Fees / Insurance


At Complete Smile Dental, we are preferred providers for NIB, HCF and CBHS. We are also welcome all the health funds. Plus, we provide CDBS gap free dental care for children 2-17 years of age.


  • Basic dental cover: This type of cover refers to 6 month checkups, cleaning (incl. plaque removal) & fluoride treatment, smaller fillings, and most other types of preventative dental work.
  • Major dental/extras cover: This type of cover includes major dental procedures such as tooth extractions (incl. wisdom teeth), complex fillings, crowns, bridges and orthodontics/braces.

For more details, please check with your health fund provider.

* Cosmetic dental work, which includes any procedure that enhances your appearance and is not a medical necessity (e.g. veneers and teeth whitening), is NOT covered by health funds or Medicare.


When deciding on what type of dental insurance you need, you will have to consider your age, current oral health status and situation in life, as well as your budget.

For example, if you are a young single or couple and your oral health is good, general preventative dental cover is usually sufficient to cover your needs and prevent more serious oral health complications. However, if you have a family or are over 40, you may need to consider extras cover options for major dental work such as implants, braces and dentures. There is a higher cost involved in extras cover but in the long term, you can avoid expensive dental fees and save more money.

Other factors that you should consider include out-of-pocket expenses, “no gap” options, annual limits and waiting periods.

If you would like some help in deciding which health fund is suitable for you and your family from a dental perspective, then please do not hesitate to contact our practice manager. We will be more than happy to help and assist you to make an informed decision.


The Child Dental Benefits Scheme (CDBS)

We provide CDBS gap-free dental care for children 2-17 years of age. The Child Dental Benefits Schedule is a government funded dental benefit program (through Medicare) that provides access for eligible children aged 2-17 to dental services from all public and private dental clinics in Australia. The CDBS benefit covers a range of basic dental services, including: dental examinations and cleaning, X-rays, fissure sealing, fillings, root canal treatments and extractions.

The CDBS benefit cap is $1,000, and it can be used over a two year period. This access period commences on the first day of the calendar year, when your child attends their first eligible dental visit.