Payment Options
We want cost to be clear before treatment starts, not a surprise afterwards. Every patient receives a written treatment plan with itemised fees and expected health fund rebates before proceeding with any treatment beyond a standard examination.
Private health insurance
We have a Tyro terminal at reception, so if you have extras cover you can claim on the spot and only pay the gap. Please ensure you bring your physical health insurance card if you are with HCF, as the digital card is not compatible with our terminal.
We accept every Australian health fund, including Bupa, HCF, HIF, Teachers Health, Navy Health and Police Health. You can claim on the spot regardless of whether we are a preferred provider for your fund. Your rebate will be set by your own policy rather than by an agreed fee schedule.
Preferred provider
We are a preferred provider for:
HBF (Member Plus)
Medibank (Members' Choice)
nib (First Choice)
CBHS (Choice Network)
smile.com.au network
Preferred provider status means we have agreed a set fee schedule with that fund. For members of those funds it usually means a lower out of pocket cost than at a non-participating practice. What you actually get back still depends on your specific level of extras cover, your annual limits and any waiting periods, so we recommend confirming with your fund before treatment.
nib underwrites a number of other health insurance brands. If you are covered by AAMI, Apia, Suncorp, Qantas Insurance, ING, GU Health, Real Insurance, Australian Seniors or IMAN Australian Health Plans, your cover is likely to be underwritten by nib and our First Choice status may apply. Check with your fund to confirm.
smile.com.au is a dental network rather than a health fund. Members of participating funds including GMHBA, Frank Health Insurance, AIA Health, RBHS, OneMediFund and Peoplecare can access smile.com.au network fees at our practice.
ncludes AAMI, APIA, Suncorp, Qantas, ING, GU Health, Real, Australian Seniors and IMAN
Includes GMHBA, Frank Health Insurance, AIA, RBHS, OneMediFund, and PeopleCare
Payment plans
For treatment that runs over several appointments, we can structure payment in stages that line up with your treatment visits rather than asking for the full amount upfront.
We also work with Fund My Dental and Pretty Penny Finance, which allows you to spread the cost of treatment over time. Approval, fees and repayment terms are set by Fund My Dental and Pretty Penny Finance rather than by us, and are subject to their eligibility criteria. Full terms are available via https://fundmydental.com.au/ and https://prettypennyfinance.com.au/terms-and-conditions/.
Speak with our reception team before treatment starts and we will talk through what is available for your treatment plan.
Government schemes
Department of Veterans' Affairs
We treat DVA Gold Card and eligible White Card holders. DVA is billed directly for approved treatment, so there is no out of pocket cost for services covered under the DVA fee schedule. Some treatments require prior approval from DVA before they can proceed, and we will let you know if that applies to you.
Child Dental Benefits Schedule
The CDBS is a Medicare programme that covers basic dental services for eligible children aged 0 to 17. Eligibility depends on your family receiving a qualifying government payment, and Medicare assesses this, not us.
For two year benefit periods starting in 2026 the cap is $1,158 per eligible child. The two year period starts on 1 January of the year your child has their first CDBS service, and any unused balance does not carry over.
We bulk bill CDBS services, so there is nothing to pay for covered treatment while your child still has benefit remaining. The scheme covers examinations, x-rays, cleans, fissure sealants, fillings, root canal treatment and extractions. It does not cover orthodontic or cosmetic treatment.
Let reception know at the time of booking if you would like to use CDBS, and we will check the remaining balance before treatment.
Metropolitan Patients Dental Subsidy Scheme
MPDSS is a WA Government scheme that lets eligible metropolitan patients on the public dental waiting list receive subsidised care at a participating private practice.
To use it you need to register with Dental Health Services first on (08) 9313 0555 or at dental.wa.gov.au. If you are eligible, DHS will issue you a General Treatment Authority or Emergency Treatment Authority. Bring that form to your appointment. Your subsidy level is set by DHS based on your Centrelink income assessment, and you pay the remaining percentage of the government scheduled fee.
Please tell us at the time of booking if you intend to use MPDSS.
Everything else
We accept EFTPOS, Visa, Mastercard and American Express. Payment is due at the time of treatment unless we have agreed a payment arrangement in advance.
If cost is a barrier to getting the treatment you need, tell us. There is often more than one way to approach a treatment plan, and we would rather have that conversation than have you delay care.
Questions about any of this? Call us on (08) 6166 6342 or email reception@claremontdentalrooms.com.au and we will talk it through before you book.