Health Funds and Dental Crown Costs: Cracking the Code

Health Funds and Dental Crown Costs: Cracking the Code By Dr. Jon ( Junyi ) Ho | October 10, 2023

Dental health is undeniably a cornerstone of overall well-being, and dental crowns have emerged as an increasingly sought-after procedure among Australians. While the appeal of dental crowns is clear, the accompanying cost often becomes a point of concern. It’s in these financial deliberations that health funds play an invaluable role, offering some relief.

This guide aims to provide clarity on dental crown costs and discuss the role of health funds in this equation. As you journey through this article, you’ll uncover the importance of dental crowns, their pricing, and how health funds can help you navigate these costs. Read on to learn more.

Summary of the Content:

  • Dental crowns serve as a protective cover for damaged teeth and enhance aesthetic appeal.

  • Dental crowns undergo a multi-step process: tooth preparation, impression taking, and crown fitting.

  • Different crown types have varied price points.

  • Crown costs are influenced by:
    • Material cost and fabrication
    • Lab fees, design intricacy, and lab reputation
    • Dentist’s experience
    • Additional treatments such as root canals or gum disease treatments (as needed)

  • Health funds in Australia assist with dental expenses.

  • For dental crowns, evaluate the health fund’s cover, affiliated clinics, and monthly premium and compare benefits.

  • Understand policy details, read the fine print, and engage with health fund representatives.

  • Maximise benefits by having regular check-ups, understanding claim limits, combining treatments, and maintaining oral health.

  • Avoid pitfalls by debunking myths, proactively checking cover, documenting procedures, and understanding waiting periods.

Understanding Dental Crowns and Their Costs

Dental crowns have become instrumental in modern dentistry. They serve a dual purpose, acting as a protective cover placed over a damaged or weakened tooth and enhancing aesthetic appeal. The dental crown procedure unfolds in stages: preparing the tooth, taking an impression, and eventually fitting the crown.

There are several types of dental crowns, each with its unique appeal and price point:

  • Porcelain:
    Priced up to $2,100, these crowns are revered for their natural appearance, making them a popular choice for front teeth.

  • Full Metal:
    These range from $1,800-$4,700, owing to their unmatched durability. They are most used for molars, which bear the brunt of chewing.

  • Porcelain-fused-to-Metal (PFM):
    Priced between $1,700-$2,500, PFM crowns combine the beauty of porcelain with the resilience of metal.


Several factors play a role in determining the cost of these crowns.

  • Material’s Inherent Cost:
    Different types of dental crowns come with varied price tags primarily because of the materials used.

    Porcelain and ceramic crowns usually cost more due to their aesthetic appeal and the technology used in their fabrication. They closely mimic the appearance of a natural tooth, making them a preferred option for many.

    Full metal crowns, on the other hand, might have a broader price range due to the variation in the metal used – from base metals to more precious ones.

  • Lab Fees and Dental Clinic Fees:
    Dental crowns usually require a custom design to fit the patient’s tooth. This customisation process involves sending an impression of the patient’s teeth to a dental lab, where the crown undergoes fabrication.The intricacy of the design, coupled with the technology employed and the reputation of the lab, can influence the dental crown cost.

  • Dentist’s Experience and Skills:
    Not all dental treatments are uniform; the practitioner’s touch can significantly impact the outcome and longevity of a dental crown. Dentists with extensive experience or those who leverage advanced technology for dental crown procedures may charge a premium for their services.

  • Additional Charges:
    Some cases might demand additional dental services. For instance, before placing a dental crown, some patients might require a root canal treatment or treatment for gum disease. Such additional treatments can impact the overall cost, especially if the conditions are complex.

  • Material Durability and Aesthetics:
    As alluded to earlier, the choice of material isn’t just about aesthetics. It’s also about how long the crown is expected to last and its resilience to wear and tear.


For instance, while porcelain offers an impeccable match to the colour of natural teeth, full metal crowns are known for their strength, making them a good choice for restoring teeth in areas of significant stress during chewing.

Exploring Health Funds and Their Role in Dental Care

Darch Dental Centre

Talking about dental care in Australia can be challenging, especially when considering costs. Health funds have emerged as essential allies in this journey, providing various ways to ease the financial burden. Let’s explore these aspects in more detail:

Origin of Health Funds

Health funds, originally established to assist with medical expenses, have evolved to cover a wide range of health services, including dental care.

The origin of health funds dates back to mutual aid societies and benevolent institutions that aimed to support members during times of illness. Over time, these funds have transformed into modern insurance systems, ensuring that dental care is more accessible to a broader population.

Understanding the role of health funds in dental care is crucial for individuals seeking both preventive and corrective treatments.

Functionality of Health Funds

Diving into the functionality of health funds, it’s evident that they operate through strategic partnerships with specific dental services. This alliance allows them to extend an array of benefits, encompassing everything from your routine dental visits to more intricate procedures like dental crowns.

Depending on the chosen plan, these health funds offer varied levels of cover so that Australians have options tailored to their needs.

Key Aspects to Consider

  • Extras Cover:
    Understanding extras policy and cover helps in assessing what kinds of dental procedures are included, from essential maintenance to major dental works.

  • Hospital Cover:
    Knowing how hospital cover impacts dental treatments can provide clarity on what surgeries or hospital stays might be included.

  • Waiting Periods and Annual Limits:
    It’s essential to comprehend waiting periods for various dental services and any annual limits that may apply.

  • Terms and Conditions:
    Thorough knowledge of terms associated with health funds, like restoration options, temporary restorations, pocket expenses, and payment methods.


Understanding this dynamic between health funds and dental services is the first step towards making informed decisions and optimising one’s oral health journey in Australia.

By selecting the right private health funds and comprehending the complexities of dental treatment, Australians can make their dental procedures more manageable and accessible.

Selecting the Right Health Fund for Dental Crowns

In the quest to maintain optimal oral health, understanding the intricacies of health funds for dental crowns becomes vital. As dental crowns gain traction in modern dental care, the concern for many Australians is the dental crown cost. Here’s a guide to making an informed choice:

  • Cover Consideration:
    Assess what types of dental crowns and dental crown procedures are included in the dental cover. Does it cater to all varieties, from ceramic to metal?

  • Affiliated Clinics:
    Investigate the network of clinics the health fund is affiliated with or their preferred providers. A wider network often implies easier accessibility and varied options.

  • Monthly Premiums:
    Health funds come with monthly premiums. Compare these across different Australian health funds to determine which offers a favourable balance of cost and coverage.

  • Waiting Periods:
    Some health funds might have waiting periods before you can claim benefits for certain dental health treatments. It’s essential to be aware of these timelines.

  • Comparing Benefits and Limitations:
    Every health fund has its strengths. Some might offer extensive private health fund coverage, while others might have a stellar oral health fee-for-service scheme. Weigh these pros and cons before making a decision.

  • Budget and Needs Alignment:
    Ultimately, the right health fund should align with your specific dental needs and financial capability. Whether you prioritise health direct services, private health cover benefits, or a particular health plan provider, check that it fits within your budget.

Navigating Health Fund Policies for Dental Crowns

The intricacies of health fund policies can seem daunting. But with dental crowns becoming a more common treatment, understanding these nuances can ease the financial strain:

  • Understanding Policy Details:
    Always be clear about what’s covered. This includes specifics on crown procedure limitations, any exclusions, and if a pre-approval process is required for certain crown services.

  • The Fine Print:
    Details matter. Whether it’s about the cost of tooth crowns, ceramic crowns, or even the intricacies of CEREC crowns, the fine print often holds key information.

  • Engaging with Representatives:
    Don’t hesitate to ask questions. Health fund representatives can provide clarity on topics from crown placement to whether a gold crown has different terms than metal crowns.

Maximising Benefits from Health Funds for Dental Crowns

To fully utilise the benefits of health funds for dental crowns:

  • Understand Your Limits:
    Check your yearly limits to be aware of the ceiling on your claims.

  • Combine Treatments When Possible:
    Some health funds may allow you to combine treatments under certain dental items or item codes, offering better value for the money spent.

  • Maintain Oral Health:
    Proactive oral care reduces the need for extensive treatments in the future. This not only saves on potential dental crown treatment costs but also for a healthier smile.


Armed with this knowledge, navigating the world of health funds in relation to dental crowns becomes less overwhelming, allowing Australians to make informed choices for their oral health.

Avoiding Common Pitfalls with Health Funds and Dental Crowns

Embarking on the journey to get dental crowns powered by health funds can sometimes lead you into a maze of misunderstandings. To navigate this complex landscape, it’s crucial to be aware of the pitfalls:

  • Misconceptions and Myths:
    Many patients believe that every dental procedure falls within the ambit of their health funds for dental crowns. This is often not the case.

  • Proactive Checks:
    Before you lock in your dental appointment, take a moment to:
    • Verify if specific items within the item code are covered.
    • Confirm if certain procedures, like root canal therapy, are included in your plan.

  • Document Everything:
    • Keep track of all receipts related to dental benefits.
    • If getting a procedure like gum disease treatment or root canal therapy, check that you have the dental benefit estimate form handy for any potential claims.

  • Understand the Wait:
    While some might offer immediate benefits, others might have a 12-month waiting period. Familiarise yourself with these timelines so that you can schedule your treatment.

Final Thoughts

As we wrap up our deep dive into health funds and dental crowns, a few key takeaways emerge:

  • Value of Dental Crowns:
    Beyond aesthetics, dental crowns play an instrumental role in preserving oral health. Whether you opt for restoring decayed teeth or supporting a tooth after root canal treatment, the benefits are manifold.

  • The Role of Health Funds:
    Health funds have transformed dental care in Australia by:
    • Making it affordable through flexible payment plan options
    • Offering a multitude of options based on the patient’s needs

  • Be Informed and Proactive:
    • Stay updated on additional terms and extras related to your coverage.
    • Be wary of pocket costs and pre-existing condition exclusions.
    • Understand the advantages before making a decision.
    • Keep up with premium payments and utilise offers, if any.


If you’re keen to explore more or wish to understand the specifics, Darch Dental Centre can assist you. Please book a consultation appointment today by calling our dental clinic or through our website. Your oral health deserves attention, and our friendly dentists are here to guide you every step of the way.

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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