As the end of the year approaches, many people start thinking about holidays, work deadlines, and last-minute plans. One thing that often gets overlooked is private health insurance — particularly dental benefits that expire on December 31st. Most health funds in Australia operate on a “use it or lose it” system, meaning any unused dental entitlements don’t roll over into the new year.
At Dentistry on George, we regularly see patients who are surprised to learn how much value they miss out on simply because they weren’t aware of how their cover works. So, as your trusted Brisbane CBD dentist, here’s an easy, practical guide to help you understand your dental benefits and make the most of what you’re already paying for.
How dental benefits typically work
Every health fund is different, but most follow a similar structure:
1. A yearly limit for general dental
This usually includes:
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Check-ups
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Scale and clean
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X-rays
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Fluoride treatments
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Simple fillings
These limits generally refresh on January 1st ( a few health funds go by financial year not calendar year) — but unused amounts disappear.
2. Separate limits for major dental
Depending on your cover, this may include:
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Crowns
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Bridges
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Root canal treatment
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Dentures
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Some funds also include a portion of dental implants
Understanding these limits allows you to plan treatment properly, especially if you’re completing care over multiple visits.
3. Waiting periods and annual resets
If you’ve upgraded your policy recently (for example, to increase your major dental cover), waiting periods may apply. Once the new year begins, your limits reset — but so do your waiting periods for anything newly added.
Why it’s worth knowing your health fund details
Most people pay their premiums without fully understanding what they’re entitled to. A quick check of your health fund app or a phone call can be surprisingly eye-opening. You may discover you still have rebates available for a dental check-up, preventive care, or recommended follow-up treatment.
Regular preventive care is the most effective way to avoid larger issues later. Check-ups, early detection, and routine cleans can reduce the need for complex care like dental crowns, root canal therapy, or extractions. As a Brisbane dentist focused on long-term oral health, we’ve seen first-hand how staying on top of maintenance keeps treatments simpler, more comfortable, and more affordable.
Why December is a smart time for a dental visit
December doesn’t have to be frantic — there are calm, practical reasons why it’s worth booking a dental visit before the year ends:
1. Prevent starting the new year with a tooth problem
You don’t want January holidays or back-to-work season disrupted by a preventable dental issue.
2. Make the most of benefits you’ve already paid for
Even a simple clean or check-up ensures you’re not leaving rebates unused.
3. Plan bigger treatments across two calendar years
If you need crowns, veneers, or wish to begin implant treatment, starting now can allow you to split stages across two years — which can maximise health fund claims (depending on your policy).
4. Ideal time for whitening before holiday photos
Many patients book teeth whitening in December to feel their best for end-of-year events.
We’re here to help you understand your options
We know health funds can be confusing. Our team can provide item numbers and treatment plans so you can speak to your fund and understand your exact entitlements. Whether you’re due for a clean, need follow-up treatment, or simply want clarity, we’re here to support you.
If you’re due for a dental check-up in Brisbane CBD, now is a great time to book before your benefits refresh.
Call us or book online to schedule your appointment at Dentistry on George.
