At Urban Smile, we believe everyone deserves a confident, beautiful smile—without worrying about the cost. If you have private health insurance with extras cover, you may be able to claim a portion of your clear aligner treatment and other services. Here’s everything you need to know to make the most of your health insurance benefits. You can find more info on ways to pay here.
Can I Claim Clear Aligners on Private Health Insurance?
Yes! If your extras cover includes orthodontics, you could receive a rebate for your Urban Smile clear aligner treatment. Every health fund is different, so it’s essential to check with your insurer about your specific policy, annual limits, and lifetime orthodontic limits. Some patients can receive as much as $2,500 back on their treatment, so it’s definitely worth checking with your insurer!
How Much Can I Claim?
The amount you can claim depends on several factors, including:
- Your Health Fund and Level of Cover: Each health fund offers different benefits based on your plan.
- Annual and Lifetime Orthodontic Limits: Many policies have a maximum amount claimable each year and a lifetime cap.
- Previous Orthodontic Claims: If you’ve claimed for orthodontics before, your available benefits may be reduced.
How Do I Claim?
Once you begin treatment at Urban Smile, we’ll provide you with a detailed tax invoice that you can submit to your health insurer. If you have any questions about the information needed for your claim, our studio team is happy to help.
Are Retainers Covered by Private Health Insurance?
In some cases, retainers may be partially covered by private health insurance, but this depends on your level of extras cover and your individual health fund. Some policies include retainers under orthodontic or dental appliance benefits, while others may not provide any cover at all.
It’s always best to check directly with your health fund to understand what you may be eligible to claim, including any waiting periods, annual limits or lifetime orthodontic limits that may apply.
Not Sure What You’re Covered For? Ask These Questions:
If you’re unsure about your cover, a quick call to your health fund can clarify everything. Ask the following questions:
- Do I have orthodontic cover under my extras policy?
- What’s my annual limit?
- What’s my lifetime limit for orthodontics?
- How much of my limit have I already used?
Understanding Health Insurance Item Codes
Health insurers use specific item codes to identify dental and orthodontic services. You can provide these codes to your insurer to confirm your coverage or visit your local Urban Smile studio for an on-the-spot quote based on your plan:
- Clear Aligners: Code 825 Per arch (upper and lower aligners included)
- Removable Replacement Retainer: Code 811 Per arch
- Bonded Retainer: Code 845 per arch
- Bonded Retainer Repair or Removal: Code 872
Get the Most Out of Your Health Insurance
We’re here to help you maximise your health insurance benefits and achieve a straighter, more confident smile. If you have questions or need assistance with your claim, contact your local Urban Smile clear aligner specialist clinic today!
Consultation required to assess suitability. Our orthodontists will advise if clear aligner treatment is right for you.