1. Ask for an itemised quotation
Request the proposed treatment, provider details and billing codes from the dental practice. If several providers are involved, ask whether their charges are included or billed separately.
2. Check the benefit and approval requirements
Ask your scheme which benefit, if any, applies to the proposed treatment and whether a referral, motivation or pre-authorisation is needed. Do not assume that a procedure is covered simply because it takes place in hospital.
3. Clarify your likely contribution
Ask for written confirmation of applicable limits, provider requirements and potential shortfalls. Discuss any remaining amount with the practice. A funding estimate can change if the actual treatment or charges differ.
Keep the quotation and scheme response together. If a claim is rejected, ask for the reason before deciding on the next step. Medical Aid Hub can assist with administrative follow-up; clinical treatment choices remain between you and your treating professional.
Sources and further reading
General information. Your scheme rules and individual circumstances matter. Contact your scheme or an appropriately qualified adviser for a decision about your situation.