Payment Options

Available Payment Methods for Your Dental Treatment

*Treatment recommendations are based on clinical assessment of your oral health needs. Payment options are available to assist with recommended treatment, but payment availability does not determine whether treatment is necessary or appropriate. Your dentist will discuss clinically indicated treatments during the consultation.

Use Your Health Fund Cover Here

We Accept All Major Health Funds

We welcome patients with health fund cover and can process your claim on the spot. Bringing your health fund card to your appointment helps us check your available cover and submit claims directly, making payment straightforward and convenient for you.

Child Dental Benefits Schedule

The Child Dental Benefits Schedule (CDBS) is an Australian Government programme that provides eligible children aged 0-17 with up to $1,158 (indexed yearly) in benefits over two consecutive calendar years for basic dental services. Children must be eligible for Medicare and receive, or be part of a family receiving, certain Australian Government payments.

The CDBS does not cover orthodontic treatment, cosmetic dental work, or dental services provided in a hospital. Contact our team to learn more about how the CDBS works and whether your child qualifies for these benefits.

Afterpay lets you spread the cost of your dental treatment into four equal payments, making care more manageable. You can pay for treatment recommended by your dentist over time without delay, helping you manage your budget with greater flexibility.

Your total treatment cost is divided into four equal payments, with the first payment due at the time of your appointment.
The remaining three payments are automatically deducted from your chosen payment method every two weeks afterwards, creating a manageable payment schedule over eight weeks.
You can complete your treatment and begin your payment plan on the same day, with no waiting period required, allowing you to proceed with recommended care without delay.

Important Information About Afterpay

Before choosing Afterpay, it’s helpful to understand the requirements and terms involved. Afterpay approval is subject to eligibility checks, and fees may apply if payments are missed, so it’s worth considering whether this option suits your financial circumstances.

Afterpay approval is not automatic and depends on factors assessed during the application process, including your payment history and account standing with Afterpay.
Late fees apply if scheduled payments are not met on time, and repeated missed payments can affect your ability to use Afterpay in the future.
Your dentist will assess your oral health needs during consultation, and Afterpay is available to assist with recommended treatment, not to encourage unnecessary procedures.
Afterpay has spending limits that vary by account, and treatment costs exceeding your available limit cannot be processed through this method.

The National Dental Plan (NDP) offers interest-free payment plans for dental treatment, allowing you to spread costs over weekly, fortnightly, or monthly instalments. This can make larger treatments more accessible by breaking down the total cost into smaller, regular payments that fit your budget.

Interest-free payment plans mean you pay only the treatment cost, with no additional interest charges added to your instalments.
Payment schedules can be tailored to suit your circumstances, with options for weekly, fortnightly, or monthly payments over an agreed period.
Applications are processed quickly, often providing approval within hours, so you can proceed with treatment without lengthy delays.
The plan covers a wide range of dental treatments, from general care to more extensive procedures, giving you flexibility in managing your oral health needs.

Early Superannuation Release via SuperCare

In exceptional circumstances, eligible Australians may access superannuation early for medically necessary dental treatment. SuperCare is a third-party service that can assist with applications to your fund.

*This permanently reduces your retirement savings and should only be considered after exploring all other payment options and seeking independent financial advice.

Seek financial advice first: Consult an independent financial advisor before proceeding. Early superannuation release has serious long-term impacts on your retirement income that extend beyond dental care.
Eligibility assessed independently: The Australian Taxation Office (ATO) and your superannuation fund determine eligibility based on medical necessity criteria. Approval is not guaranteed and is assessed independently by your fund, in accordance with ATO guidelines, not by dental clinics.
Clinical necessity only: Your dentist recommends treatment based solely on clinical assessment during consultation, regardless of payment method availability. Treatment recommendations are never influenced by payment options.

Understanding Treatment Eligibility

The Australian Taxation Office (ATO) sets eligibility criteria for early superannuation release, which your fund applies when assessing applications. Not all dental procedures are eligible for early release.

The ATO sets criteria for which treatments qualify as medically necessary.
Treatments must address oral health conditions that significantly affect your quality of life or daily function.
Cosmetic or elective procedures typically do not qualify for early superannuation release.
Clinical documentation from your dentist supports your application, but does not guarantee approval.
Contact your superannuation fund or visit ato.gov.au to understand specific eligibility requirements.