MediPay is a payment provider offering tailored financing for dental treatments. Patients can apply for pre-approved funding directly through the MediPay platform, subject to eligibility and credit assessment. If approved, treatment costs are paid directly to the clinic and repaid in instalments by the patient over an agreed period. This option may suit patients requiring more extensive treatment who prefer to spread payments over time. All applications are managed independently via MediPay.
Using your superannuation for dental treatments: It is possible to use superannuation (super) funds to pay for medical and dental treatments. This option fits into an arrangement with the Australian Taxation Office (ATO) and is called ‘Compassionate Release of Superannuation’. This program can be a solution for people who would otherwise not be able to afford necessary medical or dental expenses and who don’t qualify for treatment in the public health system. Please speak to us about it.
Cancellation Policy: At Cranbourne Dental Centre we see all patients on an appointment basis and ask that you call in advance so that we may reserve time for you. We respect your time and make every effort to remain on schedule and ask that you extend the same courtesy to us. If you are unable to keep an appointment, please notify us immediately. We appreciate 48-hours notice so that this time may be given to another patient. Appointments cancelled or broken without 24-hour notice will be subject to a $50 cancellation fee.
Dental Payment Plans- What you need
Navigating dental expenses can be daunting. Many people delay necessary treatments due to high costs. Dental payment plans offer a solution. They spread the cost over time, making dental care more affordable. With options like Afterpay, ZipPay, ZipMoney, Humm, DentiCare, Payright and MediPay, you have choices. Each plan has unique features and benefits.
Understanding these options can help you make informed decisions. This guide will compare these plans, highlighting key aspects. In Australia, dental practices cater to diverse needs. Some clinics offer in-house interest-free payment plans. These plans require no interest if payments are made within a specific timeframe. Another option is no-deposit plans, allowing you to begin treatment without upfront costs.
Patients also have the option to choose customized plans. These plans adjust based on treatment specifics and financial situations. Additional options include:
● Third-party financing
● Direct debit arrangements
● Discounts for full upfront payments
Receive dental care now and pay later
The expense of dental care is often a significant consideration, particularly if you’re facing substantial or unforeseen costs, such as:
- Emergency dental treatments or unexpected dental pain relief
- Care plans for ongoing or more intricate dental conditions
- Procedures requiring specialists
- Dental implants or All-on-Four® surgeries
- Cosmetic dental services, which might not be included in private health insurance plans.
Dentist Nearby: Exploring Dental Payment Plans
Here’s a brief look at some popular options. Each plan has distinct benefits and requirements:
Afterpay:
Here’s how Afterpay works for dental expenses:
- Great for smaller treatments.
- Make your first payment today and the rest over 6 weeks, four equal interest‑free instalments over six weeks,
- No interest
- Pay nothing to sign up, no establishment fees, no monthly account fees
- Suits those seeking short-term payment plans.
- Late fees apply for missed payments
- It usually doesn’t require credit checks.
ZipPay and ZipMoney:
ZipPay and ZipMoney cater to different financial needs, providing flexibility and control over payments. ZipPay extends a credit line up to $1,000, useful for routine dental procedures. It offers interest-free terms on repayments if handled within the set period. Conversely, ZipMoney caters to more substantial expenses with higher credit limits, often required for extensive dental work or major dental procedures like All-on-4 Dental Implants and Clear Aligners.Key features of ZipPay and ZipMoney include:
- Interest-free periods.
- Varied credit limits.
- Required credit checks.
Humm/NDP (national dental plan):
Humm provides two distinctive payment plans tailored to meet varying dental expense needs. The “Little Things” plan covers minor dental costs with interest-free options, allowing for easy management of smaller bills. For larger dental procedures, the “Big Things” plan offers higher credit limits but may include interest charges. It’s designed to accommodate significant dental work financially accessible. Some key aspects of Humm include:
- Two distinct plans for different expenses.
- Simple application process.
- Instant approval for eligible customers
DentiCare:
Key features of DentiCare include:
- Interest-free payment plans & No Credit Checks● Minimum payment plan amount of $500 & Maximum payment plan amount of $25,000
- Must have proof of income/payslip
- Maximum term 12 months
- Minimum 20% deposit paid
MediPay:
MediPay offers tailored financing solutions for healthcare, including dental procedures. It provides competitive interest rates with flexible terms. A significant advantage of MediPay is its quick approval process. This helps patients access funds for urgent dental treatments without delay. The process is straightforward, ensuring convenience and peace of mind. Notable features of MediPay include:
● Competitive interest rates.
● Fast approval process.
● Flexible repayment terms.
PayRight:
- Treatment plans from $150 up to $20,000
- 3, 6, 12, 18, 24 or 30 month term
- Interest Free — 0% interest
- Easy fortnightly payments
- Simple application process
- Low establishment fee
| Provider | Best for | Approx. Treatment Amounts | Interest-Free?* | Credit Check Required? | Typical Term Length | Key Points |
|---|---|---|---|---|---|---|
| Afterpay | Smaller, short-term treatments | Up to around $2,000 | Yes, if instalments paid on time | Usually no | 4 instalments over 6 weeks | Pay in 4 equal fortnightly instalments; late fees may apply. |
| ZipPay | Routine / moderate treatments | Commonly up to $1,000–$2,000 | Promotional interest-free period | Yes | Ongoing; user sets repayments | Monthly account fee may apply while balance remains. |
| ZipMoney | Larger or complex procedures | From $1,000 to higher limits | Interest-free for a set period | Yes | 3–24+ months (provider dependent) | Establishment and account fees; interest applies after promo period. |
| Humm / NDP | Small and large treatment plans | Wide range (minor to major cases) | Often interest-free on selected plans | Yes (usually) | Varies by plan | “Little things” for smaller costs; “Big things” for larger treatments. |
| DentiCare | Structured, practice-managed plans | From a few hundred up to tens of thousands | Yes, interest-free plans via clinic | No | Commonly 3–24 months | Direct debit; tailored to treatment; minimum and maximum amounts apply. |
| MediPay | High-cost or urgent dental care | Larger treatment amounts | No – interest-bearing finance | Yes | Flexible (loan-style) | Medical finance product with quick approvals and set repayments. |
| Payright | Planned and cosmetic treatments | Typically from $150 up to $20,000 | Often 0% interest on promo plans | Yes | 3 to 30 months | Easy application; establishment and other fees may apply. |
| In-house plan* | Existing and new patients at practice | From $150 and above (clinic set) | Usually interest-free if on time | Often no | Set by clinic (e.g. 3–12 months) | Arranged after treatment plan; ask clinic for exact terms and fees. |
Comparing Dental Payment Plans: Key Features
Selecting the appropriate dental payment option requires careful evaluation, by assessing your specific dental care needs and financial situation. This ensures you choose a plan that aligns well with your circumstances.
● Interest rates and fees: These vary significantly between providers. While some plans, such as Afterpay, charge no interest, others like ZipMoney have interest after a certain period. Always check these details carefully.
● Repayment flexibility: Some plans offer variable payment schedules to fit different financial situations. Make sure the terms align with your budget constraints.
● Eligibility requirements: To meet the basic requirements, patients must be 18 years or older. They need to have an Australian driver’s license, passport, or other government-issued ID. They must live in Australia permanently. Finally, they need a valid email address and an Australian mobile number.
● Special promotions.
● Be sure to look for any hidden fees that may catch you off guard later, such as set-up fees, account maintenance fees, upfront deposits, transaction fees, late payment fees, and missed payment fees.
Consider the following factors to guide your choice:
● Your budget and ability to repay.
● The credit approval process and eligibility.
● Compatibility with your dental practice.
Important Disclaimer: The financial details in this article are meant for general information and shouldn’t be used as financial guidance. Before taking any steps, it’s advised to get tailored advice from your financial institution or advisor. The information provided was accurate when published.
(FAQs)
Frequently Asked Questions
Q1: Does Medicare Cover Dental?
● Medicare covers only limited dental services, and not everyone is eligible.
● People with certain concession cards and children under specific schemes (like Child Dental Benefits) may be able to access free or subsidised dental care.
● You may also have access to public dental clinics with waiting lists.
For personalised advice, contact our team or check the latest information on the Services Australia / state health websites.
Q2: Can I withdraw my super to pay for emergency dental work?/Can I access my super for compassionate reasons?
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.
Click Here for full terms and conditions 👇
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
Q3: How does SuperCare work with Cranbourne Dental Centre?
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.
Q4: What about Access My Super (My SuperCare)?
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.
Q5: Does my first check-up fee qualify for super access?
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.
Q6: Is super access guaranteed through your clinic?
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.
Q7: Do you offer payment plans and how do I begin?
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.
Q8: Which dental treatments can I use a payment plan for?
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.
Q9: Can I use a payment plan for emergency dental treatment?
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
Q10: Can I use my private health insurance with a payment plan?
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.
Q11: Will using a payment plan affect my credit score?
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.
Q12: Do I have to pay any deposit or upfront amount?
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.
Q13: What happens if I miss a payment on my plan?
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.
Q14: How long can I spread my payments over?
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.
Q15: Am I guaranteed to be approved for a payment plan?
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.
To find out which payment option suits your treatment and budget, book a consultation with Cranbourne Dental Centre today. We’ll prepare a written treatment plan and help you set up payments step by step.
