Payment Plans, Insurance & Fees

Dental costs

Dental Payment Plans, Insurance & Fees at our Mornington Peninsula clinic

At our Mornington Peninsula dental clinic, we know that life happens – including unexpected dental problems. We’re here to help, and we have a range of payment options to suit your needs.

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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 know that the cost of some dental treatments may be a little hard to manage for some patients. So, we have partnered with two organisations to help you get the dental treatment you need:

  • OpenPay
  • MacCredit

Our friendly staff can help you choose the payment plan option that best suits you, based on your payment choices and the dental treatment you need.

Dental Payment Plan Options

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.

Open Pay

Open an account in less than two minutes, using the OpenPay app (available on Apple or Android) and create a payment plan with equal weekly or fortnightly interest-free instalments. Please visit this page to learn more.


MacCredit is a financial company specialising in medical loans – you take out a loan ranging between $4,000 and $60,000. You choose to pay weekly, fortnightly or monthly – for a time period between one and seven years. Loans from MacCredit offer competitive interest rates which align to those of the major lenders. Please visit this page to learn more.

Child Dental Benefits Schedule (CDBS)

In Australia, eligible families can participate in the Child Dental Benefits Schedule (CDBS) – this is a bulk-billed Commonwealth government scheme which covers basic dental services up to $1,000 over two calendar years. Basic services include:

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

Eligible children visiting our Mornington clinic need to be aged between 2 and 17 years old, and they or their parent / guardian need to be receiving an approved Centrelink payment.

Please visit the Child Dental Benefits Schedule page to learn more. 

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.

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.

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.