What’s covered

Find out what child dental services we cover and how much we cover.

We cover up to $1,000 over 2 calendar years for basic dental services under CDBS. The services we will cover include:

  • check-ups
  • X-rays
  • cleaning
  • fissure sealing
  • fillings
  • root canals
  • extractions.

There are some restrictions for basic dental services. You should check with your dentist if there are any item or time restrictions before starting your service.

These services don’t count towards the threshold of the:

The services we won’t cover are:

  • orthodontic dental work
  • cosmetic dental work
  • any dental services in a hospital.

The 2 year period

You can claim up to $1,000 for each child over 2 consecutive calendar years.

The 2 year period starts at the beginning of the calendar year in which your child both:

  • becomes eligible
  • gets their first dental service.

You can use the full amount of $1,000 in the first year. This will leave no funds for the second year. If you don’t use the full $1,000 in the first year, you can use it in the second year. You can only use it in the second year if your child remains eligible.

If you don’t use the full amount within the 2 calendar years, you can’t use the remaining funds. You’ll have to wait for a new 2 year cover period to start.

You also won’t be able to use any remaining funds once your child is no longer eligible.

Example of claiming CDBS services

During 2017 Lia got the Parenting Payment. This meant her daughter Rachel was eligible for dental benefits for the year from 1 January 2017. She was eligible again in 2018 because Lia also got the Parenting Payment that year.

Lia claimed child dental benefits for Rachel in 2017 and 2018. By 31 December 2018 we had paid $840 of Rachel’s $1,000 limit. Lia can’t use the $160 balance in 2019 because the 2 year cover period is over.

In 2019 Lia got the Parenting Payment again. This made Rachel eligible for 2 years of dental cover from 1 January 2019. She can use up to $1,000 of dental benefits for that period. But she can only use it in 2020 if Lia gets an eligible payment that year.

Page last updated: 23 July 2019