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Australian Health Fund Expiry Dates 2023

As the year 2023 gradually winds down, it's important for those with health insurance in Australia to think about their extras cover. Understanding the expiry dates of these benefits is essential for making the most your health plan.


In this blog from Channon Lawrence Dental, we'll explore the key dates you need to be aware of and offer tips on how to make the most of your health fund benefits before they lapse.


Key Dates For Health Fund Expiry

In Australia, the majority of health funds reset their extras cover at the end of the calendar year. This means as December 31, 2023, approaches, any unutilised extras, like dental benefits, will not carry over into 2024. Instead, they will expire.


It's important to remember that while this is common, some health funds operate on different schedules.


There are a few Health Insurance Providers that may reset based on the financial year (1st July to 30th June) or according to the membership year. For example, Queensland Country Health Fund if you signed up on 21 May 2023, it will expire on 20 May 2024​​.


Want to know when your health fund expires?

Get in touch with your provide via phone or email and ask! Or you can check out all the key dates for health funds with Finder.



Dental Health Fund Dates


Why You Should Use Benefits Before Expiry

It makes sense to take advantage of your extras cover and to find out what you have not used during the year. Not taking advantage of your extras cover could feel like a waste to some people.


Annual limits on various services, such as a typical $700 limit for dental services will reset, which means you will miss out on using your health insurance benefits, costing you more in the long run.


Important Dentist Services You May Be Covered For

Dental care forms a significant part of most extras covers. Commonly included services range from routine check-ups and cleans to more complex procedures like crowns or bridges.


Using your benefits before they reset each year is a smart move for maintaining dental health and avoiding end-of-year rushes.


Plus, there is a good chance you’re saving money in the long run!


This is particularly important for treatments that require multiple visits or lengthy procedures, ensuring you can complete them within the benefit year.


Maximising Your Extras Cover

Get in touch with our reception team and your health insurance provider. To make the most of your extras cover, it's a good idea to plan ahead and schedule your appointments.


Bite the bullet and book that long-postponed dental check-up! Or perhaps it’s time to finally getting that dental procedure you have been meaning to book.



FAQs about Expiring Health Cover Benefits


What happens if I don’t use my extras benefits?

Any unused extras expire at the end of the benefit period and cannot be reclaimed or carried over to the next year​​.


Can I use my benefits for any dental service?

Coverage varies by policy. It's recommended to check your policy details or consult with your health insurance provider for more information.


Do all health funds reset benefits at the same time?

Most follow a calendar year schedule, but there are exceptions. Always check with your specific provider​​.


Are there limits on how much I can claim?

Yes, both annual limits and sub-limits apply to different services within your extras cover​​.


How do I find out my specific annual limits?

Your annual limits are typically outlined in your health fund policy. Contacting your provider directly is the best way to get accurate information.


Can I carry over unused benefits to the next year?

Generally, no. Most health funds do not allow benefit rollover to the next year. So book in for a dental service with Channon Lawrence Dental before your benefits expire!



Your Local Gympie Dentist

With health fund extras set to expire soon, acting now ensures you maximise your benefits. Whether it's a routine check-up, time to upgrade your smile, or a preventive treatment, our range of dental services aligns perfectly with your health fund coverage.


Don't let your 2023 health fund benefits go to waste. Book an appointment with us today and make the most of your health insurance while maintaining your dental health.


Gympie Dentist

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