RT Health members get 100% back* on a range of services each calendar year. Here’s a snapshot of what you can get from a More for Teeth provider every year.

• Two dental check-ups
• Two scale and cleans 
• One fluoride treatment
• One mouthguard
• X-rays. Intraoral periapical or bitewing radiograph 4 per day (up to a maximum of 20 each year)
• Panoramic x-rays. Up to 3 services in a 5-year period (your 5-year period starts on the day of your first claim).

About providers

Can I visit any dental provider?

Yes. We know it’s often hard to find a dentist. You can visit any provider RT Health recognises. But if they aren’t part of our More for Teeth program, it’s unlikely you’ll get 100% back on the services covered by the program.

If I go to a participating provider, will I get 100% back on no-gap preventative dental services under my annual limits?

Yes, if your cover has an annual limit for that service, it will. While you’ll have no gap to pay, the benefit amount for the service will be deducted from your annual limit. Once you’ve used all your annual limit, you won’t be able to claim any benefits for that service category in that calendar year.

How much can I get back if I’m seeing a provider who isn’t a participating More for Teeth program provider?

It depends on how much your provider charges for that service. You’ll find information about your annual limits (how much you can claim back) in your RT Health Cover Guide. Anything above your benefit amount will be an out-of-pocket expense for you. If the charge for your service is less than the benefit amount, you’ll only get the amount charged back.

Can RT Health members visit HCF dental centres?

Yes. The HCF Dental centres participate in our More for Teeth programs.

Claiming, out-of-pockets, benefits and limits

What’s the difference between a benefit and an annual limit?

A benefit is the amount your cover allows you to claim back for each service a provider delivers. The benefit amount depends on your level of extras cover and each service is subject to a maximum amount known as an ‘annual limit’ that you can claim every year. Once you reach your annual limit for that extras service, you can’t claim any more benefit amounts for that calendar year. Some services don't have an annual limit and instead accrue over time. You can find more info in your RT Health Cover Guide.

When do waiting periods apply?

Waiting periods apply when you:

• join RT Health
• rejoin after a break in cover
• upgrade your cover

I’ve recently switched to RT Health. What can I claim?

If you’ve switched from another health fund, you may not need to serve waiting periods, if:

• your RT Health cover includes the same level of benefits and services as your previous cover; and
• you’ve served the equivalent waiting periods with your previous fund.

Unfortunately, when you switch funds, you can’t transfer over any loyalty rewards, including increased limits. If you joined RT Health on a special offer, some waiting periods may be waived. Get in touch with us to check which waiting periods may apply. 

Does everyone on my policy have their own annual limit?

This depends on your level of cover. To find out what your annual limit looks like, take a look at your RT Health Cover Guide.

How do I claim on extras services?

The easiest way to claim is by using your RT Health membership card when visiting a recognised provider. You can also claim through our mobile claiming app. You can read more about how to submit your claims here. 

Important information

* 100% back/no-gap at More for Teeth providers is available to members with RT Health extras cover. Waiting periods and annual limits apply. Providers are subject to change. We recommend that you confirm your chosen provider is part of More for Teeth prior to your appointment.