Can Your Health Fund Cover Your Dental Implant?

Can Your Health Fund Cover Your Dental Implant? By Dr. Jon ( Junyi ) Ho | January 17, 2023

Dental implants are an innovative technology that involves placing titanium posts that act as artificial tooth roots into the jaw bone. They serve as a foundation for replacement teeth, ideal for those seeking a way to fill gaps and help prevent bone loss.

However, dental implants do not come cheap. A single tooth implant can set you back thousands of dollars. But, if you need a replacement for missing teeth, dental implants may be the most suitable option.

The cost of dental implants can be prohibitive for some patients. If you’re considering teeth implants and are curious about your health funds options, you have come to the right place.

In this blog post, we’ll look at whether your health fund can be used to cover some (or all) of the costs associated with having a dental implant. We’ll answer common questions about using your private health fund for dental implants and explain how the process works.

Ready to know more? Let’s dive right in!

Summary of the Article

  • A dental implant is a restorative procedure used to replace missing teeth.
  • Dental implants are a medical expense that may or may not be covered by health funds.
  • Many health funds will only cover a portion of the total cost of dental implant treatment. This leaves the patient to foot the rest of the bill.
  • Patients can consider adding ‘extras’ to their policy to offset some of these costs. However, this usually comes at an additional cost.
  • To be eligible for health fund coverage, patients need to have detailed documentation showing the diagnosis, other treatment options considered, recommended treatment plan and overall medical necessity of the proposed implant treatment.
  • If your health fund does not cover a dental implant procedure, you can consider Afterpay, Humm, In-House Financing, Supercare or ZipPay financing options.

Can My Health Fund Cover the Cost of a Dental Implant?

A dental implant can be an expensive treatment, but health funds can help you lighten the load. Depending on your health fund provider and levels of cover, dental implants may be part of your health fund benefit.

Health fund coverage depends on several factors. These include your specific health fund provider, your level of cover, and your circumstance.

Some health funds offer coverage for dental implants as part of their extras policy cover. The extent of coverage depends on various factors, including the size of your annual premium and the type and amount of treatment required.

In some cases, health funds may not provide coverage. This is especially true if the procedure isn’t considered medically necessary. Failure to meet specific requirements means that health funds cannot cover the cost. Check with your health fund to know if you meet their criteria before meeting with your dentist.

the dentist speaks with the female patient in modern clinic.

Is a Dental Implant Considered a Medical or Dental Expense Under My Health Fund?

Deciding whether a dental implant is a medical or dental expense depends on your health fund provider.

Generally, expenses associated with dental treatments are considered medical expenses. This include:


Dental expenses commonly include basic dental care treatments, including:

  • Checkups
  • Cleaning
  • Preventative services and treatments


A more invasive procedure, like a dental implant or bridge, usually falls under the coverage of a major medical expense benefit. Here it is worth highlighting that medical insurance does not cover restorative dentistry. This requires you to arrange for separate dental insurance.

It’s important to read the fine print and ask your health fund representative before making any assumptions or decisions on coverage of implants under medical or dental policies.

Will My Health Fund Cover the Entire Cost of the Implant or Just a Portion?

Lots of health insurance funds offer dental cover. However, it’s important to remember that coverage levels can vary. Even if your fund covers implants, it will likely only offset, give rebates, or reimburse a portion of the costs. You still need to be prepared for a significant out-of-pocket expense. The prices may depend on the cover included in your particular policy.

Some dental implant-associated costs include:

  • The titanium implant itself
  • Any additional procedures required by the dentist (such as tooth extractions, gum grafts, sinus lifts, and bone grafting)
  • Dental crown
  • Abutment
  • Consultations


To get an accurate idea of what you’ll need to pay out of pocket, consult your doctor and your insurer. Knowing how much you’ll pay in advance can help prepare you financially for the treatment you need.

Can I Add Health Fund Extras Under Major Dental Care to Cover Dental Implants?

In some cases, yes. It depends on your health fund provider and the policy you have chosen. Some insurers offer additional coverage for certain procedures, such as dental implants, so it’s worth considering adding extras to your policy. However, remember that these extras usually come at an additional cost.

Also, some health funds may have exclusions or restrictions on coverage for certain dental treatments, including orthodontics, wisdom tooth removal, and dental implants. Check with your health fund to find out if they offer additional cover in these areas. You should also be aware of the maximum benefit limits. Also, ask about the 12-month waiting period associated with adding extras to your policy.

Finally, it’s worth familiarising yourself with the gap fees for each dental procedure. Gap fees are the difference between what your health fund pays and what the dentist charges for treatment. Gap payments can still be significant depending on how much cover you have, so it is important to be aware of the cost.

Will My Health Fund Cover the Cost of the Implant if It Is Being Used to Replace a Missing Tooth Due to an Accident or Injury?

When a surgical procedure is medically necessary and deemed clinically appropriate, most major health funds will provide some level of coverage. So if you lost a natural tooth due to an accident or injury, your health fund would help cover the costs associated with the dental implant procedure to replace it.

However, this usually depends on the terms and conditions of your health fund plan. Some plans have generous item numbers that offer full coverage, while others may require a customer contribution. Check with your insurer beforehand to make sure that you are covered and what kind of annual limits may apply.

Additionally, you should be aware that some health funds may require pre-approval before dental implant surgery can take place. In this case, it is important to prepare all relevant documentation in advance so your claim can be processed quickly.

What Documentation Do I Need to Provide to My Health Fund Provider to Prove That the Implant Is Medically Necessary?

You should be prepared to provide your health fund provider with the documentation needed to prove that your implant treatment is medically necessary. These include:

  • A letter from your doctor or dentist that clearly explains why a prosthesis is necessary
  • A document containing the medical history, diagnosis, and other treatment options considered
  • Recommended treatment plan
  • X-rays and imaging reports
  • Referrals from specialists or laboratories

The documentation requirements may vary depending on your condition and the treatments recommended. If in doubt, ask your health fund provider. They can tell you exactly what information they require before processing your claim.

It’s important to understand your rights regarding health fund coverage for implants. Some insurers may refuse coverage if they believe the implant is not medically necessary, so make sure you know your rights and take all the required documentation with you before making a claim.

Are There Any Alternative Options for Financing a Dental Implant if My Health Fund Does Not Cover It?

For those seeking alternative options for financing a dental implant procedure, there are several possibilities to look into. This includes Afterpay, Humm, In-House Financing, Supercare and ZipPay. Each financing option has different requirements, interest rates, and payment schedules -so it’s worth exploring which works for you.


Afterpay is a convenient payment option for patients because it offers flexible instalment plans. Enjoy the freedom of paying off your treatment in four equal instalments over two weeks.


With Humm’s buy now pay later service, customers can make any purchase, including dental implants, without worrying about upfront costs. Customers can spread out payments over a 10-week period, making those more expensive treatments more achievable for everyone.

In-House Financing

Many dentists offer convenient payment plans that allow you to spread out the cost. These plans are designed to fit any budget and provide flexible payment terms. Often these flexible payment options are offered in-house, meaning you can pay with cash, check, or credit card. Ask about the payment arrangements for each month and set up an agreement accordingly.


Accessing your superannuation funds early can be highly beneficial, providing greater financial flexibility when needed. Whether it’s covering doctor visits or dental treatments not included in your health fund provider, there are no limits on how much money can be withdrawn for these costs. They also do not come with penalties.


ZipPay is a convenient payment solution for customers who want to shop now and pay later. With ZipPay, patients can access a line of credit, allowing them to make purchases with the flexibility of choosing either weekly or monthly instalment plans. If you pay on time with ZipPay, no interest or fees will be charged. However, late payment fees may apply if you’re late to make a payment.

How Does Dental Implant Cost Compare to Other Tooth Replacement Options That May Be Covered by Health Funds?

When considering tooth replacement options, it’s important to know the associated cost. Dental implant cost is estimated to be between $4,000 and $6,0000 per implant. Meanwhile, conventional dentures usually range from \$2,500 to \$7,000, depending on the materials used and the number of teeth to be replaced. Likewise, dental bridges usually charge between $500-$2,300 per unit.

Even though dental implants are the most costly option for replacing a missing tooth, many health funds may provide limited coverage. The cost of implant surgery is much higher than dentures and bridges, but with careful planning, many patients can manage the expenses by taking advantage of private insurance and using health funds as a valuable supplement. Other tooth-replacement options, such as crowns, veneers and partial dentures, can also be covered to varying degrees. However, it’s important to speak to your dentist and consider all the pros and cons of each option before going ahead with treatment.

Final Thoughts

Health fund coverage for dental implants varies between providers, so check the details of your specific health fund. By doing your research and understanding the different policies and benefits offered by health funds, you can make sure that you get the ideal coverage for your circumstances. With careful planning, you can find a policy that takes care of your basic oral health needs and gives you access to additional treatments such as dental implants, orthodontics, cosmetic dentistry, and more.

At Darch Dental Centre, we offer comprehensive dental care services, so whether you need preventative treatments or something more extensive, our dental team can help. Whether you’re searching for a smile transformation or want to address your missing teeth, visit our dental clinic and consult a dentist. To book a dental consultation appointment with us, simply go to our website or give us a call today.

Dr. Jon ( Junyi ) Ho

Dr. Jon is a Perth-based dentist who graduated with a Bachelor of Dental Science in 2005 from the University of Western Australia. He has worked at a range of dental practices, including being a partner and principal dentist for a group of five dental surgeries in Sydney. Dr. Jon has been practising for over a decade in the northern suburbs of Perth. He provides treatment for patients in Darch, Madeley, Landsdale, Kingsway, Kingsley, Marangaroo, Alexander Heights, Wangara, Ellenbrook, and others.

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