Can someone tell me about healthfunds? pls

[~Kim~]

I concur.
I had braces put on at 24. All up it cost $10 000. Thankfully paid in installments. I got less than $2000 back from PHI despite having had top cover since I left school.
The PHIs seem to be cutting more and more back for major orthodontic work. Our family cover only gave $1500 max per person per lifetime.

[nic]

I concur.
I had braces put on at 24. All up it cost $10 000. Thankfully paid in installments. I got less than $2000 back from PHI despite having had top cover since I left school.
The PHIs seem to be cutting more and more back for major orthodontic work. Our family cover only gave $1500 max per person per lifetime.

You're not wrong there kim! Our PHI, pays out $2500 per family member over a lifetime for orthodontics, BUT it is paid out at $500 per year max. It is set to change this year cut back some more while they up our premiums

[StrawberryMumma]

I looked into getting Invisalign (alternative to braces) a few months ago (as my teeth have moved since having braces as a teenager ) and spoke to our private health insurer about it. He told me there would be a 12 month waiting period and we would have to up our cover to just over double the fortnightly amount we pay now. That's all fine, except then I would only get about $500 back on the treatment. So it ended up not being worth it to take out the extra cover just to get such a little amount back.

Good luck!

[nic]

Oh, I just had a thought! Can't believe i didnt think of this before I watched a show last year sometime, about dental schools and how you can go along as a 'patient'. The story was about one in Brisbane...if you google for - university of qld dental school - then click on patient clinics for a read. they do orthodontic work too, and it is fully supervised Maybe have a search for one in your area??