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Comprehensive Dental Care at Minimal Out-of-Pocket Expense
FAQs About the Teachers Union Health Fund
How do I use my Teachers Union Health Fund at your clinic?
Using your Teachers Union Health Fund at our clinic is simple. If you’re a TUH member, you can claim benefits on eligible dental services during your visit. Here’s how the process works:
- Book Your Appointment:
Let us know you’re a TUH member when scheduling so we can prepare for your visit accordingly. - Bring Your TUH Card:
Present your physical or digital membership card on the day of your appointment for easy processing. - Attend Your Appointment:
Receive dental care tailored to your needs, whether it’s a routine check-up or a specific service. - Claim On the Spot:
We use HICAPS to process your TUH claim instantly at the time of payment. - Settle Any Remaining Fee:
If there’s an out-of-pocket amount not covered by TUH, you’ll only pay the difference on the day.
What dental services are covered under my TUH membership?
Your TUH membership may include cover for a wide range of dental services, depending on your plan. While benefits vary, here’s an overview of the types of services that may be included:
- Preventive and General Care:
This may include routine check-ups, scale and cleans, fluoride treatments, dental x-rays, and custom-fitted mouthguards. These services are designed to maintain good oral health and prevent more serious dental issues from developing. - Restorative Treatments:
TUH may contribute to procedures like fillings, gum care, and other treatments that restore the function and health of your teeth and gums. - Major Dental Procedures:
Depending on your level of cover, treatments like crowns, bridges, dentures, root canal therapy, and dental implants may be included. These treatments usually involve higher benefit limits or waiting periods. - Orthodontic Treatment:
If covered under your policy, you may be eligible for benefits towards orthodontic care, such as braces. Annual limits and specific claiming requirements may apply.
Can I claim preventative treatments like cleanings and check-ups?
Yes, depending on your level of cover, you may be able to claim preventive treatments like check-ups and cleanings through your TUH membership. These services are commonly included to support the early detection and prevention of oral disease. Some TUH plans offer fully covered preventive dentistry visits, while others may contribute up to a yearly limit.
To confirm what applies to your membership, check with TUH or speak with our team before your appointment.
Do I need to bring any documents to make a claim?
Accessing your TUH benefits at our clinic is quick and convenient when you bring your card to your appointment. We offer on-the-spot claiming through HICAPS, so there’s no need to submit paperwork yourself. Here’s how it works during your appointment:
- Bring your physical or digital TUH membership card to your appointment.
- Let our reception team know you’d like to claim through TUH.
- We’ll process the claim instantly using HICAPS.
- Pay any remaining balance not covered by your fund on the day.
If you don’t have your TUH card with you, you can still claim later by submitting your receipt directly to TUH. We’ll provide a detailed invoice with all the information you need. Here’s what to do:
- Pay the full treatment amount at the time of your visit.
- Request an itemised receipt from our team.
- Submit your claim to TUH via their app, member portal, or by email.
- TUH will reimburse you directly, depending on your level of cover.
Are there out-of-pocket costs for TUH members?
Out-of-pocket costs for TUH members can vary depending on several factors. While some preventive services may be fully covered, other treatments may require a gap payment. Here are the main factors that determine how much you might pay on the day:
- Your Level of Cover:
TUH offers a range of policies, and the amount covered for each service depends on which plan you hold. - Type of Treatment:
Routine services like check-ups and cleans may be fully covered on some plans. Meanwhile, treatments like fillings, crowns, or orthodontics may incur additional costs. - Annual Limits and Benefit Caps:
Some TUH plans include yearly benefit limits, which can affect whether a service is fully or partially covered. - Waiting Periods:
Certain services may be subject to waiting periods before you can claim, especially for major dental or orthodontic treatment. - Fee Structure of the Clinic:
Your out-of-pocket cost can also depend on the individual fees charged for each service.
What happens if my treatment exceeds my annual benefit limit?
If your treatment exceeds your annual benefit limit, TUH will no longer contribute towards that category of service for the remainder of the calendar year. Any additional costs will need to be paid out of pocket. Here’s what you can do if you’re approaching or have exceeded your limit:
- Check Your Remaining Limits:
Log in to your TUH member portal or app to view your current benefit usage before booking treatment. - Discuss Options with the Clinic:
Our team can outline your treatment plan and help you prioritise services based on what’s still claimable. - Plan Around Reset Dates:
TUH benefit limits reset each calendar year, so you may choose to schedule certain services after the new year if clinically appropriate. - Confirm Costs in Advance:
Ask for an estimate so you know exactly what to expect if a gap payment is required.