If you have private health insurance with dental extras, the end of the year often comes with a familiar question. Have you used what you are entitled to, or will some of it go unused when your limits reset?
Many health funds restart on 1 January, while others reset on a different date depending on your policy. Either way, the lead up to a reset is a good time to review your remaining balance and book in if you’ve been putting it off.
Health Fund Reset Season Comes Quickly
Dental extras can feel like a bonus until you realise they have annual limits. Once your yearly cap resets, any unused amount usually does not roll over.
That’s why this time of year can be a great opportunity to get on top of check-ups, cleans, and any planned dental work you have been meaning to organise. It is also a helpful moment to plan ahead, especially if you know you may need more than one visit.
We’re Open With Normal Hours Over the Holidays
Trying to squeeze in an appointment before your health fund resets? It helps to know that Bluewater Dental in Tuggerah is open over the holiday period with normal hours.
That means you can book in without having to wait for the new year rush. It also means you can keep your oral health plans moving forward, even while everything else feels like it is on pause.
How Splitting a Treatment Plan Can Help
For some patients, dental care is not a one-appointment situation. Larger treatment plans may involve multiple visits, and that can be useful when you’re thinking about yearly health fund limits.
If your fund resets at the start of the calendar year, it may be possible to schedule parts of a larger plan across two benefit years, such as late 2025 and early 2026. This may help you access available limits in both years, depending on your policy, waiting periods, and the type of services included.
It’s worth knowing that every health fund is different. Annual limits, item numbers, and rebate rules can vary, so it is always a good idea to confirm your cover directly with your insurer.
A Simple Next Step
If you’re not sure what is left in your extras, start by checking with your health fund. Then, if you want to use your remaining benefits before they reset, book an appointment with Bluewater Dental. Please note: Our team can also provide item numbers for quoting if you need them for your insurer.