Overview
Planning for dental treatment involves more than just the procedure itself it’s also about understanding your financial options.
At All On 4 Plus® we strive to make the process as clear as possible by guiding you through the various rebates, health fund contributions, and other financial resources available to help offset costs
We work with trusted external providers, including TLC, Denticare, and Access My Super, to give patients more ways to fund their dental care. Our own Plan Zero option also allows for direct payment arrangements. Each option is designed to provide flexibility and affordability, whether you’re covering the full cost upfront or prefer a structured repayment plan.
Not all payment options are available at every clinic, so we recommend checking with your chosen All-On-4 Plus® location to confirm which financing solutions are offered. Our team is here to help you understand your options and guide you toward the best choice for your situation. Investing in your smile is a life-changing decision, and we’re committed to making it as smooth and stress-free as possible.
Will Medicare cover the costs of my treatment?
Medicare pays a portion of your medical expenses.
Whilst your dental expenses are not covered by Medicare, the Anesthetic procedure is an outpatient medical procedure and as such you will be entitled to receive a rebate towards the anesthetic fees.
How much out of a rebate you will receive and how much out of pocket will depend on your individual Safety Net bracket as well as whether you have had other medical expenditures that bring your balance closer to the Safety Net threshold.
Once you have your All On 4 Plus® procedure, the anesthetist will invoice you separately to the dentist. Their fee is typically $1450 for the first hour and then $600 for every half an hour following, but may change depending on the kind of surgery.
Alternatively, you may receive a fixed fee quotation from the Anesthetist.
You will receive a rebate from Medicare for this fee, however, the amount of rebate you are entitled to will depend on your yearly Medicare ‘safety net’ threshold amount.
Can I get a rebate off my private health insurance?
If you have private health insurance you may be able to receive a small amount back if you have dental cover.
If you have General Dental cover only you will receive a partial rebate for the smaller items like extractions. There is typically no limit on how many smaller general procedures you can have and claim, but there are limits on how much is paid towards each such procedure.
Primarily, All On 4 Plus® treatment falls under ‘major dental’, which typically has an annual cap of $500 to $2,500. If you have ‘Major Dental’ your rebate will be the value of the residual remaining from your annual limit under Major Dental plus a separate rebate for the items that fall under General Dental.
Whether you get anything back at all will depend on who your private health insurer is and their own policies and terms and it is not something that we can control.
Early release super may be available for patients that have pain.
It is not a rebate on your treatment but a drawing on your super which can be up to the full cost of the procedure depending on how much you have in your Super.
This has become very popular for those who have enough in their Super and who are eligible as it allows you to draw out of your super for health reasons.
What is Plan Zero® and am I eligible?
PlanZERO® is a payment program designed to help patients finance dental treatment at participating clinics.
It involves an agreement between the patient and the clinic secured by a residential property to ensure repayment.
What is PlanZero® Secured Finance? PlanZERO® is a payment program designed to help patients cover the cost of dental treatment at participating clinics. It involves a contract between the patient and the clinic, secured by a residential property to guarantee repayment.
Unlike traditional financial institutions, PlanZERO® charges no interest, and since it's managed directly by the clinic, repayment terms are more flexible. This program is ideal for patients who can manage regular payments but want to reduce the immediate financial burden of dental treatment.
PlanZERO® allows patients to complete their entire treatment in one go, which often leads to better outcomes and avoids the delays or compromises of addressing issues one step at a time
What amount can I borrow on a PlanZERO® Repayment Plan?
You can put as much as 50% of the value of your dental treatment only on the repayment plan, excluding the cost of the anaesthetic (if done under a General Anaesthetic).
I don’t own a residential property, can I use PlanZERO®?
The quick answer is no, the repayment plan must be secured by a residential property. However, the property does not have to be specifically in the patient’s name. It is not uncommon to have a trusted partner or close relative who does own a property and who is happy to use their property as security. There are two simple documents, the security document (signed by all owners of the property who appear on the title) and the repayments document (signed by the patient).
What happens to the security property once the documents are signed?
Once all the forms are signed, the member clinic will lodge a charge against the property which will remain until the amount owing is fully repaid.
Once the debt is repaid the charge will be removed.
While there is a charge on the property, it cannot be sold without consent from the clinic, unless the debt is repaid and the charge is removed.
Many Australians are unaware that they may be eligible to withdraw a portion of their super to cover major dental treatments. Whether you require dental implants, orthodontics, periodontics, or other necessary procedures, early access to your super can provide a practical financing solution.