Short term health insurance extras cover to save money on wisdom teeth removal?

[Deactivated] on 28/06/2018 - 22:15

Hey yall.

So long story short I'm not interested in private health insurance ever, really. Happy to pay the levy, would rather lose a bit of money than pay some shit company $$$ for shit service.

That's beside the point though, I am wondering if anyone has tried something along the lines of getting a good private health extras cover and having an 'elective' surgery, and coming out on top? I have to have my wisdom teeth out in the near future, but obviously it's not urgent, and I'd really rather not fork out thousands of dollars if I can avoid it. Penny for your thoughts?

Cheers

Health & Beauty

Comments

  • follow on 28/06/2018 - 22:30

    you can come out on top with extras easily.
    wisdom teeth removal falls under extras in most situations.
    buy glasses, orthotics, massages, chiro sessions etc

  • MarsTitan on 28/06/2018 - 23:27

    Check recent promotion by cashback of 6%, with 6 weeks off and 2&6 months waiting periods waived for Bupa. Go for plans with with extras.

  • bobbified on 28/06/2018 - 23:36

    It's rarely worth it if you buy the cover with the intention of using it for one thing only. The required waiting period is likely to cancel out any benefit

    And if you buy the cover and try to maximise your value by using services you didn't really need in the first place, then are you really coming out on top? Remember, it's not just the insurance premium - there's also the gap payment for every service.

  • cauilfield on 28/06/2018 - 23:43

    Please keep in mind that waiting periods up to 12 months usually apply for newly signed up members.

  • onevstheworld on 28/06/2018 - 23:46

    Watch out for waiting periods and annual limits.

    Also, extras will only cover your dentist's fee… that's fine if you are happy to be wide awake in the chair with a needle and drill in your mouth. If not, and you opt for it to be done under anaesthetic, your doctor's and hospital fees are not covered (those are under hospital cover).

    • jimbobaus on 29/06/2018 - 00:56

      Sadly you don’t get to choose anymore.
      The dentist has to justify hospital admission for wisdom teeth removal now and the only justification it seems is nerve damage etc.

      • follow on 29/06/2018 - 02:04

        depends on the dentist i guess. had mine removed october '17 and did it in the chair

  • jimbobaus on 29/06/2018 - 00:55

    Wisdom teeth removal would be major dental so you will most likely have a 12 month wait before you can claim.

  • holdenmg on 29/06/2018 - 03:25
    +1

    If you are having it done in chair:

    Look at:
    https://www.smile.com.au/treatments/dental-dentist-wisdom-to…

  • onetwothreefour on 29/06/2018 - 06:35

    Not relevant to insurance but when I had my wisdom teeth taken out I had headaches for about 3 weeks after, so good luck :-)

  • SydneySwan on 29/06/2018 - 09:20

    Any extras cover is most unlikely to cover the cost of having the wisdom teeth out. You are likely to only get between 35 - 50% of the cost back.

    • [Deactivated] on 29/06/2018 - 14:54

      Yeah nah I thought so, but I thought there might be a break even point but if there's a 12 month waiting period that might be blown out of the water.

  • Love a bargain on 29/06/2018 - 12:46

    12 months waiting period (both as it's likely to be considered a major dental procedure but also for the fact that it's pre-existing)

  • [Deactivated] on 05/07/2018 - 09:39

    You will have a 12 month waiting period and you probably wont get as much back as you expect.

    Find out the item numbers for your treatment and how much you will get back.

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