Affordable Dental Plans

The ATO checks all early super access requests. You usually can’t use your super until you reach the preservation age. However, there are some cases where you can get it early. For example, you can apply on “compassionate grounds” through the Department of Human Services. At Cranbourne Dental Centre, our doctors will give you the necessary documents if they think it’s needed. Before you move forward, think about whether using your super is the best option. Look at other solutions and be aware of the risks of taking your super out early.

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https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/withdrawing-and-using-your-super/early-access-to-super/access-on-compassionate-grounds/expenses-eligible-for-release-on-compassionate-grounds

SuperCare manages your super release application for eligible dental treatments like implants, braces/clear aligners, root canals, crowns/bridges, and gum treatments. The process: Your dentist confirms medical necessity and provides documentation SuperCare handles paperwork, super fund liaison, and ATO lodgement If approved (typically 10 -15 business days), funds go directly to our practice Contact SuperCare at 13 00 665 440 or ask our Treatment Coordinator for referral details.

Access My Super focuses specifically on dental super access for treatments like implants, dentures, crowns, and orthodontics. We refer you to their consultant, they assess eligibility and collect documents (including our dentist letter), then lodge with ATO—claiming “approval or no fee.” Both services work similarly (10 -15 days typical), but SuperCare offers broader treatment support while Access My Super emphasises their network and guarantee. Ask our team which service we partner with most frequently.

No, the initial consultation and examination fee (payable on the day) doesn’t qualify for super release, as it’s diagnostic rather than treatment. However, if your treatment plan totals $15 0+ and meets compassionate grounds criteria, the treatment costs may be eligible. We’ll clarify this during your assessment.

No—ATO approval depends on proving medical necessity, and denial is possible even with SuperCare/Access My Super assistance. We recommend payment plans first (available from $15 0 at our practice), then super access only if truly necessary. Our Treatment Coordinator can guide you through all options after your examination.

Yes, we offer payment plans for eligible treatments starting from $150.
The process is:
● Meet with a dentist for a full assessment and personalised treatment plan. For your first visit, the check‑up and consultation fee is paid on the day of your appointment.
● Receive a written outline of procedures, costs, and timing.
● Our Treatment Coordinator explains your payment options and answers questions.
● If you decide to go ahead, we help you set up an appropriate plan or third‑party finance.

Payment plans are available for most recommended treatments, including fillings, crowns, root canal therapy, extractions, dentures, implants, orthodontic treatment (braces or clear aligners),and cosmetic dentistry, as long as the total treatment cost meets the minimum amount.

Yes, in many cases you can use a payment plan for emergency treatment once a dentist has assessed you and provided a treatment plan. The initial emergency consultation fee is usually payable on the day, and any further treatment may be eligible for a payment plan depending on the amount and provider criteria

You can generally use your private health insurance as normal, and then use a payment plan to cover the remaining out‑of‑pocket costs (gap), depending on the provider and approval. Our team can help you understand how much your health fund will cover and what can be placed on a plan.

Some third‑party payment providers may perform a credit check as part of their approval process, and this may appear on your credit file. Each provider has different criteria, so we recommend reviewing their terms and seeking independent financial advice if you’re unsure.

Some payment options require a deposit or initial payment on the day, while others may not. The amount can depend on the provider, total treatment cost and your application. Our Treatment Coordinator will explain any deposits, fees or upfront payments before you commit.

If you miss a payment, late fees or additional charges may apply depending on the provider and your agreement. It is important to contact the payment provider as soon as possible if you think you might miss a repayment, so they can discuss your options. We always encourage patients to choose a plan that feels realistic and comfortable for their budget.

Payment terms vary depending on the option and your treatment cost. Some buy now, pay later options let you spread payments over a few weeks, while other plans can extend over several months or longer for larger treatment plans. After your consultation, we will outline the payment term options available for your specific treatment and help you choose a timeframe that suits you.

Approval for third‑party payment plans is not guaranteed and is subject to each provider’s eligibility criteria, which may include your income, credit history and other factors. We can assist you with the application process and explain what is required, but the final approval decision is made by the payment provider. If one option is not suitable, we can discuss alternative payment choices where available.

The program provides eligible children up to $1052 in free dental benefits for a range of services including examinations, x-rays, cleaning, fissure sealing, fillings, root canals and extractions. The means-tested initiative requires your child to be receiving Family Tax Benefit Part A or a relevant Australian Government payment.