1 The smart choice for health cover Dental Benefits Guide
2 About HIF s SmartTeeth dental benefits SmartTeeth dental benefits program rewards members who are proactive in the regular care and maintenance of their teeth. We encourage our members to see their dentist regularly, by paying up to 100% of the dental fee (1) for treatments like examinations, removal of plaque or stains, removal of calculus and remineralisation of the surface of teeth. We also want our members to protect their teeth when they are active in sport or leisure pursuits, that s why we will also pay up to 100% for mouthguards fitted by dentists. HIF SmartTeeth is uniquely different from other programs because we pay the highest rebates on the most popular services no matter which of our four levels of ancillary cover our members choose. More importantly, members can have absolute peace of mind in the knowledge that HIF is the only WA health fund to give members 100% freedom to choose their family dentist. Why SmartTeeth is superior SmartTeeth is a superior dental program because: We pay up to 100% of the dentist s fee (1) on the most popular and clinically appropriate dental treatments HIF is the only WA health fund to give ancillary members 100% freedom to choose their family dentist SmartTeeth rebates of up to 100% (1) are available to all ancillary members, no matter what level of cover they choose We regularly review our dental rebates and benefits SmartTeeth was developed by us with the benefit of our members feedback SmartTeeth was developed after considering recommendations from the Australian Dental Association (WA) [ ADA (WA) ] (1) See further into this guide to learn how HIF s SmartTeeth dental benefits program operates. Motivation to change dental rebate benefits. HIF gathers feedback from its members and dentists in many ways. HIF reviews feedback as part our ongoing endeavour to continuously improve both range of services and rebates payable to members. Dental rebates account for approximately 55% of all of HIF s Ancillary claims. HIF has identified an opportunity to deliver increased rebates payable for this specialty. What the President of the Australian Dental Association (WA) had to say about HIF s new and improved dental rebate benefits. The Australian Dental Association (WA) applauds HIF for its commitment to the dental health interests of their members. HIF continues to focus on encouraging their members to be proactive in the regular care and maintenance of their teeth and the ADAWA is pleased to support HIF with this initiative. It is pleasing to acknowledge HIF s superior dental rebate arrangements, including their SmartTeeth program which pays rebates of up to 100% of a dentist s fee for some treatments, no matter which level of ancillary cover their members may hold. HIF s dental rebate arrangements enhance affordability and reduce out-of-pocket expenses for our patients. More importantly, HIF is the only Western Australian health fund to actively encourage 100% freedom of choice of family dentist, because HIF knows the importance of the dentist-patient relationship in achieving the best quality dental outcome for our patients. HIF actively consults with the Australian Dental Association (WA) and we are pleased to see them adopting many of the Association s recommendations. HIF members should be delighted with their health fund and their dental rebate arrangements. Dr Tony Poli President, Australian Dental Association (WA) 3
3 How HIF s SmartTeeth dental program was developed. HIF s approach to developing their improved dental benefits package, SmartTeeth, involved reviewing dental charges from other WA dental providers and setting a benchmark fee (charge) for each dental service. HIF refers to this benchmark fee as the HIF deemed provider fee. How HIF s SmartTeeth dental program works. HIF calculates the rebate benefit by applying a percentage to (a) the actual fee charged by the dental provider and (b) the deemed provider fee. The rebate benefit payable by HIF is the lower of the calculated value at (a) above and the calculated value at (b) above. The calculated value at (b) above is the set maximum rebate benefit payable. 5 Members can receive one dental check up and scale or clean each year at little or no out of pocket expense. The following now apply to all HIF ancillary covers: Percentage payable on SmartTeeth items now up to 100% (to the maximum deemed fee) Dental Provider supplied and fitted mouthguards now included with HIF SmartTeeth dental items
4 HIF SmartTeeth pays up to 100% rebate on our most popular dental items, on all levels of ancillary cover. Table 1 ADA (WA) item no Description Initial oral examination 011 or 012 # or Periodic oral examination 111 or 114 or 115^ or 153 Removal of plaque, stain or calculus - first visit Topical application of remineralising agent Provision of a mouthguard Percentage of fee 1st visit/item* Percentage of fee further visit/item* 100% 80% 100% 80% 100% 80% 100% 80% * The percentage shown is the percentage of the dentist s fee, up to a maximum fee set by HIF (referred to as the deemed fee ) for the relevant ADA (WA) item number paid as a rebate. # Only the first examination in a calendar year, whether it be ADA (WA) item number 011 or item number 012, will attract 100% of the dentist s fee, up to a maximum fee set by HIF. ^ Only the first examination in a calendar year, whether it be ADA (WA) item number 111 or 114 or 115, will attract 100% of the dentist s fee, up to a maximum fee set by HIF. A closer look at HIF s SmartTeeth HIF s SmartTeeth dental program pays a percentage of the dentist s fee, up to a maximum fee. Thus, the maximum rebate benefit occurs when the dentist s fee equals or exceeds the maximum fee set by HIF. The percentage is determined according to: 1. The level of Ancillary health cover and 2. The group into which each dental item is classified HIF has identified the top 24 ADA (WA) dental items that our members utilise. Of these items, 8 of the most popular items have been specifically selected by us to attract up to 100% of the dentist s fee as a rebate, no matter which level of ancillary cover (see Table 1). We did this to encourage our members to be proactive in the care and maintenance of their teeth. The remaining 16 items included in our top 24 dental items also attract a higher rebate, as much as 80% of the dentist s fee depending on level of cover. Other items not included in our top 24 items, attract a very generous rebate, depending on level of cover and the ADA service grouping in which a particular item is included (see Table 2). For example, under Premium Options cover: 1. In each calendar year, if you have an initial oral examination 011 or a periodic oral examination 012, whichever occurs first, it will attract up to 100%. The second and subsequent occurrence(s) in a calendar year will attract up to 80% of the dentist s fee as a rebate. 2. The same applies to ADA (WA) items 111, 114 and 115. Whichever item occurs first in each calendar year will attract up to 100% of the dentist s fee as a rebate, with subsequent occurrences attracting up to 80%. 3. The first occurrence in each calendar year of ADA (WA) item 121 attracts up to 100% of the dentist s fee as a rebate, with subsequent occurrences attracting up to 80%. 4. As with examinations, if you purchase a mouthguard fitted by your dentist, that is either item 151 or 153, whichever occurs first, it will attract up to 100% of the dentist s fee as a rebate, with subsequent occurrences attracting up to 80%. 7
5 Benefits payable are subject to (a) existing service group annual sub-limits and (b) existing overall annual financial limits. Table 2 shows HIF s maximum rebate percentage for each grouping for each level of Ancillary health cover (see pages 11 and 12). Proposed date of service of the treatment Dental provider name or their provider number HIF will then be able to provide an estimate of the rebate(s) benefit(s) for the nominated treatment(s). Table 3 shows HIF s maximum rebate percentage for each Top 24 General dental items. (see pages 13 and 14). Transferring to HIF means you do not have to re-serve waiting periods. If you are currently insured with another health fund you will not have to serve any new waiting periods for the equivalent level of cover when you transfer to HIF. Thus, once you join HIF, you can access dental rebate benefits immediately. 9 As is the case with other health funds, when you join HIF as a first time insured member, you may be required to serve the standard waiting periods from your join date. The waiting period for most General dental benefits is 2 months from join date and 12 months for major dental benefits. Annual loyalty limits. HIF provides increased annual (maximum) dental rebate limits progressively, peaking after just 5 years membership. There is no particular standard loyalty period amongst private health insurers. At HIF, we believe our loyalty program is very generous. Contact HIF s friendly Customer Service Consultants on for more information. HIF members can obtain an estimate of the rebate(s) available for dental treatment. In order for HIF to provide an estimate for any planned or proposed dental treatment, HIF require the following information: Proposed treatment with specific dental item number(s) Dental provider fee per dental item Number of services per dental item
6 Claiming Immediate, secure and convenient rebate claim processing through HICAPS or IBA. Using either HICAPS or IBA technology solutions, HIF members can access their rebate entitlement(s) immediately, which means that HIF members are only required to pay the short-fall or gap (if any) between the dental provider fee and HIF s rebate. This service means: HIF members do not have to make up front full payment of the fee charged for the treatment(s) provided. Only the gap (if any) is to be paid HIF members do not have to wait lengthy periods to receive their rebate(s) Fast-Track Claiming Try our quick and easy Fast-Track ancillary claims option. Simply send your completed HIF claim form to: Fax (08) Conditions apply, for details please call HIF on or download the claim form from Other ways to submit your rebate claims. HIF members can also submit their claims via mail or deliver their claims in person at HIF, 60 Stirling Street, Perth. Choice of cover gives choice of dental rebates. If you are not a member of HIF, now is a good time to speak with a HIF Customer Service Consultant about HIF s very affordable Hospital and Ancillary health covers including: Hospital Ancillary GoldStar Premium Options Gold Super Options GoldSaver Special Options GoldStarter Saver Options HIF s dental rebate benefits are payable under all of our Ancillary covers (conditions apply). Join HIF today - our staff are available to assist you. HIF s friendly Customer Service Consultants can be contacted on alternatively, us at or access our website at An overview of HIF s Hospital and Ancillary covers is contained in our General Brochure. A Customer Service Consultant is available to discuss any aspect of the information in the brochure with you at your convenience. 11
7 Table 2 Percentage used to determine rebate benefit. Dental Item Groups HIF Ancillary Cover Top 24 SmartTeeth Dental Items Premium Options Super Options Special Options Saver Options Initial oral examination or Periodic oral examination Limited 100% 100% 100% 100% Topical application of remineralising agent Limited 100% 100% 100% 100% Removal of plaque, stain or calculus - first visit Limited 100% 100% 100% 100% 13 Provision of a mouthguard Limited 100% 100% 100% 100% All other general - all other (16 dental items) Limited 80% 70% 65% 65% General (Limited) - all other Limited 70% 65% 60% 60% General (Unlimited) - all other Unlimited 70% 65% 60% 60% Inlay/Onlay Limited 60% 60% 60% n/a Orthodontic Limited 60% 60% 60% n/a Periodontic Limited 60% 60% 60% n/a Denture/Crown/Bridge Limited 60% 60% 60% n/a Endodontic Limited 60% 60% 60% n/a Limited means there is a maximum annual financial limit to the total amount of rebate paid out.
8 Table 3 Top 24 SmartTeeth Dental Items. Item Number Description Percentage of Rebate 1st item^ Percentage of Rebate further visit/items^ 011 or 012 # Initial oral examination or Periodic oral examination 100%* 80% 111 or 114 or Removal of plaque, stain or calculus - first visit 115^ 100%* 80% 121 Topical application of remineralising agent 100%* 80% 151 or 153 Provision of a mouthguard 100%* 80% ^ This level of benefit is payable on all HIF Options products * 100% paid up to the set maximum benefit for the first item per calendar year, 80% paid up to the set maximum benefit for subsequent visits for same item or first and subsequent visits for other similar category items. 15 Item Number Description Premium Options Super Options Special Options Saver Options 013 Emergency oral examination 80% 70% 65% 65% 014 Consultation 80% 70% 65% 65% 022 Intraoral periapical or bitewing radiograph 80% 70% 65% 65% 118 Bleaching, external - per tooth 80% 70% 65% 65% 161 Fissure sealing - per tooth 80% 70% 65% 65% 311 Removal of permanent tooth 80% 70% 65% 65% 512 Metallic restoration - two surfaces - direct 80% 70% 65% 65% 513 Metallic restoration - three surfaces - direct 80% 70% 65% 65% 521 Adhesive restoration - one surface - anterior 80% 70% 65% 65% 522 Adhesive restoration - two surfaces - anterior 80% 70% 65% 65% 523 Adhesive restoration - three surfaces - anterior 80% 70% 65% 65% 531 Adhesive restoration - one surface - posterior 80% 70% 65% 65% 532 Adhesive restoration - two surfaces - posterior 80% 70% 65% 65% 533 Adhesive restoration - three surfaces - posterior 80% 70% 65% 65% 575 Provisional (Intermediate/temporary) restoration 80% 70% 65% 65% 577 Cusp capping - per cusp 80% 70% 65% 65%
9 Health Insurance Fund of WA (HIF) ARBN An association incorporated in Western Australia. A registered private health insurer. Call Stirling Street, Perth The information in this brochure was correct on the 1st of April Minor changes may have occurred since that date. If major changes occur, the brochure will be reprinted. Details of minor changes can be obtained from the Fund. This brochure supersedes all previous brochure information.
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