Allura Dental is your nib preferred provider for Truganina and Melbourne’s west

Qantas says its health insurance is issued by nib health funds limited, and it directs members to nib’s network of dentists, which it calls First Choice providers. Allura Dental in Truganina is in that network, so a Qantas card claims at the desk through HICAPS and you settle the difference. Qantas sets the product, the limits and the waiting periods, so check your own policy for what it pays.

AAMI Health Insurance is issued by nib health funds limited and marketed by Platform CoVentures. AAMI says members have access to a network of dentists it calls First Choice providers, written FirstChoice in some of its documents, and Allura Dental in Truganina is in it. AAMI also tells members not to worry if a preferred practitioner is missing from its search tool.

Apia Health Insurance is issued by nib health funds limited, and Apia publishes a firm rule: for dental services, percentage-based benefits are only available at First Choice network providers. Allura Dental in Truganina is one. Apia also states that nib is not part of the Suncorp Group. What your cover pays for dentures, crowns or root canal is set by your own Apia policy.

Suncorp Health Insurance is issued by nib health funds limited, and Suncorp states that nib is not part of the Suncorp Group. Suncorp applies the same rule as Apia: percentage-based dental benefits are only available at First Choice network providers, and Allura Dental in Truganina is in that network. Bring the physical member card and the claim is processed at the desk.

ING sells health insurance as nib’s authorised agent, and nib health funds limited issues it. ING promotes the First Choice network of dentists as a member benefit, and Allura Dental in Truganina is in it. You can see any dentist your insurer recognises; the network changes how the benefit is worked out. Your ING tier — Essential, Everyday, Everyday Advanced or Premium — sets your dental limits.

Real Health Insurance, sold under the Real Insurance brand, is issued by nib Health Funds Limited. Real publishes that percentage-based dental benefits are only available at First Choice network providers, and Allura Dental in Truganina is one. The percentage for your own cover is in your policy statement. Real’s no-gap offers through the network are optical rather than dental, so they do not carry across to teeth.

Australian Seniors is the brand the cover is sold under; the policy itself is Seniors Health Insurance, issued by nib Health Funds Limited. Seniors publishes that percentage-based dental benefits apply at First Choice network providers, and defines a recognised provider as one in private practice with qualifications nib recognises. Allura Dental in Truganina meets that, and claims at the desk through HICAPS.

Yes. GU Health’s own provider search lists Allura Dental in Truganina as a No Gap provider in GU Health’s First Choice network, and in GU Health’s words eligible members with Extras cover get “100% back on preventative dental check-ups”, subject to waiting periods, annual limits and service limits. GU Health sets its own plans, so tell us you are with GU Health when you book: the entitlement is checked through HICAPS before anything begins. See the listing.

No, and that is the useful thing to know. Each brand sets its own extras products, annual limits, waiting periods and service lists. What they share is the insurer behind the card and the dental network that comes with it. So the question is never what the brand pays but what your policy pays, which Allura Dental in Truganina checks through HICAPS before anything is done.

That depends on the policy you hold, not the brand on the card. nib describes its No Gap benefit by reference to nib Extras cover and names none of these brands either way. Of the eight, GU Health publishes a No Gap arrangement in its own name, and its provider search lists Allura Dental in Truganina as a No Gap provider in GU Health’s First Choice network. Allura Dental in Truganina does not guess: bring the card, and your entitlement and out-of-pocket figure are checked before treatment. The mechanics are on our nib No Gap dentist page.

At the desk. Allura Dental in Truganina is a HICAPS practice, so whichever of these names is on your card, your fund’s benefit comes off while you are standing there and you settle only the difference. Bring the physical card: some of these brands publish digital-wallet claiming and others say it is not yet available, so the card is the one that always works.

Yes. Each brand’s tool lists the practices in its network, which Qantas, AAMI and GU Health all say in their own words, so an absence is not a verdict on a dentist. You can see any dentist whose qualifications your insurer recognises; the network only changes how your benefit is calculated. Allura Dental in Truganina is listed in all eight of these searches — the links are beside each brand above.

No. First Choice is a provider agreement about agreed rates and how a benefit is calculated, not a recommendation. Allura Dental in Truganina is an independent practice, not owned by or acting for nib or any insurer named on this page, and the brand names and logos shown are trade marks of their owners, included only to identify eligible insurers.

Yes, on the covers that include dental. nib’s provider agreement counts an overseas worker or overseas student policy issued by nib or IMAN Australian Health Plans as an eligible nib customer, the same as cover sold under Qantas, Apia, Suncorp or AAMI. nib tells providers that dental benefits apply on the sponsored-student programs for the United Arab Emirates (OSHC Top Cover), Kuwait and Qatar (OSHC Premium), and on IMAN Top and IMAN Executive Top Cover — and that they do not apply on OSHC Retail, IMAN Basic, IMAN Mid, IMAN Budget or IMAN Value Plus. Eligible members on a cover that includes dental can claim that benefit at Allura Dental, subject to waiting periods and annual and service limits. nib approves the treatment plan before treatment starts, so bring your card and tell us when you book: we confirm your entitlement and any out-of-pocket figure with nib first.

You can still claim at Allura Dental in Truganina. The practice is a HICAPS partner with every Australian health fund, so your fund’s rebate comes off at the desk and you pay the difference. What comes back depends on your fund, your level of cover and how much of your annual limit is left.

No. Which insurer issued your cover changes what a visit costs you, not how quickly Allura Dental in Truganina sees you or what is done. If you are in dental pain, call the practice and a slot will be found as soon as one can be; the cover is checked afterwards, not before.