy, etc…)

• The health fund you are a member of
• The type of cover you have
• The level of your cover
• Your cover’s annual limit

• HCF
• NIB
• smile.com.au partner health funds, including
  • GMHBA Health Insurance
  • Australian Unity
  • Peoplecare
  • Health.com.au
  • Frank Health Insurance
  • myOwn Health Insurance
  • AIA Health Insurance
  • Health Care Insurance

If your dental treatment fees exceed the rebate that your private health insurance provides, you will have to pay the “GAP”, or excess. This can be done by cash, credit/debit card, or an interest-free payment plan.

Again, the rebate you receive from your private health insurer will vary depending on your insurer’s policy, your level of cover and your cover’s annual limits for dental treatment.

To find out the amount of rebate you will receive, you will have to contact your private health insurer directly. 

Your annual limit is the maximum amount you can claim for a specific extras service. It resets at the start of a new year. 

So when does your annual limit reset?

In general, the annual limit resets at one of the following times, depending on your health fund’s policy:

• 1st of January
• 1st of July
• The anniversary of your policy

Click here to find out more on when your annual limit resets.

Any unused benefits will not be rolled over to the next year when your annual limit resets.

Lifetime Limit

You should also be aware of your health fund’s lifetime limit policy. The lifetime limit is the dollar limit they will rebate for certain services during the entire time time you are enrolled in their plan. Lifetime limit does not reset annually.  

Aperture Dental is excited to be part of the HCF More For Teeth program since 2013.

As a More For Teeth HCF dentist preferred provider in Sunnybank Hills, we are here to support HCF members in achieving their best oral health with a lower out of pocket cost.

What does this mean for HCF Members*?

• Check and clean
• X-rays
• Fluoride
• Mouthguards

Aperture Dental is proud to be part of NIB First Choice Dental network. 

As an NIB preferred provider for dental services, we are committed to delivering high quality dental care that is value for money.

What does this mean for NIB members*?

• Rebates for unlimited number of preventative dental care visits (check + clean and fluoride) each year
• 60-75% rebate on all dental services
• Competitive pricing (fees as set by NIB)

Which health funds have access to NIB First Choice network benefits?

• AAMI
• Suncorp Insurance
• APIA
• Qantas Insurance