Is Smile.com.au Dental-Only Insurance Legitimately More Beneficial and Cost Efficient?
Stumbled upon it whilst looking for a cost effective avenue to fund for a dental crowning procedure…
Is Smile.com.au Dental-Only Insurance Legitimately More Beneficial and Cost Efficient?
jabbawocky on 16/11/2023 - 00:36
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Hi,
Smile.com.au isn't Dental-only "Insurance" in the traditional sense of "Insurance".
Insurance requires a Premium while Smile.com.au charges a subscription.
Similarly Insurance may exclude existing conditions (as observed above).
Smile.com.au is different in that there are no waiting periods or pre-existing condition exclusions.
For these reasons, Smile.com.au may be better regarded as a Dental Discount Scheme where "participating" Smile.com.au dentists see Smile Patients (or Members) for an agreed Item cost that is supposedly lower than other non-Smile Dentists.
Some schemes work in addition to Insurance Extras cover, although Insurance Extras cover isn't mandatory.
Another scheme worth looking at is:
https://www.dentacare.com.auMake certain whether your existing Dentist (or whoever you choose) is a Participant of the either Scheme you may choose and that your costing reflects the savings you are paying a subscription for.
Cheers, will suss out dentacare too
I'm a smile 'subscriber', and I've had nothing but good experiences being one.
You have to remember it's not insurance and not all dentists give the Smile discount.
I added up the cost of insurance plus the out of pocket cost of one thing I needed done and Smile was much cheaper.Thanks for sharing your experience!
Gym for your teeth.
Stumbled upon it whilst looking for a cost effective avenue to fund for a dental crowning procedure…
Yeah nah. If you need the crown now that's a pre existing condition by any measure
Insurance may not cover existing conditions without a long waiting period.