We are CBHS dental service providers
This means we have entered into a contract with Commonwealth Bank health services to provide dental treatments to their members according to a fee schedule that they set. This is presuming you pay for ‘dental’ as part of your insurance plan with them.
Why is this a good thing?
With the Commonwealth Bank health scheme, all patients are entitled to two free check and cleans every year and this includes screening X-rays (taken every 1-2 years) Most other health funds charge a gap for x-rays. To take advantage of this however you need to go to CBHS dentist in Maroubra, like us
For other dentist treatment, there will be gap that will vary depending on your level of cover- see below for how this works.
When the health fund sets the fees, they do so lower than the normal private prices the dentist would charge. CBHS have specified a fee for certain dental treatments that participating dentists must charge. Commonwealth Bank like BUPA, have a selective schedule meaning that they have set fees for some dental items and not for others. Most check ups, fillings and routine work treatment will have a health fund fee allocated to it. Anything that doesn’t, the dentist simply charges their normal prices for and the health fund will give you some back according to your individual cover. Different levels of cover contribute different amounts so it is important to speak to your insurance company for accurate up to date information.
To give you an example;
A standard new patient exam consists of the following item numbers. The costs for CBHS and Our standard fees are shown:
|Service Item||Service Description||CBHS fee||Standard Fee||Difference (%)|
|114||Scale and Polish||?||97|
Its very easy to check your out of pocket expenses. Initially you will need an examination to see what treatment is required. X-rays may be needed as part of the diagnostic process; they let us see in between the teeth and assess bone levels and the roots of teeth that we simply can’t see with just an examination.
We will print you out this “treatment plan” which contains the all the information that CBHS need to tell you how much money you will get back. In turn, you can use this to figure out the gap or out of pocket expenses on any treatment you need to have done.
When you call them, you will need to provide the item number, the cost of the item number and how many of that particular item number you require. If there are any waiting periods, maximum allowable amounts or restrictions with the level of cover you have, they will be able to tell you at this stage.