Payment options

How patients pay at Oracare, and how we can help if cost is a concern.

On-the-spot health fund claims

We're set up with HICAPS, so if you have private health insurance with extras dental cover, we process your claim at the time of your visit. You pay only the gap on the day: no waiting for reimbursement, no paperwork to chase.

We're preferred providers for NIB and TUH, which means eligible members of those funds often pay no gap at all on routine check-ups and cleans.

For any other fund (BUPA, Medibank, HCF, Police Health, Defence Health, smile.com.au and the rest), we'll process the claim the same way. What your fund covers depends on your policy.

In-house payment plans

For larger treatment plans, we offer interest-free in-house payment plans so you can spread the cost over time. We work with you to set a schedule that fits your budget (no third-party finance company involved).

Ask our team about an in-house plan when you're discussing your treatment plan. We'll talk through what's available based on your specific case.

Other options

Buy-now-pay-later (Afterpay, Humm, Zip): these are available on request, but we don't actively promote them; for most patients an in-house payment plan works out better.

Compassionate release of super: in limited circumstances the Australian Taxation Office may approve the early release of part of your superannuation to pay for dental treatment. Eligibility is decided by the ATO, not by us, and we are not licensed to give financial advice. The criteria and the process are set out on the ATO's access on compassionate grounds page.

No-cover patients: if you don't have health insurance, our standard fees apply. Ask us for a quote before any work begins; everything is in writing.

Talk to us

Cost shouldn't be the reason you put off dental care you need. If something here doesn't fit your situation, call us on (07) 3286 6914 and we'll work through the options together.