Payment Plans, Insurance & Fees

Dental costs

Dental Payment Plans, Bulk Billing, Insurance & Fees in Mornington

At our Mornington Peninsula dental clinic, we’re here to help. We have a range of payment plans to suit your needs, so that you can achieve the smile you’ve always wanted.

You can also find out about dental insurance coverage, dental payment plans, the Child Dental Benefits Schedule (CDBS), bulk billing dental services and early access to superannuation on this page.

Dental payment plan young couple beach dentist Mornington Peninsula dental clinic

General Payment Options

Our clinic accepts over-the-counter payments in the form of cash, EFTPOS and credit cards. We accept Visa, MasterCard and Amex. We do ask that you settle your account with us on the day of your dental treatment, unless you have arranged a dental payment plan with us, or if you have a government payment scheme in place.

Dental Payment Plans

We have flexible payment options, so it’s easy for you to get the smile you want. With a customised payment plan, you can start your treatment now, and pay for it later in manageable weekly, fortnightly or monthly instalments, over a nominated term from six months to seven years.

Leave our Mornington clinic feeling happy, not only because you have a great-looking smile and have met your oral health goals, but also knowing that you can comfortably pay for this feeling. Find out more by visiting our Payment Plans page.

Child Dental Benefits Schedule (CDBS)

In Australia, eligible Mornington Peninsula families can participate in the Child Dental Benefits Schedule (CDBS). This bulk billing dental scheme from the Commonwealth government covers children for basic dental services up to $1,052 over two calendar years. Basic services include:

  • Check-ups.
  • X-rays.
  • Fillings.
  • Cleaning.
  • Extractions.

Children receiving CDBS services at our Mornington clinic need to be aged between 0 and 17 years old, and they or their parent / guardian need to be receiving an approved Centrelink payment.

Please speak with our friendly front-office team to learn more, or visit the Child Dental Benefits Schedule page from Services Australia .

Other Government Dental Schemes

Our Mornington clinic also accepts eligible patients who are participating in the following government schemes:

  • Veterans’ Affairs
  • Transport Accident Commission (TAC)
  • WorkSafe Victoria.

HiCAPS & Insurance

If you are a member of a private health insurance fund and have the appropriate cover, you are able to claim for most treatments directly from our Mornington clinic.


To make it easier and more convenient for you, our Mornington clinic uses the HiCAPS system. You can instantly claim your private health insurance rebate directly at the point of sale – this leaves you with a smaller out-of-pocket amount to pay.

HCF Preferred Provider

Certain dental treatments will provide you with 100% back on your bill if you have private health insurance with HCF.

Please visit this page to learn more.

Use your Superannuation for Dental Work

If you have wanted to get your teeth fixed, but haven’t had the funds to pay for high dental expenses, you may be able to access your superannuation early.

Based on ATO criteria set on compassionate grounds due to acute or chronic dental pain, we partner with Access My Super to confirm eligibility to receive early access to your superannuation.

Visit our dedicated early access to superannuation page to find out more.

Appointments & Cancellations

When you book an appointment at our Mornington clinic, your time is reserved exclusively for you. If you’re not able to keep your spot, please let us know with at least 48 hours notice. We may charge you a cancellation fee if you are not able to attend.

We will send you an SMS reminder before your appointment time.

Finance & Insurance FAQs

Why is dental care expensive in Australia?

Owning and operating a dental practice in Australia comes with a hefty price. Not only is the equipment pricey (such as dental chairs, X-ray equipment and even the ongoing costs of PPE and consumables), but there are the costs associated with professional insurance, ongoing professional development, and the annual membership fees for professional associations. And dental equipment needs to be serviced regularly to work effectively.

And just like operating any small business, dental practices need to pay rent and outgoings, staff salaries and financial management.

How can my dental care be more affordable?

Please speak with our friendly and knowledgeable office staff, or your dentist, about how we can help you manage the costs of your treatment. Remember, you may also be eligible to receive a rebate for your treatment if you are eligible for certain schemes funded by the Commonwealth government, or the TAC.

Can I get a dental payment plan to manage my dental fees?

We have partnered with a trusted organisation called TLC (Total Lifestyle Credit) to provide patients with personalised payment plans to manage dental fees. With tailored instalment amounts, and flexible payment terms, be confident in choosing dental procedures ranging in cost from $2,001 to $50,000.

You’ll be able to get the smile you deserve, using the payment options which suit you.

Will my private health insurance cover dental work?

We recommend contacting your private health insurance provider, to confirm if your policy includes Extras cover. Most Extras cover provides for basic dental treatments (check-ups, cleans, fillings etc). It will depend on the level of your Extras cover as to whether more complex dental treatments are covered (such as implants or orthodontic treatments).

Any patients with applicable private health insurance cover can come to our Mornington clinic and be eligible to receive a rebate from your private health insurance provider, depending on the type of treatment received. However, patients with appropriate cover from HCF (our preferred provider) are eligible to receive a more comprehensive rebate, depending on the treatment performed by the dentist.

Can I access my superannuation early to pay for dental work?

If you are experiencing acute or chronic dental pain, you may be eligible to access your super early to pay for dental work to remediate the pain.

To find out more about our partnership with the professional services company Access My Super, speak with our front office staff or visit our dedicated Access My Super page.