Making quality dental care more accessible
We believe everyone deserves access to quality dental and orthodontic care without having to compromise on their oral health because of financial concerns.
We understand that dental treatment can sometimes involve unexpected expenses or significant costs. That’s why we offer a range of payment options to help you manage the cost of your care.
Whether you’re using private health insurance, accessing government dental benefits, arranging a payment plan or considering early release of superannuation, our friendly team is here to explain your options and help you make an informed decision.
Private Health Insurance and HICAPS
We are preferred providers for HBF and HCF and welcome patients with all major Australian private health insurance funds.
If you have dental extras cover, you may be able to claim benefits towards eligible treatments, depending on your level of cover and available benefits.
For your convenience, we have an on-site HICAPS terminal, allowing us to process eligible private health insurance claims electronically at the time of your appointment. This means you generally only need to pay any remaining gap.
If you’re unsure what your health fund covers, our friendly team can help you understand the claiming process and provide treatment information to assist with checking your benefits.
CDBS (Children’s Dental Benefits Schedule)
We bulk bill eligible children’s dental treatment under the Australian Government’s Child Dental Benefits Schedule (CDBS), helping families access essential dental care without out-of-pocket costs for covered services within their available benefits.
Eligible children aged 0–17 may receive up to $1,158 towards basic dental treatment over two consecutive calendar years for benefit periods beginning in 2026.
The CDBS covers a range of dental services, including:
- Dental check-ups and examinations
- X-rays and professional cleaning
- Fissure sealants
- Fillings
- Root canal treatment
- Tooth extractions
We can help you check your child’s eligibility and available benefits before treatment. The CDBS does not cover orthodontics or cosmetic dentistry.
Learn more about our bulk-billed children’s dental care under the Child Dental Benefits Schedule.
Dental and orthodontic payment plans
We understand that dental and orthodontic treatment can sometimes involve unexpected or significant expenses. Our flexible payment plans help you spread the cost of treatment over manageable instalments, making it easier to access the dental care you need.
Whether you’re considering general dentistry, cosmetic treatments or orthodontics, we offer three payment plan options to suit different budgets and circumstances: Afterpay; Zip Pay and Zip Money; and National Dental Plan (NDP), powered by Humm
Each provider offers different repayment arrangements, spending limits and eligibility requirements. Explore the options below to find out which payment plan may be suitable for you.
Afterpay Dental Payment Plans
With Afterpay, you can receive dental treatment now and spread the cost over 4 interest-free instalments across 6 weeks.
Simply use your approved Afterpay account to pay for your treatment at our reception. Your first instalment is paid at the time of purchase, with the remaining payments scheduled automatically.
Learn more about our Afterpay dental payment plans.
Zip Dental Payment Plans
We offer Zip Pay and Zip Money to help you manage the cost of both smaller dental expenses and more extensive treatments.
You can spread the cost of your dental care over manageable repayments, with available credit limits and repayment terms depending on your approved account and the payment option selected.
Learn more about our Zip Pay and Zip Money dental payment plans.
Humm (National Dental Plan)
We offer the National Dental Plan (NDP), powered by Humm, to help you manage the cost of dental and orthodontic treatment through interest-free instalments.
With payment plans available for larger treatment expenses, you can spread repayments over an extended period, subject to approval and applicable fees.
Learn more about our National Dental Plan with Humm.
Using your super for dental and orthodontic treatment
You may be able to use your superannuation to help pay for necessary dental and orthodontic treatment through the Australian Government’s Superannuation Early Release Program (ERS).
Eligibility depends on your individual circumstances and the Australian Taxation Office’s (ATO) medical and financial requirements. We work with two specialist providers, SuperCare and Access My Super, who can assist you with the application process.
Early release of superannuation on compassionate grounds may be available for eligible dental procedures, including:
- Dental implants
- Root canals
- Crowns
- Periodontal treatment
- Orthodontics
- Oral and maxillofacial surgery
SuperCare
SuperCare helps eligible patients apply for early release of their superannuation to fund medically necessary dental treatment. As a registered tax agent, SuperCare assists with preparing applications and gathering the supporting documentation required by the ATO.
We can provide your treatment plan, quotation and relevant clinical information to support the application.
Learn more about using SuperCare for dental and orthodontic treatment.
Access My Super
Access My Super provides another option for patients seeking assistance with compassionate release of superannuation for dental treatment. They help patients navigate the application process and understand the documentation needed to apply.
We work with Access My Super to provide the necessary dental assessment, treatment recommendations and supporting quotation. All applications are assessed against the ATO’s eligibility criteria.
Yes. We accept all major Australian private health insurance funds and have an on-site HICAPS terminal for convenient electronic claiming. If your treatment is covered by your health fund, we can generally process your claim at your appointment, leaving you to pay only the remaining gap. We are also preferred providers for HBF and HCF.
Yes. We welcome patients with all major Australian private health insurance funds, not just HBF and HCF. We’re preferred providers for HBF and HCF, which may offer additional benefits or reduced out-of-pocket costs for eligible members, depending on their cover. If you’re with another health fund, you can still receive treatment with us and claim eligible dental benefits through HICAPS.
Yes. We welcome patients with all major Australian private health insurance funds, not just HBF and HCF. We’re preferred providers for HBF and HCF, which may offer additional benefits or reduced out-of-pocket costs for eligible members, depending on their cover. If you’re with another health fund, you can still receive treatment with us and claim eligible dental benefits through HICAPS.
The best option depends on the cost of your treatment, how quickly you’d like to repay it and your financial circumstances.
Afterpay may suit smaller dental expenses that you can comfortably repay over six weeks. Zip Pay and Zip Money offer more flexible repayment arrangements and may be suitable for a wider range of treatment costs. The National Dental Plan, powered by Humm, may be worth considering for more extensive dental or orthodontic treatment where repayments need to be spread over a longer period.
We can explain the payment plans available at our practice and help you explore your options. All plans are subject to provider approval, terms and any applicable fees.
You may be eligible to access your superannuation early on compassionate grounds to help pay for medically necessary dental or orthodontic treatment. This can include certain procedures such as dental implants, root canal treatment and oral surgery, provided your circumstances meet the Australian Taxation Office’s eligibility requirements.
We work with SuperCare and Access My Super, two providers that assist patients with the application process. We can assess your dental needs and provide the treatment plan, quotation and clinical documentation required to support an application.
Early release is not available for every treatment or patient, and withdrawing superannuation can affect your retirement savings.
SuperCare and Access My Super both help eligible patients apply for early release of superannuation on compassionate grounds to fund necessary dental treatment. Both assist with navigating the application process, while the Australian Taxation Office determines whether an application meets the eligibility requirements.
The main differences to consider are their application processes, service fees, payment arrangements and the support each provider offers. We work with both providers and can supply the necessary dental documentation regardless of which you choose.
We recommend reviewing each provider’s services and terms before deciding which best suits your circumstances.
