I wonder if it's possible to keep your extra cover only for the waiting period if you only go to the dentist for your annual check-up.
So:
1. Join extras cover
2. Stay till the waiting period
3. Get your Dental check-up
4. Leave cover
5. Repeat annually
Or would you be blacklisted if you did it too many times.
For example with HIF Extras Saver Options
Cost: $19.15 per month (QLD w/ Full Gov Rebate)
Waiting Period: 2 months
Dental Checkup :
| Service | Price | Benefit | Final Price |
|---|---|---|---|
| 012 Examination | $49 | $52.75 | $0 |
| 114 Remove Calculus | $98 | $107.15 | $0 |
| 121 Topical Agent | $31.50 | $31.60 | $0 |
(Prices may vary depending on dentist and service required etc. 022 Bitewing X-Ray)
Total Cost Annually: $38.30
Price without Cover: $178.50
Price with Cover for 12 months: $229.80
Better still, sign up when they are waiving the 2 & 6 month wait periods and give you 1 month free (which they do pretty much every year around EOFY)
Have you been successfully in doing this annually?
I've changed a few times with no issues. As long as you sign up for a new provider each time I can't see why there'd be an issue
No wonder my health cover premium goes up every year.
Is the rebate even worth it if all you going to get is an annual checkup?