Health Funds – HBF, Medibank, HCF, NIB

Health Funds – HBF, Medibank, HCF, NIB

Loans for Dental Implants or Not?

Loans for Dental Implants or Not: There are 2 schools of thought here – We are on the NO loans side, we prefer our patients take the less stressful approach of placing 1 Implant per year and work according to their budget – there are many clinical aspects – you may need bone grafts to accommodate a certain amount of Dental Implants.

We do not want our patients facing large tedious loans post there surgery. Rather we formulate an achievable plan that both parties can commit to and outcome will result in a peaceful treatment plan and Yes it will take a few years but there will not be the sleepless nights. Should you decide to go with a loan than various loan companies do finance with Dentists in mind Maccredit loan , Penny Pinchers etc

All Perth based. When companies mention Loan Companies alongside their Adverts then be warned the costs are built in – If you are going to require a loan for urgent work FIRST find the best deal – then find the loan that will charge the lowest rates in Perth.

As a Dental Implant practice we lock pricing into the Financial affordable and have a Implant Price negotiator that helps the patient with all pricing aspects. At times we might roll the treatment out over 6 months to a year but it gives the patient time to save. Do not be bullied into completing Dental Implant treatments and if uncertain get 2nd and 3rd opinions.

Never jump into online Firesales on Dental Implant Offers or the pushy Sales/ Receptionist wanting an immediate answer. Caution here for Dental Implants is big business in Perth and Google, Firefox and Bing have Dentists hustling over their Rankings. 2018 brings with it an INFORMED consumer – a digital Perennial that seeks truth before tales.

Long gone is that consumer left alone to struggle information – these days – every price – treatment – scenario is not only online but has YouTube – months and months of online digital content to gather and upskill on.

The Uber effect on Dentistry 2018 The UBER effect in Dentistry for Dental Implants provides all the information they seek and will spend 3-4 hours after work upskilling themselves – the encyclopedia days are long gone – that lone voice with its single opinion is dead and buried.

What will my Health Care Fund contribute toward my dental Implant in Perth?

Health Care Fund Contribution towards Dental Implant

Step by step payments and costs that Your Health care fund will Contribute toward your Dental Implant

First Step: Call your Healthcare fund and find out “How much they cover for Major Dental?” A dental Implant falls under this category.

Step Two: Many of the Dental Codes WILL be covered under GENERAL DENTAL. For example, – the tooth extraction you may require, the dental code for the consult. The Xrays example a Dental Code 037 for an OPG is covered under general dental. Dental Implant code 684 is $1580 with Dr Jose’ Nunes

Step Three: Your Dentist carrying out the procedure will welcome you to bring in your Health Care card and do a quote on the HICAPS machine, which will give you an EXACT The idea of how much you will be out of pocket.

Step Four: If the Dental Implants Clinic does not offer you this service then demand it. Any good Dental Implants surgeon and their team will be more than happy to take the time. Many Dentists may ask you to call your Healthcare fund yourself but this is time-consuming and not a consumer-based dental implant practice.

Step Five: Ask for the Fine print? And answers to these following questions in writing.

  • If I will require extra bone augmentation on the day of surgery, what will I be the charge?
  • If I require membrane on the day of surgery, what will I be charged?
  • Are there any hidden dental codes that could arise on the day of surgery?

These questions will give you insight into what Codes are that could add to your costs.

Step Six: Find a Dental Implants surgeon that includes all extra findings. Should they need additional bone augmentation or membrane, then the onus is on them to cover the costs, not the patient. You would have had a very expensive Xray called a CONE BEAM, and this gives the surgeon 360-degree views of your bone, sinus, teeth, and nerves. They will carefully plan your Implant accordingly and quote you on findings.

Step Seven: Lock in a price that Is all-inclusive, In medicine today there is little space for a value price, we do not have the luxury of open checkbooks or Neverending resources to throw at treatment. Let’s say your Healthcare fund contributes $2000 towards Major Dental.

For a single Dental Implant inclusive of the crown you will look at $3750 – take away the $2000, then you will be $1750 out of pocket. Still, due to General dental services that are also carried out, this is usually brought down to $890.00 out of pocket for your Dental Implant BUT….. If you carry out this service for over two years, then you will not be out of pocket at all. Hence as a Dental Implant Clinic, we often see a rush of treatment in December as patients take advantage of their health care fund allowance, and then they restore the Implant 3 months later in the new calendar year – this leaves them with no Funds whatsoever to contribute for their dental Implant treatments in PERTH WA.

TERMS TO UNDERSTAND:

Immediate Replacement: Tooth removed and immediately replaced with an Implant titanium screw.

Immediate Loading: Same day Implant screw is placed, a few hours later, a temporary healthcare crown placed.

First thing! Call your Healthcare Fund in for example, HCF, Bupa, HBF, Medibank etc. and enquire about your Yearly Major Dental Limit.

Points to Remember a Dental Implant can unfold over a year or 2, even more, Many patients choose the placement of the Dental Implant titanium screw in the first year and restore as their financial position allows, always check and recheck what the hidden costs are and what you would be liable? An informed patient makes informed decisions.

HCF Dentist Dental Implant Perth $240 Gap Payment

As an HCF Health care Member – What are your Dollars you will spend out of pocket? as an HCF preferred provider Searching for HCF Dentist Dental Implant Placements Perth Dr Jose’ Nunes for patients seeking.

The very first point with HCF is to call them directly and ensure you do have cover for Implants as many clients find that they have no protection at all under HCF for implant treatment.

HCF Dentist Dental Implant placed (based on $2000 Major Dental Cover) for Health Insurance cover on dentistry.

Remember the Dental Implant and Dental crown do not fall under the same category and fall under different ADA Codes.

  • Code 684 Place a Dental Implant ( 2 Stage process)- HCF Contribute $1100 – $252- $352 OUT OF POCKET
  •  Code 661 Osstell ISQ techno reading Bone Integration levels $300. HCF Contribute $200- $100 Out of pocket with HBF Private Dental Implants cover / Major Dental
  • Code 691 Precision Impressions and Abutment $599 – HCF Contribute $430 – $170-190 OUT OF POCKET

Depending on the Cover you HCF offers you may have to wait till the next Financial Year for the NEXT stage although the MOST cover.

– Code 672 Porcelain Dental Implant Crown$999 – HCF Contribute $570-770 – $230 – $470  OUT OF POCKET.

TOTAL OUT OF POCKET for a Dental Implant is $1040 HCF Dentist with our rates (Possible treatment over 2 Financial years) Pricing Trends for Dental Implants In Perth 2018.

What will you need to obtain a quote from HCF Health Fund Cover?

  • Provider Number of Dentist who will be placing the Dental Implant (This is specific to the Address as well as Practitioner).
  • The Exact Dental Codes the HCF Dentist will use during the Dental Implant procedure. Code 684 or Code 688 Ask the clinic if there are any hidden expenses you could occur during this procedure as NO ONE wants Hidden costs) Major Dental cover and health insurance for tooth implant HCF preferred provider.
  • Provide HCF Fund with dates from HCF Dentist Dental Implant and EXACT dates you plan on the Dental Implant procedures; this will ensure you have a correct Out of pocket quote you might have to contact the HCF dentist Dental Implants Clinic and lock down a Time and Date schedule.
  • HCF Contact Number for the Upfront Financial Contributions and rebate, HCF will make towards your Dental Implant treatment. The Most Affordable Dental Implant in Perth with the Best specialist.

For patients considering to define dental implant treatment the implant information, we supply to HCF.

In regards to the life of dental implants or dentures implants options on kinds of dental implants, we could offer an HCF patient. For small dental implants in a narrow buccal plate, we provide piccolo implants affordable dental implants treatment. When to get dental implants is a confusing time as well as concerns for the warranty on complex cases.

That require multiple bone grafts, and we explain how to rebuild bone loss in teeth for best tooth implants on the market.

What are dental implants used for is the first consideration for latest dental implant techniques when quoting a patient for HCF dental implants with major cover.

Medibank Private Dentist | Dental Implants Perth WA

As a Medibank Private  Health Fund care Member – What is your out of pocket costs with Dental Implant Placements Perth Dr Jose’ Nunes?

Dr Jose Nunes - Medibank

Qualifications of Dr Jose Nunes, Placing Implants for 20 years : Over 14000 Dental Implants placed

Medibank Private Dentist Dental Implants placed ( $2000 Major Dental Cover)

  • 1st Stage Dental Code 684 Place a Dental Implant  ( 2 Stage process)- Medibank Private Contribute $1580 – $552 OUT OF POCKET
  • 2nd Stage Code 661 Osstell ISQ techno reading Bone Integration levels $399.
  •  Medibank  Private Contribute $200- $100 Out of pocket with Medibank Private Dentist Dental Implants cover / Major Dental
  • 3rd Stage Code 691 Precision Impressions and Abutment $599 – Medibank Private Contribute $430 – $170-190 OUT OF POCKET might be subject to 2 Years Financial Cover Medibank  Private preferred provider
  • 4th stage Final Code 672 Porcelain Dental Implant Crown$1199 – Medibank Private Contribute $570-770 – $230 – $470  OUT OF POCKET

TOTAL OUT OF POCKET for a Dental Implant is $1040 Medibank Private Dentist with our rates ( Possible  treatment over 2 Financial years) Pricing Trends for Dental Implants In Perth 2020

Medibank Private dentist for Dental Implants  Link to Google Maps

What will you need to obtain a quote from Medibank Private Cover?

  • Provider Number of Dentist who will be placing the Dental Implant.  This is specific to the Address as well as Practitioner
  • The Exact Dental Codes the Medibank Dentist will use during the Dental Implant procedure.
  • Code 684 or 688 Ask the clinic if there are any hidden expenses.  NO ONE wants Hidden expenses
  • Provide Medibank Private with the EXACT dates you plan on the Dental Implant procedures. Ensure you have a correct Out of pocket quote.
  • One of the Highest contributors Medibank private dentist Dental Implants. Clinic will lock down a Time and Date schedule for your info.
  •  More rebate for dental implants  by Medibank Private Contact Number for the Up front Financial Contributions and rebate. Medibank preferred provider

HBF Preferred Provider Dentist Dental Implants Perth Provider

As an HBF Member –  what is your cost for an Implant?

HBF dentist Perth Dental Imp

with Dental Implant Placements Perth Dr Jose’ Nunes for patients seeking members plus

Cost of Single Dental Implant for HBF members : Non-complex ( implant-abutment-crown) $3404, Complex  : ( implant -bone-abutment-crown) $3750. Emergency dental Implant + temporary Crown : Within 24 hours $2740.

HBF  Dentist Dental Implant placed ( based on $1800 Major Dental Cover)

Remember the Dental Implant and Dental crown as of 2019  fall under the same category brentwood, bicton, bibra lake, ardross, booragoon, mount pleasant,applecross

  • Code 684 Place a Dental Implant – HBF Contribute $1100 – $270 OUT OF POCKET
  •  Code 691 Osstell ISQ techno reading Bone Integration levels $300.  HBF Contribute $200- $100 Out of pocket with HBF Private Dental Implants cover / Major Dental
  • Code 661 Precision Impressions and Abutment $599 – HBF Contribute $430 – $170-190 OUT OF POCKET for HBF preferred provider

Depending on the Cover you HBF offers you may have to wait till the next Financial Year for the NEXT stage although MOST cover

– Code 672 Porcelain Dental Implant Crown$999 – HBF Contribute $570-770 – $230 – $280  OUT OF POCKET for HBF preferred provider

TOTAL OUT OF POCKET for a Dental Implant is $1040 HBF Dentist with our rates (Possible  treatment over 2 Financial years) Pricing Trends for Dental Implants In Perth 2019  for HBF preferred provider

What will you need to obtain a quote from HBF Cover?

  • Provider Number of  your Dentist who will be placing the Dental Implant ( This is specific to the Address as well as Practitioner)
  • Exact Dental Codes  from your HBF Dentist will use during the Dental Implant procedure.  Code 684 or Code 688 Ask the clinic if there are any hidden expenses you could occur during this procedure as NO ONE wants Hidden expenses)
  • Provide HBF Fund with dates from HBF preferred provider Dentist Dental Implant  and EXACT dates you plan on the Dental Implant procedures, this will ensure you have a correct Out of pocket quote you might have to contact the HBF dentist Dental Implants Clinic and lock down a Time and Date schedule
  • HBF Contact Number for the Up front Financial Contributions and rebate , HBF will make towards your dental Implant treatment
  • For HBF dental providers near me with major dental cover and no waiting period for your dental Implants , there is no out of pocket expense for dental implants as we charge $1200 for Code 684 HBF Health fund dental implant cover in Perth WA

Within 2 minutes of our practice Willeton, Brentwood, Applecross, Ardross, Mount Pleasant, Como, Salter POint, Bicton, Booragoon, Myaree.

HBF Member Plus Cost for Dental Implants

AS of the 1st January 2019 all Members Plus Dentists will completely change and all Dental Practices will need re apply for the NEW 2019 HBF Members Plus Rules.

 

Cost of a Dental Implant is dependent on 4 Factors

  1. First stage placement of the Code 684 First stage.
  2. Second Stage – Osstell ISQ readings of Bone Integration.
  3. Third Stage of a Dental Implant Treatment – High precision Impressions and Abutment.
  4. 4th Stage – Placement of the Premium Porcelain Crown with Gold screw.
HBF fund Single Implant Procedure HBF Health FUND Patients Dental Implant Placements PerthCostNotes
Single Implant – 0.5g Biomaterial Graft for HBF – all 4 stages
– 1g Bone Graft with single Implant treatment
– 2g Graft with single Implant treatment
Initial consultation with Dr Nunes for HBF members
$3999


$3950

$4150

$49
Start to finish – HBF Implant through to Porcelain Crown (no bone graft required
– (Implant through to crown) with 0.5 gram bone graft included
– (HBF Tooth Implant through to crown) with 2 grams bone graft included Treatment options and costs
Pre-surgical diagnostics for dental implant for HBF Code 026 $137 Code 089 $178$320Teeth Implant 3D cone beam
Surgical Tooth Extraction Code 322 code 323 code322 is capped at for HBF members for Implant Treatment$149 per ToothFor Surgical Extraction during Dental Implant treatment of HBF member
Implant Placement : Code 684$1,580 per implantNon complex Single Tooth Implant placement -No restoration
Stage 2 – Bone Integration readings : Code 691

Stage 3 – Abutment + High Precision Impressions : Code 661

Permanent porcelain crown with Gold screw : Code 672
$399


$599



$1399 per tooth replaced
The permanent dental crown restoration can normally be attached after 12 – 16 weeks
of healing post-implant placement
Affordable Dental Implants Same Day Dental Implant and Temporary Crown (smile line)$2740For HBF members Same Day Implant is $430 Out of Pocket for the $2440 Treatment
All-on-4 Procedure for HBF Fund patientsCostNotes
Initial HBF Member Dental Implant consultation for dental implant cost comparison$34Implant Treatment options quote and Consult All on 4 NO Gap for Consult with HBF
Pre-surgical diagnostics for All on 4 Code 026 $137 Code 089 $178$320Dental Implant for 3D Cone Beam All on 4
Surgical Tooth Extraction is capped at for HBF members$149 per tooth 
All on 4 for HBF members
All on 6 for HBF members
$17500
$18500
All-on-4 or All-on-6 with Permanent Teeth Implants alongside Permanent Fixed Appliance
TAKE NOTE: Yearly Maintenance of All-on-4 is required (upfront quotes essential)
Removable Implant Supported Denture (Anti-aging design)$2600 per archExtreme attention placed on Facial and Advanced Impression protocols (does not include the HBF Dental Implants)
Removable Acrylic – porcelain or zirconia permanent restoration with Implant Surgery – 4 Implants$12950 per archA stronger restoration and carries a 7 year warranty on breakages for All on 4 – WARRANTY for HBF
Same Day Dental Implant also called Same Day Tooth – Smile Line Only Co-axis Angled Dental Implant for Superior Emergence Profile$2740 Cost Out of Pocket $430Placement of Implant and Temporary Crown within 10 hours (Non complex) for HBF Perth WA Same day dental Implant Treatment with HBF gap saver of out of pocket
Post op Check at Day 2, Day 10,6 Months and 12 MonthsNo chargefor HBF health fund members

Australian Health Funds: Comparative Chart

The chart below demonstrates current rebates for Health Care providers in Australia HBF, Medibank, NIB, HIF, AHM, and HCF based on 2020 rates

Australian Health Funds contribute on average more than 60% of the Implant placement cost of $1580 with Major Dental Cover in 2020 Health fund financial year.

Australian HEALTH FUND chart as of April 2020
*rates change without notice
Rebates on Implant Codes
HBF rebates chart on implants
with Major Dental for Code 684 $1580
Low Cover: Gap is $981

Medium Cover: Gap is $749

High Cover: Gap is $30
Medibank chart for rebates on implants for April 2020
with Major Dental Code 684 $1580
Low Cover (Basic): Gap is $875

Medium Cover: Gap is $775

High Cover: Gap is $80
HCF Price chart on implant rebates April 2020

with Major Dental $1600

Low Cover (Basic): Gap is $894

Medium Cover: Gap is $712

High Cover: Gap $341
NIB chart for implant rebates West Australia April 2020

with Major Dental Code 684 $1280

Low Cover: Gap is $589

Medium Cover: Gap is $367

High Cover: Gap $88