Payment Options

Flexible Payment Options at Bolsover Dental Practice, Rockhampton

At Bolsover Dental Practice, we understand that investing in your dental health is important, and we believe quality care should be accessible. We know that dental procedures can sometimes represent a significant financial commitment, which is why we offer a variety of payment options designed to suit different budgets and needs. Our goal is to ensure you can receive the necessary dental treatment without undue financial stress.

We are transparent about treatment costs and will always provide you with a detailed estimate before commencing any procedures. Our friendly Rockhampton team is here to discuss all options with you, helping you make informed decisions that align with your dental needs and financial circumstances.

Accepted Payment Methods

For your convenience, we accept the following payment methods at our Rockhampton practice:

Major Credit Cards (e.g., Visa, Mastercard)
Debit Cards (EFTPOS)
Cash

Health Insurance & HICAPS

We welcome patients from all major private health insurance providers. Our team is experienced in assisting you with understanding your policy and maximising your entitlements.

On-the-Spot Claiming: For most health funds, we offer HICAPS facilities. This allows us to process your claim electronically on the day of your treatment, so you only need to pay the gap amount. This means less paperwork and immediate convenience for you.

Payment Plans: Making Treatment More Manageable

We firmly believe that financial concerns should not prevent you from accessing essential or desired dental care. To help you spread the cost of more extensive treatment plans over a manageable period, we partner with trusted, reputable third-party finance providers. These plans can often be tailored to your individual budget.

Our team can provide you with information on these options and guide you through the application process.
The main payment plan providers we work with include:

Denticare

Specifically designed for dental treatment plans.
Allows you to pay for your treatment in manageable, interest-free instalments over a set period.
Covers a wide range of dental procedures.
A simple direct debit system is set up for your payments.
(Patients should always refer to Denticare’s terms and conditions for full details.)

Zip (including ZipPay and ZipMoney)

ZipPay:
- Ideal for smaller treatment costs, often used for everyday spending with a reusable account.
- Offers interest-free payment periods.
- Flexible repayment options (weekly, fortnightly, or monthly).
- An account keeping fee may apply.

ZipMoney:
- Suited for larger treatment amounts (typically over $1,000).
- Offers a line of credit with a guaranteed interest-free period (e.g., 6, 12 months or more, depending on the specific offer and treatment cost).
- After the interest-free period, standard interest rates apply to any remaining balance.
- Flexible repayments, but minimum monthly repayments are required. (It’s important for patients to review Zip’s specific product disclosure statements, terms, and conditions before applying.)

Our knowledgeable Rockhampton team is happy to discuss these plans further and help you determine which might be the most suitable for your circumstances.

Why Aren’t We a ‘Preferred Provider’? Our Commitment to You.

Bolsover Dental Practice is proud to be an independent, locally-owned private practice serving the Rockhampton and Central Queensland community. Our independence from corporate ownership or restrictive health fund contracts is a deliberate choice that directly benefits you, our patient.

Prioritising Your Needs: Our treatment decisions are based solely on your individual clinical needs and best interests, without any external influence or quotas from health funds.
Uncompromised Quality: We are free to choose the highest quality materials, advanced equipment, and the best local dental laboratories for your care, rather than being restricted by a health fund’s preferred (and often cheaper) options.
Fair and Transparent Fees: We ensure our fees are fair, reasonable, and reflective of the quality of care and service we provide, aligning with the typical costs for high-standard dental care in the Rockhampton area.
Focus on Excellence: Our primary focus is on delivering excellent, patient-centred dental care and building long-term relationships within our community, not on fulfilling contractual obligations to health insurance companies.

While preferred provider schemes might seem to offer slightly higher rebates initially, they can sometimes limit your dentist’s choices regarding materials or treatments. Our approach ensures you receive the most appropriate care for your long-term oral health.

Can I Use My Superannuation for Dental Treatment?

We understand that significant dental issues can profoundly impact your quality of life and overall wellbeing. While superannuation is primarily for retirement, there are specific circumstances where you may be able to apply for early access on compassionate grounds to cover essential dental treatment costs.

The Australian Taxation Office (ATO) has strict criteria for compassionate release of superannuation. Generally, this may be considered if you are suffering from a chronic or acute medical or dental condition causing pain, or if the condition is life-threatening, and you cannot afford the necessary treatment through other means.