Flexible Choices To Suit Your Dental Budget
Explore Payment Options That Make Dental Care Simpler
Flexible payment options are available to support your care. Access treatment with less stress, greater clarity, and plans designed with your budget and personal needs in mind.
We Accept All Health Funds and Make Claims Easy
Bring your health fund card, and we’ll process claims on the spot, making your visit simpler, quicker, and more convenient.
Payment Options Available at Illawarra Dentists Clinic
We provide several payment options to support your care. You can pay upfront, use your health fund, or arrange flexible instalments that suit your needs.
SuperCare
SuperCare may help you access an early release of superannuation to fund essential dental care. This option can ease financial pressure for eligible patients seeking treatments such as dental implants, oral surgery, or orthodontics. Our team will guide you through each step of the application process with professionalism, clarity, and compassion.
MediPay
MediPay offers flexible payment plans to help make dental treatment more manageable. Approved patients can access fast funding with fortnightly or monthly repayments. This option is suited for treatments such as orthodontics, veneers, or dental implants. Use the online calculator to estimate your repayments and explore a plan that suits your needs.
Afterpay
Afterpay allows eligible patients to divide the total cost of their dental treatment into four interest-free instalments, paid fortnightly. It is generally suited to lower-cost services such as check-ups, fillings, or whitening. The first payment is typically made at the time of your visit, with the remaining three scheduled to be paid automatically.
Zip
Zip offers a flexible way to manage dental expenses through instalment-based payment plans. Patients can choose from interest-free or extended options with structured repayments. You can use Zip to access care across a wide range of treatments without the need for upfront payment. Applications can be completed online within minutes.
Total Lifestyle Credit (TLC)
Total Lifestyle Credit (TLC) provides customised payment plans for a diverse range of dental treatments. Funding can cover procedures such as implants, orthodontics, or cosmetic dentistry. Applications are straightforward, and support is available throughout the process. TLC helps reduce financial barriers by providing flexible options that support your goals and make essential care more accessible.
Book Your Dental Visit With Confidence
Feel supported at every step. Our team offers professional guidance so you can make informed decisions with confidence.
Frequently Asked Questions
Explore answers to common questions about dental payment plans and health fund use. Learn about the flexible financing options available across all Illawarra Dentists locations.
SuperCare helps eligible patients apply for early access to their superannuation to fund essential dental care. It’s commonly used for treatments such as implants, oral surgery, or orthodontics. The process is designed to reduce financial pressure by helping you avoid upfront costs or high-interest loans.
Here’s how it works:
Document preparation: Once eligibility is confirmed, your case manager will assist you in gathering the necessary supporting documents. This includes medical records and a treatment plan from your dentist. These documents are essential for submitting a compliant and complete application.
ATO application: SuperCare prepares and submits your application to the Australian Taxation Office (ATO). The ATO typically reviews and approves applications within 1-14 days. Your case manager monitors the application’s progress and keeps you informed throughout.
Fund release: If your application is approved, the funds are transferred directly to the clinic. These funds are then used to pay for your dental treatment. This system allows you to proceed with your treatment without needing to pay upfront.
Support throughout: Your case manager handles communication with both the ATO and your dental clinic. They see to it that your application remains compliant and that any questions or updates are managed efficiently. This guidance helps reduce stress during the process.
Extra benefits: SuperCare does not charge any upfront fees—you only pay if your application is approved. There are also no credit checks required. The service can be used to help cover treatment for your spouse, partner, or dependent children as well.
Here’s how it works:
SuperCare can be used to support the cost of a wide range of essential dental services. It is especially helpful for treatments involving complex care or relieving significant discomfort.
Eligible dental procedures may include the following:
Dental implants: Dental implants replace missing teeth with a long-term prosthesis that functions and feels like natural teeth. They support chewing, prevent bone loss, and improve overall oral stability.
Oral and maxillofacial surgery: This may include the removal of impacted wisdom teeth, treatment of jaw issues, or surgical procedures needed for advanced dental care. These procedures often involve anaesthesia and require advanced training or experience in oral surgery.
Root canal therapy: Root canal treatment is used to address infections or inflammation inside a tooth. It helps relieve pain, preserve the tooth structure, and prevent the need for extraction.
Orthodontic treatment (braces or aligners): SuperCare may help fund braces or clear aligners for both adults and children. These treatments improve bite alignment and support long-term oral health.
Crown and bridge: Dental crowns restore damaged or weakened teeth by providing a strong outer covering that protects and supports the tooth. Bridges fill the gap left by missing teeth, improving both appearance and function.
Periodontal care (gum treatments): Treatment for gum disease may include deep cleaning, gum surgery, or supportive therapies. Managing gum disease is essential for protecting the structures that support your teeth.
Full or partial dentures: Dentures are custom-made appliances that replace missing teeth. They help restore your ability to eat and speak comfortably while supporting facial structure and aesthetics.
SuperCare can also assist with dental treatment funding for your spouse, partner, or dependent children. This applies if the eligibility criteria are met under the Compassionate Release of Superannuation scheme.
Eligible dental procedures may include the following:
Yes, our team can guide you through the SuperCare application process. We do not handle submissions directly. However, we work closely with patients and SuperCare case managers to help coordinate treatment plans and required documentation. This collaborative approach helps confirm your application is complete, compliant, and submitted.
We are here to support your care journey by providing the information needed for a smooth process. We can help you get started with SuperCare for dental care and address any questions you may have.
Applying for MediPay is a simple process designed to make dental treatment more accessible. Here’s how it works:
- Visit the MediPay website: Begin by visiting the official MediPay website. There, you’ll find detailed information about their payment plans, terms, and the types of healthcare services they support, including dental care.
- Use the repayment calculator: MediPay offers a repayment calculator that allows you to estimate your fortnightly or monthly repayments. This tool helps you understand the financial commitment before applying based on your selected loan amount and repayment period.
- Complete the online application: Fill in the online form with your personal and financial details. You will also need to include the name of your dental clinic and an overview of the treatment you’re seeking. This information helps MediPay assess whether you qualify for funding.
- Wait for a response from MediPay: After submitting your application, MediPay will review the information and notify you of the outcome. If approved, you’ll receive the loan terms and instructions for finalising the process.
- Proceed with your dental treatment: Once your plan is approved, the funds will be arranged through MediPay, allowing you to begin your treatment. You will then repay the amount through regular instalments based on the agreed schedule.
MediPay can be used to finance a wide range of dental treatments. However, availability depends on your loan approval and the nature of the procedure. It is commonly used for services such as the following:
Dental implants
Orthodontics (including braces and aligners)
Crowns and veneers
Oral surgery
Not all procedures may be eligible. Cosmetic or elective treatments may require additional review, depending on MediPay’s lending criteria. We recommend checking directly with MediPay or using their online application tool to assess your eligibility based on your proposed treatment plan.
Not all procedures may be eligible. Cosmetic or elective treatments may require additional review, depending on MediPay’s lending criteria. We recommend checking directly with MediPay or using their online application tool to assess your eligibility based on your proposed treatment plan.
Afterpay is typically used for general and cosmetic dental procedures that fall within your approved spending limit. It allows you to split payments into four interest-free instalments, making dental care more manageable for eligible services. However, it may not be suitable for high-cost or complex procedures, depending on your individual Afterpay account and the clinic’s policy.
Some treatments that may be eligible for Afterpay include:
Professional teeth whitening
Dental check-up and clean appointments
Tooth fillings and minor restorations
Porcelain veneers (if within the limit)
Invisalign deposits or progress payments
For larger or more involved treatments, such as implants or oral surgery, we recommend speaking with our team. We can help you explore alternative payment options better suited to those procedures.
For larger or more involved treatments, such as implants or oral surgery, we recommend speaking with our team. We can help you explore alternative payment options better suited to those procedures.
Setting up an Afterpay plan is a simple process that allows eligible patients to split dental payments into manageable instalments. Follow these steps to get started:
- Create or log in to your Afterpay account.
Visit the Afterpay website or download the app, then sign up or log in to your existing account. You’ll need to provide your personal details and payment method. - Check your spending limit.
Afterpay assigns a spending limit based on your usage and repayment history. It’s important to confirm your available limit before scheduling a dental appointment. - Book your dental appointment.
Let our reception team know you would like to use Afterpay as your payment method. We’ll confirm if your treatment is eligible and explain how it can be applied at our clinic. - Pay in four interest-free instalments.
On the day of your visit, your payment will be processed using your Afterpay account. The total will be split into four equal payments, made every two weeks.
Track and manage payments through the app.
You can manage your repayments through the Afterpay app or website. Reminders and updates are provided to help you stay on top of upcoming payments.
There are generally no upfront costs when using Afterpay as long as payments are made on time. Your total is split into four interest-free fortnightly instalments. Your first payment is due immediately or within 8–14 days after your appointment, depending on your Afterpay account and the purchase amount.
Here’s how it typically works:
No upfront payment: If you have access to Afterpay’s “no payment upfront” feature, you may pay $0 on the day of your visit. Your first instalment will then be due 8–14 days later. This offer applies to eligible purchases of $500 or less.
Upfront payment required: If this feature isn’t available to you, your first instalment will be processed at the time of treatment. This restriction also applies if your treatment total exceeds $500, with approximately 25% of the total due upfront.
No additional fees or interest: If you make payments on time, Afterpay doesn't impose any fees or interest.
Late fees may apply: If payments are missed, late fees may be charged. These can usually be avoided by keeping your payment method up to date and paying on schedule.
If you're unsure whether your treatment qualifies for Afterpay or want help checking your limit, our team is happy to assist during your visit.
If you're unsure whether your treatment qualifies for Afterpay or want help checking your limit, our team is happy to assist during your visit.
Yes, Zip can be used to cover the cost of eligible emergency dental treatments. It offers flexible payment options, including interest-free and longer-term plans, which can help ease financial pressure during unexpected situations.
Approval depends on your Zip account and available limit. If you're attending an emergency appointment, let our team know you'd like to use Zip. We can then guide you through the process and confirm whether your treatment is eligible.
TLC helps eligible patients access funding for essential dental care through structured, personalised payment plans. It’s commonly used for treatments such as implants, veneers, orthodontics, and oral surgery. The service aims to reduce financial barriers by offering manageable repayment options without requiring upfront payment.
Here’s how it works:
Initial enquiry: Begin by submitting an online enquiry through the TLC website. This allows TLC to assess your details and recommend suitable funding options for your dental treatment.
Pre-approval and plan matching: If eligible, you’ll receive a tailored finance plan with terms based on your loan amount and financial profile. TLC matches you with a lender that aligns with your financial situation and treatment requirements.
Application and approval: After selecting your plan, you must submit a formal application. If approved, funding is arranged directly with your provider or released in line with your treatment plan.
Flexible repayments: You can choose weekly, biweekly, or monthly repayments depending on what works well for your situation. Repayments are structured, and interest may apply, depending on the lender.
Extra benefits: There are no upfront fees to apply, and applications are obligation-free. TLC funding may be available for a wide range of dental and medical treatments, including services for eligible family members.
Yes, approval is required before starting treatment with TLC. Your application must be reviewed and accepted by TLC’s lending partner to confirm your eligibility and funding amount.
Once approved, TLC will coordinate with your dental provider so treatment can begin in line with the agreed payment arrangement. This process helps confirm that your plan is in place before any costs are incurred. If you're considering TLC, we recommend starting your application early to avoid scheduling delays for dental care.
The right payment option depends on your treatment plan, overall cost, and preferred method of repayment management. Some services are more suitable for everyday dental visits, while others support more complex or higher-cost procedures. Here’s a guide to help you understand how each option works:
Afterpay is designed for general dental or cosmetic treatments with smaller upfront costs. It splits your total into four interest-free payments, made fortnightly. This option is suitable for check-ups, fillings, and services under $500.
Zip offers interest-free and longer-term plans, depending on your account type and treatment needs. It’s often used for moderately-involved procedures such as crowns, veneers, or aligners. You can pay in flexible instalments that match your financial situation.
MediPay supports a range of higher-cost dental treatments with structured loan options. Patients can apply online and select fortnightly or monthly repayments. It’s commonly used for procedures like implants, orthodontics, or full-mouth care.
TLC provides access to tailored finance plans for comprehensive or cosmetic treatments. Funding is based on your application and matched to a suitable lender. Many patients use TLC for veneers, oral surgery, or complete smile makeovers.
SuperCare allows eligible patients to access their superannuation early for essential dental treatment. It is often used for procedures such as implants, orthodontics, or surgery involving medical necessity. Applications are submitted through the Compassionate Release of Superannuation scheme.
Our team will help explain each service during your visit and recommend a payment method suited to your treatment, eligibility, and financial goals. We’re here to support your dental care in a way that feels clear, manageable, and respectful of your situation.
Our team will help explain each service during your visit and recommend a payment method suited to your treatment, eligibility, and financial goals. We’re here to support your dental care in a way that feels clear, manageable, and respectful of your situation.
