The facts of using a ‘Preferred Provider’ as your dentist safetydent
The fact of using a ‘Preferred Provider’ as your dentist
The facts of using a ‘Preferred Provider’ as your dentist
The following information is taken from the Australian Dental Association website www.ada.org.au
These days most people can choose which dentists will provide their dental care. However, some health funds are attempting to force their members to see the health funds’ dentist of choice. Some funds call these dentists ‘preferred providers’ or ‘participating providers’. They are contractually bound to that health fund. The Australian Dental Association (ADA) believes that maintaining patient choice is a crucial element to providing high standards of dental care. That’s why the ADA believes you should be fully informed about all the implications that contracted dentistry will have on the dental care for you and your family. To help you understand this issue we have developed this brochure to answer some of the questions that you might have about retaining the right of patient choice of who delivers your dental care. After all, this is one of the key reasons for having private health.
Q1. Why is it important that I can choose the dentist who will provide my care? safetydent
You need to be comfortable in talking and being treated by your dentist of your choice. You need to be comfortable in the fact that your dentist is recommending the best treatment for you. Continuity of care is very important in dental care delivery. Your dental health care will be more effective if you maintain your relationship with your dentist, rather than having your choice of dentist dictated to you by your health fund.
Q2. What exactly is a contracted dentist? safetydent
Contracted dentists have agreed to provide dental treatment at an agreed fee with the health fund. The health funds advertise “no out of pocket expenses’ or “reduced out of pocket expenses” – BUT only if you see one of their dentists.
Q3. Why don’t health funds just increase the dental rebate? safetydent
This is a very good question and you should ask your health fund this question. One health fund has not increased dental rebates across the board since 1994. Many funds do not increase dental rebates annually. Private health funds in Australia have made in excess of $7.2 billion surplus (profit) in general treatment cover in the last 10 years which has not been returned to contributors as increased rebates. It is now $3billion surplus in just the last 3 years.
Q4. How are health funds influencing my right to choose my dentist of choice? safetydent
Health funds have openly and aggressively campaigned to get dentists to “sign up” to their contracted provider arrangements. Health funds are openly promoting to patients that they should see a health fund contracted dentist. Some health funds are offering a higher dental rebate for each item of service if the procedure is performed by a contracted dentist. Some health funds have even bought their own dental surgeries and employ their own dentists.
Q5. Is this fair? safetydent
The Australian Dental Association thinks this very unfair. After all, if contributors pay the same health fund premiums, then all contributors should get the same rebates. If you get a lesser rebate you should pay a lesser premium….
Q6. What if I need to see a specialist dentist? Are there any contracted specialists? safetydent
There are very few contracted specialists, and some of these are not members of ADA. This means they fall outside our area of investigation. Some dentists work for corporations who make the commercial decisions for them and they are then contracted to a health fund in this way.
Q7. Why isn’t my dentist a “preferred practitioner”? safetydent
The “preferred practitioners” are not actually preferred because of dental ability but because they meet the fee criteria set by the health funds and have agreed to be contractually bound to the health fund.
Q8. My health fund says my dentist is too expensive and my gap will be too high and says I should see a contracted dentist. What should I do? safetydent
ADA National fee surveys show that dentists’ fees over the 17 year period from 1996-2012 have increased on average by less than 5% annually.
You should ask what your health fund average premium increases have been over the same period.
The Federal Government has been subsidising health fund premiums by 30%. Whilst this has recently been reviewed there is still substantial subsidy on offer.
You should ask how much your health fund’s dental rebates have gone up over the same period.
The lack of increased dental rebates explains the increasing gap between fee and rebate. This has not been caused by your dentist
Q9. If the health funds do not permit the dentists who are contracted to them to increase their fees in line with practice cost increases, is there a risk that the quality of dental care may suffer? safetydent
The ADA believes this may cause “tiered’ levels of care. Preferred contracted provider schemes have not been successful anywhere else in the world. If you pay the full premium you deserve the best care and the same rebate as any other contributor regardless of which dentist you choose to see.
Q10. What can I do about this contracted dentists’ issue? safetydent
You should send a letter of complaint to the manager of your health fund if you are not happy. You have a right to expect the dentist of your choice will provide the service you need and you will receive the same rebate as other policyholders without discrimination. There are funds which do not have preferred provider contracts. Talk to your dentist about transferring your membership at no penalty to you. Further obligation free advice on health funds is available at on the ADA web site www.ada.org.au