Money shouldn't be the reason you keep putting it off.
A lot of people delay calling us not because they're unsure about treatment, but because they're unsure about the number attached to it. So before anything else — here's exactly how paying for care at Magical Smiles works, in plain English, with no surprises left for the day of your appointment.
Caroline Springs · 1 Lancefield Drive VIC 3023 · Mon–Sat, 9:00 AM–5:00 PM. HICAPS, Humm, Afterpay, Zip, SuperCare and DVA all accepted.
Most people don't call because they're assuming the worst.
It's a quiet, common pattern: a tooth's been bothering you for a while, or a check-up is overdue, and somewhere underneath it is a half-formed worry about what it's all going to cost — so the call never quite gets made. That hesitation is completely understandable, and it's exactly what this page is here to clear up before you ever pick up the phone.
If you are comparing ways to pay, read the Afterpay information and check its current terms before deciding. For questions about early superannuation release instead, our SuperCare page explains that separate process and its limitations.
- You'll know your out-of-pocket cost before you leave for most health-fund claims, thanks to on-the-spot HICAPS processing.
- You don't need to pay everything upfront — Humm, Afterpay and Zip let you spread eligible treatment over time.
- There may be options you haven't considered, like SuperCare, if the usual routes don't quite fit your situation.
Claiming on the spot, not the following week.
We use HICAPS at Caroline Springs, so most private health fund benefits are calculated and claimed electronically while you're still at reception — not mailed off and followed up on later.
In practice, this means your appointment ends the same way it would with any other errand: you're told what's covered, what's left over, and you settle the gap there and then. We accept all major private health funds through HICAPS, and DVA cardholders are also welcome — just bring your card along and our front desk will talk you through what applies.
If you're ever unsure what your particular fund or level of cover includes, that's a completely reasonable thing to ask before you book, not just on the day. A quick call is usually enough to get a clear answer.
Health fund benefits vary by provider, policy and treatment type — actual rebates are confirmed by HICAPS at the time of claiming, not guaranteed in advance by Magical Smiles.
Claimed and settled before you walk out
Health funds we work with
Cover, benefit levels and waiting periods vary by fund and individual policy — check with your fund before your appointment if you'd like to confirm specifics.
Three ways to pay over time, not all at once.
Which of these fits how you'd rather pay is entirely up to you — we simply make all three available for eligible treatment plans, so the decision isn't forced into a single lump sum.
Humm
A fortnightly repayment plan, useful for larger treatment plans spread over a longer period. Our reception team can talk you through what a plan might look like before you commit to anything.
Subject to Humm's own eligibility criteria, fees and approval — terms are set by Humm, not by Magical Smiles.
Afterpay
A familiar instalment option for smaller, everyday treatment amounts — the kind of plan you may already use elsewhere, now available at the front desk here too.
Subject to Afterpay's own eligibility criteria, fees and approval.
Zip
Another instalment option worth asking about if Humm or Afterpay don't quite suit your treatment amount or preferred repayment rhythm.
Subject to Zip's own eligibility criteria, fees and approval.
None of these are right or wrong choices — they're simply different rhythms for the same outcome. Our team is happy to talk through which one tends to suit your situation, without any pressure to decide on the day.
A less obvious option
SuperCare: using your own future to help now.
Some patients find that the usual payment routes still don't quite cover a larger or more urgent treatment plan. For those patients, SuperCare is worth knowing about: it's a service that helps eligible people access part of their own superannuation early — on compassionate or eligible medical grounds — specifically to help fund dental treatment.
It isn't a loan and it isn't something Magical Smiles approves or administers. SuperCare and your own super fund assess your application against the rules set by the Australian Taxation Office, and every application is considered individually.
SuperCare is only available to patients who meet the eligibility criteria set by their own superannuation fund and the ATO — it is not suitable or available for everyone, and approval sits entirely with SuperCare and your fund, not with Magical Smiles. This is general information only, not financial or taxation advice; please speak with SuperCare directly, or your financial adviser, about your own circumstances before relying on it.
Curious what a plan could look like, week to week?
Rather than guessing, our budget calculator gives you a rough, private, no-obligation estimate — open it from the links just below.
Add the treatments you're considering, adjust the plan length, and you'll get a rough weekly or fortnightly figure based on an even-spread Humm-style calculation. It won't ask for any personal details, and it isn't a quote, credit offer or approval of any kind — just a feel for the numbers before your first conversation with us.
Not sure where to start? Open the repayment estimator →
Estimate only — not a quote or credit approval. Your actual cost and any finance terms are confirmed directly with us or the relevant provider.
Already thinking about a specific treatment? See how the numbers might work →
You can reopen the calculator any time from the links above.
What the calculator uses
Indicative treatment costs already published on our site, plus Humm/NDP's own plan fees for the term you choose, spread evenly across a fortnightly plan. It doesn't account for individual clinical needs, fund rebates, or the provider's approval criteria.
The result updates instantly as you adjust it — nothing is saved, sent, or shared.
What people usually ask about paying.
Still working out what fits?
A quick call is often faster than reading through every option — we're happy to talk through what makes sense for your treatment and your budget.
Call (03) 8358 2565 Request an appointment onlineCaroline Springs Clinic
Information on this page is general in nature and does not replace individual financial, taxation or clinical advice.
Everything we accept, at a glance.
Major health funds
Let's find a way that works for you.
No need to decide anything today. Call and ask, or open the budget calculator for a rough feel of the numbers first — either way, we'll help you land on the option that makes the most sense.