My Family Dental Fees & Payment
Dental Payment Plans & Health Funds
We keep dental care within reach across North Queensland — claim your health fund on the spot, bulk bill the CDBS for eligible kids, and spread the cost with interest-free plans.
Cost shouldn’t be the reason you put off dental care. At My Family Dental we offer flexible payment options through trusted finance partners, alongside health-fund cover and government schemes, so you can get the treatment you need when you need it — not months later.
Whether you’re a family in Townsville’s Bohle Plains and Kirwan, a cane farmer near Ingham, or a worker passing through Emerald, the same options are available at every one of our six North Queensland clinics.
Claim On the Spot
Health Funds & HICAPS
If you have private health extras cover, bring your fund card to your appointment. We process your claim instantly through HICAPS, so you only pay the gap on the day rather than paying in full and claiming back later.
Health funds we accept include
Cover varies between funds and policies — check your extras, and we’ll process any eligible rebate for you.
Kids: Bulk Billed Under the CDBS
Eligible children aged 2–17 can access up to around $1,000 in dental benefits over two calendar years through the Child Dental Benefits Schedule. We bulk bill it — so eligible check-ups, cleans, x-rays and fillings can be at no out-of-pocket cost within the cap. We’ll confirm eligibility at the front desk.
Spread the Cost
Interest-Free Payment Options
For treatments you’d rather pay off over time, we work with these finance partners. Approval is quick, and there’s no interest or fees provided you pay on time.
Afterpay
- 4 equal instalments, every 2 weeks
- No interest or fees if you pay on time
- Available up to $1,500
- Requires a valid debit or credit card
ZipPay
- Interest-free payments up to $1,000
- Starting at $10 a week
- No upfront payments
- Available between $250 and $1,000, for Australian residents over 18
humm
- Interest-free instalments
- Pay weekly, fortnightly or monthly
- Requires regular income and proof of identity
- Subject to credit assessment
Larger treatment plans — such as implants, All-on-4 or orthodontics — can exceed these limits, so we’ll arrange other flexible payment options to suit. Just ask our team.
Common Questions
Frequently Asked Questions
Afterpay and ZipPay are available for most treatments within their limits. Because those limits are relatively low, larger treatment plans — such as implants, All-on-4 or orthodontics — are handled with other flexible payment arrangements. Ask our team and we’ll walk you through the option that fits your treatment and budget.
With Afterpay and ZipPay there are no fees or interest as long as you pay on time; late fees may apply if a payment is missed. humm offers interest-free instalments subject to a credit assessment. We’ll always give you a clear, written quote first so you know the total before you choose how to pay.
If you have private health extras cover, bring your fund card to your appointment and we’ll process your claim on the spot through HICAPS. That means you only pay the gap on the day, rather than paying in full and claiming back later.
Eligible children aged 2 to 17 can access the Child Dental Benefits Schedule (up to around $1,000 over two calendar years). We bulk bill the CDBS, so eligible care can be at no out-of-pocket cost within the cap. We’ll confirm eligibility at the front desk.
Important: Payment plans are provided by third-party finance partners and are subject to their eligibility criteria, terms and approval — My Family Dental does not provide credit. Health-fund rebates depend on your policy. Always read the provider’s terms before entering an agreement.
Let’s Sort Out the Right Option for You
Book a visit at your nearest My Family Dental clinic — we’ll talk through your options and what it costs.