It seems some big health insurers only have short waiting periods before you can claim on routine dental.
Routine dental can be quite expensive, even if just doing the checkup.
Is there any reason why people don't just take out the basic insurance cover 2 months (if that was the waiting period) prior to a checkup, then cancelling until the next checkup?
https://ahm.com.au/health-insurance/extras-cover/black-50-sa…
= $25ish
The no-gap dental promotion = 100% rebate too.
I've been for my checkup, saved myself a substantial amount and am now considering why I should keep it between checkups.
Why try find out your self and report to us?
I use extras covers not just for dental, few other plus benefit of ambulance cover as well.
In case there is some good reason not to and someone can shed light on the situation before I make a decision I later regret ;)
I'd be surprised if no-one else has considered this.
I suppose I am most worried that health insurers keep a black list for people who use this sort of tactic so they know who to deny cover.
in theory, you are correct.
and yes i suspect after you do this repeated times they will refuse your membership for bad faith use.
"I suppose I am most worried that health insurers keep a black list for people who use this sort of tactic so they know who to deny cover."
It's a Ponzi scheme and us minions are at the bottom of the pyramid. If you can't out spend them out think them.
Would it not be the case that you would join a health fund, for a 12 month period, but use their pay-by-the-month premium payment offer?
In that case, you would still be liable for the full 12 month membership payment.
no its pro-rata''d.
Yeah, there's an ABC podcast where a woman said she did exactly that. It's a hassle to switch though - that's the only reason health funds aren't flooded with people doing it.
Depends how expensive your dental check-up is.
It is unlikely that you'll be covered for the complete cost of your check up — so it'll be down to finding a policy which assist you in claiming an amount greater than your 2 months of contributions.
My health fund recommended about 4 dentists in my area who would "fully cover" my treatment. But seeing as I'd be a new patient, all four of them wanted to do a "pre-appointment", which required me to attend their offices, get x-rays and undergo a basic check up prior to any further work. Surprise-surprise, the xrays wouldn't have been covered, so I reverted to my normal dentist, with whom I was able to claim about $180 off my $220 bill.
If your coverage amount with your regular dentist is $200 for general dental, can you find a policy which requires a 2 month waiting period where your monthly contributions would be less than $100?