At Distinctive Dental Care in Bundaberg, we encourage our patients to obtain private health insurance if this be a viable option for them. While some patients want complete health cover from a professional, others may opt to allocate and save money for preventative dental care every six months or when the situation arises. Ultimately the decision is yours. However there are a few things you need to know before deciding on health insurance.
What you need to know about health insurance, providers and health fund rebates
It is important to receive the highest service when it comes to your oral and overall health. Similarly, it is just as important to ensure you receive proper health insurance with the appropriate coverage and benefits. Some health funds have introduced contracted provider schemes whereby a dentist may sign a contract with the health fund and agree to charge patients a pre-determined fee for any treatment carried out. Dentists agree to this with the hope to receive more patients as they receive marketing from the health fund under the title of “Health Fund Contracted Provider”.
The draw card for contractual arrangements is the fact that the health fund claims to reduce your out-of-pocket expenses, and while they may reduce your gap, you are in effect compromising the quality of service you receive in addition to receiving fewer claimable services in the same calendar year compared to an unaffiliated provider.
Patient needs, dental concerns and quality care are at the forefront of our philosophy
At Distinctive Dental Care in Bundaberg, we will never compromise our integrity or independence in making decisions regarding the quality of your dental care. In contrast to contractual arrangements, our philosophy of business stems out of the concern for the long term well-being and freedom of choice for our patients. For these reasons, we remain unaffiliated with any provider; with an unwaivered belief that the contracted provider schemes are not in the best interest of our patients.
However, don’t just take our word for it. Our belief is in-line with that of the Australian Dental Association, who state:
“Health Funds set their rebates at a level that suits their commercial needs. Those rebates are not related to any recognised fee scale”.
It’s important to remember that these health funds are owned by private enterprises and as such, aim to increase their revenue unlike a publicly owned and government funded organisations such as Medicare. The ideal insurance customer is one who pays their premiums regularly and claims as little as possible. Same goes for dental insurance: the insurance company will run at a loss if it routinely pays out more than it receives. To control cost blow-outs, health funds actively approach health care providers, such as dentists, on a contractual basis to maintain the profitable side of health insurance, known as ancillary cover.
Dentists who are dictated by health funds often reduce their quality of service, offer less services and cannot adequately meet the patient concerns and dental needs. Ultimately, patient dissatisfaction ensues.
The ultimate decision is yours…
It is not the choice of your health fund to determine who you should see when it comes to your dental concerns. What’s more, it is not a decision of your health fund to determine what treatment you can and cannot have, after all; each person is unique, and so too are their dental needs and concerns. Therefore the ultimate decision is yours. Just remember to be vigilant when searching – it is important to avoid compromising your quality of care under arrangements where fees are predetermined.
What we can assure you here at Distinctive Dental Care in Bundaberg is that our priority and commitment is to you. We provide only the highest level of quality dental care for each and every one of our patients and therefore, act accordingly. This means offering flexible payment options to ensure you receive the dental treatment you need and deserve, providing quality care using advanced technologies and executed with extreme precision, and adhering to strict infection control protocols to ensure delivery of the highest standard in patient safety.