Payment Options
Flexible payment solutions to make quality dental care accessible
At Noble Dental, we believe that financial considerations should never be a barrier to receiving the dental care you need. We offer a variety of payment options to ensure that quality dental treatment is accessible to all our patients.
Our Payment Solutions
We understand that every patient has unique financial circumstances. That's why we've developed a range of payment options to accommodate your needs.
Direct Payment
We accept cash, EFTPOS, and all major credit cards for immediate payment at the time of treatment.
Health Fund Coverage
We accept all major health funds and offer HICAPS for on-the-spot claiming to reduce your out-of-pocket expenses.
Child Dental Benefits Schedule
Eligible children can access up to $1,052 in dental services over two calendar years through the CDBS.
Superannuation Early Release
Access your superannuation early for essential dental treatment in specific circumstances.
Payment Plans
Flexible payment plans are available for more extensive treatments, allowing you to spread the cost over time.
Treatment Estimates
We provide detailed cost estimates before beginning treatment so you can plan your finances accordingly.
Health Fund Coverage
We accept all major health funds and are proud to offer HICAPS facilities for on-the-spot claiming. This means you only need to pay the gap between your health fund rebate and our fee at the time of your appointment.
The amount covered by your health fund depends on your level of cover and the specific treatment provided. We recommend contacting your health fund directly to understand your entitlements before your appointment.
Accepted Health Funds Include:
Child Dental Benefits Schedule (CDBS)
The Child Dental Benefits Schedule (CDBS) is a government program that provides eligible children with access to up to $1,052 in dental benefits over two consecutive calendar years.
This program covers a range of dental services including examinations, x-rays, cleaning, fissure sealing, fillings, root canals, and extractions. Cosmetic dental procedures and orthodontic treatment are not covered under this scheme.
Eligibility Requirements:
- Child must be aged between 2 and 17 years
- Child must be eligible for Medicare and receive a relevant Australian Government payment, such as Family Tax Benefit Part A
At Noble Dental, we bulk bill under the CDBS, which means there are no out-of-pocket expenses for eligible treatments up to the $1,052 limit.
Accessing Superannuation for Dental Treatment
In certain circumstances, you may be eligible to access your superannuation early to pay for essential dental treatment that is causing significant pain or discomfort.
Early release of superannuation for dental treatment is typically considered when:
- The dental condition is causing acute or chronic pain that significantly impacts your quality of life
- The treatment is deemed medically necessary and cannot be reasonably delayed
- You do not have the financial capacity to pay for the treatment through other means
Our team can provide the necessary documentation and treatment plans required for your application, but the decision to release funds ultimately rests with your superannuation fund and the Australian Taxation Office.
Flexible Payment Plans
We understand that more extensive dental treatments can represent a significant investment. That's why we offer flexible payment plans to help you manage the cost of your dental care.
Our payment plans allow you to:
- Spread the cost of treatment over several months
- Receive the treatment you need without financial strain
- Choose payment frequencies that align with your income schedule
Payment plans are available for treatments exceeding $500 and are subject to approval. Our team will work with you to create a payment schedule that suits your budget and circumstances.
Transparent Treatment Estimates
We believe in complete transparency when it comes to the cost of your dental care. Before beginning any treatment, we will provide you with a detailed estimate of all associated costs.
Our Estimate Process:
Comprehensive Examination
Our dentist will thoroughly assess your oral health and discuss treatment options with you.
Detailed Treatment Plan
We'll create a personalized treatment plan that addresses your specific dental needs.
Cost Estimate
You'll receive a written estimate outlining all costs associated with your treatment.
Health Fund Assessment
We'll help you understand what portion of the treatment may be covered by your health fund.
Payment Option Discussion
Our team will discuss the various payment options available to you based on your treatment plan.
Frequently Asked Questions
Find answers to common questions about our payment options and financial policies.
Do you offer payment plans for all treatments?
We offer payment plans for treatments exceeding $500. The terms of the payment plan will depend on the total cost of treatment and will be discussed with you before treatment begins.
How do I know if my child is eligible for the CDBS?
Eligibility for the Child Dental Benefits Schedule is determined by the Australian Government. Generally, children aged 2-17 years who receive Family Tax Benefit Part A or other relevant government benefits are eligible. You can check your child's eligibility through your Medicare online account or by contacting Medicare directly.
What health funds do you accept?
We accept all major health funds and offer HICAPS for on-the-spot claiming. This means you only need to pay the gap between your health fund rebate and our fee at the time of your appointment.
How does the superannuation early release process work?
Accessing superannuation early for dental treatment requires approval from your superannuation fund and the Australian Taxation Office. We can provide the necessary documentation regarding your treatment needs, but you will need to apply through your superannuation fund. The process typically takes 2-4 weeks for approval.
Do you require payment upfront for all treatments?
For standard appointments and minor treatments, payment is required on the day of service. For more extensive treatment plans, we may require a deposit before treatment begins, with the balance due at completion or through an arranged payment plan.
What happens if I need to cancel my appointment?
We require at least 24 hours' notice for appointment cancellations. Late cancellations or missed appointments may incur a fee. We understand that emergencies happen, so please contact us as soon as possible if you need to reschedule.
Ready to Discuss Your Payment Options?
Our friendly team is here to help you understand your financial options and find the best solution for your dental care needs.
Dental Payment Options in Warrawong
Noble Dental Clinic offers flexible payment solutions including health fund claiming, CDBS for children, superannuation early release for dental treatment, and payment plans. We make quality dental care affordable in Warrawong, Wollongong, and surrounding areas.
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