Got kids between the ages of 7 and 16? You need to know this about your health insurance

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It’s the wah-wah ones, the terrible twos and then, before you know it, your little one’s all grown up, teeth included! But while teeth might grow in fast, they don’t always grow so painlessly…or straight. And with appointments for fillings, clean-ups and those ‘braces-or-no-braces’ conversations suddenly taking up your calendar, finding ways to cut down on costs can easily slip your mind.

But did you know that keeping your children’s teeth in good condition could be costing you less with private health cover? Make sure you get in early as policies typically come with a 12 month waiting period for orthodontic cover.

With this handy comparison tool from Health Insurance Comparison, you can easily get an idea of which health insurers and policies will cover orthodontic treatments for your children. You can also chat with an adviser if you have any questions around waiting periods.

All you need to do is pop in a few details and then click “Show Me Quotes” to view your policy matches from our panel of trusted Australian insurers. Before you read on, give it a go! On top of any rebate savings, customers save an additional $340.68 on average annually* just by comparing.

Here’s How You Do It:

Step 1: Select your current life stage below.
Step 2: Once you select your preferred coverage options, you will have the opportunity to compare quotes from multiple health funds.

Here’s How You Do It:

Step 1: Select your current life stage below.
Step 2: Once you select your preferred coverage options, you will have the opportunity to compare quotes from multiple health funds.

There are a few important considerations to make if you have younger children or teenagers.

  1. It’s recommended that some kids wear braces for years. If this is the case with your child, consider the ongoing costs involved in getting checkups, X-rays, the initial discussions or teeth moulding services, the braces attached, adjusted and eventually removed.
  2. Most policies that cover major dental services will also cover orthodontics, but this isn’t always the case. It’s best to check with your health insurer or you can chat to a qualified health insurance adviser to clarify the details. Orthodontic services are generally listed under Extras, for policy types that cover it.
  3. As we mentioned, when you purchase a new policy, you’ll generally need to wait 12 months before making an orthodontic claim.

If your children are still young and growing, getting health insurance for the family early on could be a smart idea. Not only will this give time for any waiting periods to pass, you may also end up saving more money long-term than if you had waited (particularly if multiple children end up needing orthodontic treatment or if your child is now on the cusp of becoming a teenager).

If you select a policy that covers orthodontic services, you could get rebates on your child’s orthodontics and save hundreds (or thousands, even) of dollars in future costs. And what’s more important to cover than the healthcare needs of those you love? Simply enter a few details into the comparison tool below to get started today on comparing some of the best comprehensive family policies today.

Get Started Now:

Step 1: Select your state below.
Step 2: After answering a few questions, you will have the opportunity to compare quotes in your area and could be eligible for significant savings.

See Your Low Rates

This article is opinion only and should not be taken as medical or financial advice. Check with a financial professional before making any decisions.

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