Health insurance for orthodontics

Average customer rating: 4.3/5
Written by Joshua Malin
Reviewed by Steven Spicer
Updated 05 June 2024

Why take out orthodontics cover?

When you take out extras cover that includes orthodontic benefits, you could significantly reduce the out-of-pocket costs for treatment like braces and retainers. Here are a few other reasons to consider an extras policy with orthodontic insurance:

  • Australia’s public health system (Medicare) doesn’t pay towards the cost of most dental services, including orthodontist appointments. Without insurance, you’ll have to pay the full cost out of pocket.
  • A health insurance policy with cover for orthodontics will typically also include other types of treatment like major dental, general dental and endodontics.
  • Taking out cover could be cheaper than you think with the Australian Government rebate.

Choosing cover for orthodontic treatment

If you’re interested in taking out a policy for orthodontic dental benefits, the best way to choose a policy is to compare your options side by side. Here are a few things to think about while you browse:

  • Treatment plans. Some health funds will require a treatment plan outlining the total cost for your course of orthodontics and how you’ll pay before providing a benefit.
  • Other extras services. You’ll rarely find an extras policy that only includes dental care, so make sure you’re happy with the other services provided like physiotherapy and optical.
  • Types of orthodontics. Some health funds may have exclusions for certain types of orthodontics, so if you have a specific brand’s product in mind (e.g. Invisalign), make sure it’s included before taking out cover.

Private health cover for orthodontics

Does health insurance cover orthodontics?

Limits and waiting periods

Cost of orthodontics without insurance

Are orthodontics covered by Medicare?

No, orthodontics aren’t covered by Medicare. This means that without private health insurance, you’ll most likely have to pay the entire cost out-of-pocket. However, each state and territory in Australia does provide public dental services for free or reduced-cost dental care to eligible recipients.

To be treated through your state’s public dental service, the treatment cannot be solely for cosmetic reasons, and you may be required to hold a health care card, be under a certain age or meet other criteria.

Meet our health insurance expert, Steven Spicer

Steven Spicer
Executive General Manager – Health, Life & Energy

As the Executive General Manager of Health, Life and Energy, Steven Spicer is a strong believer in the benefits of private cover and knows just how valuable the peace of mind that comes with cover can be. He is passionate about demystifying the health insurance industry and advocates for the benefits of comparison when it comes to saving money on your premiums.

Want to know more about health insurance?

1 Australian Dental Association, Dental fees survey. 2022.

2 Orthodontics Australia, Does Health Insurance Cover Orthodontics in Australia? October 2021.