14 Oct 2010 11:06 PM
|most dentist are private , and you pay , if you have auxillary private health insurance , then you get some thing towards the cost ,
if you go private auxillary insurance they generally have a list of dentists that they work with , that leave you less out of pocket , or you can choose your own dentist and you pay the bill and then go to your insurer and get a percantage of the bill back ,
if you call into hbf or medibank they will explain it all much better to you ,
your children are covered through their schooling for general dental until they are seventeen , if they require more complex treatment like orthadontal then again you pay your self or use your private insurance .
keepall out of pocket expenses for doctors , prescriptions , physio , optical dental etc if they amount to over two thousand a year [ i think this is the correct amount for a family] then you can put the costs against your tax and claim a percantage back over the first two thousand , [ eg this is easily done if you were paying orthadontal costs as its expensive ] |