As the year draws to a close, the Australian Dental Association NSW (ADA NSW) is urging patients with private health insurance (PHI) to book dental appointments before their benefits expire on December 31, 2025.
Data from the June 2025 quarter shows private insurers paid $1.695 billion in general treatment benefits, with dental care accounting for $950.93 million.
Despite high demand, the average benefit per dental service dropped 3.6% to $68, highlighting that many patients are not fully utilising preventive care.
“It’s a busy time, but dental check-ups are crucial,” said ADA NSW President Dr. Mark Morrin. “Patients who don’t use their benefits before year-end simply lose them.”
Preventive dental care is more affordable than emergency treatment and can detect broader health issues, including gum disease and oral infections. Most PHI plans operate on a “use it or lose it” system, with unused dental extras not rolling over into the new year.
“Many people delay care until problems worsen,” Dr. Morrin added. “We strongly encourage checking policies and booking treatment now while appointments are still available.”
Families are also reminded that eligible children can access the Child Dental Benefits Schedule (CDBS) before year-end. The CDBS offers up to $1,132 in Medicare-funded dental care over two years for children aged 0–17, yet only about one in three eligible children currently use it.
“Tooth decay remains Australia’s most common chronic disease among kids, with one in four aged five to 10 having untreated decay,” Dr. Morrin said. “Booking a check-up now can prevent serious health problems later.”