Payment Options

🦷 Payment Options & Insurance

At Malvern Family Dental, we believe that everyone deserves quality dental care. We offer a full comprehensive exam and will always inform you of treatment costs before proceeding.

💳 Payment Policy

• Full payment is required at the end of each visit
• We accept:
  • ✔ Cash
  • ✔ EFTPOS
  • ✔ Visa, MasterCard, American Express
  • ✔ Amex is also acceptable
• We also accept most private health insurance
• HICAPS available for on-the-spot claims with your health fund card

🏦 Flexible Finance Options

We understand dental treatment can be a significant investment, so we offer interest-free payment plans and multiple flexible options:

🟧 HUMM

• Finance up to $30,000
• No interest ever
• Pay weekly or fortnightly

🔵 DENTICARE

• No interest, no credit check
• Weekly, fortnightly or monthly direct debit
• Extra payments or early payout anytime

🟣 AFTERPAY

• Split your bill into 4 easy payments
• No interest or fees if paid on time

🟡 ZIP PAY

• Flexible repayment options
• Interest-free for eligible plans
• 💡 We also accept Dentacare Membership

🤝 Preferred Provider For:

We are proud to be preferred providers for the following health funds:

🏥 WESTFUND

Receive high-quality care with minimal out-of-pocket costs as a Westfund member.

🦷 CBHS

Maximise your rebates on preventive care (check-ups, cleans, mouthguards, x-rays) as part of the CBHS Dental Choice Network.

🧒 Child Dental Benefits Schedule (CDBS)

Eligible children aged 2–17 may receive up to $1,000 in dental benefits over two calendar years for essential dental services.

Services covered:

• Exams, x-rays, cleans
• Fissure sealing, fillings
• Root canals, extractions
• Partial dentures

🔗 Learn more about CDBS

💼 Access Superannuation for Dental Treatment

If you’re facing financial hardship or require urgent treatment, you may be eligible to access your superannuation early for dental care.

✅ Eligibility:

• Treatment must be medically necessary (not cosmetic)
• Financial hardship or compassionate grounds
• Supporting documentation from your dentist is required

📝 How to Apply:

1.Check eligibility on the ATO or your super fund’s website

2. Provide:

• Treatment plan & item codes
• Support letter from your dentist
• Financial evidence (e.g., Centrelink or bank statements)

3. Apply via:

• MyGov → ATO → Super → Compassionate Release
• Or third-party services like SuperCare or Access My Super

🤗 Our Philosophy

At Malvern Family Dental, we believe your treatment decisions should not be limited by insurance policies. Our priority is your health and satisfaction, and we’ll always provide clear guidance and flexible payment options to help you access the care you need.