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Making it affordable · Sunbury VIC 3429
How Sunbury locals actually pay for dental implants
Almost nobody pays in one lump sum. Most people here use one route, or a mix of four: a payment plan that spreads the cost into regular repayments, a health fund rebate if you hold extras cover, early release of super where you meet the ATO’s strict criteria, or staged treatment that spreads the work over time. Here is exactly how each one works.
Last reviewed: July 2026 · General information only, not financial advice
01 Payment plans02 Your super03 Health fund & more04 Talk it through
Four ways in, one honest conversation
None of these is better than the others — the right one depends on your situation, and we will only ever point you to a route that genuinely fits. Here is the shape of each.
01
Payment plan
Spread a fair, published price into regular repayments through an approved provider.
02
Superannuation
Early release on compassionate grounds may be possible where you meet the ATO’s criteria.
03
Health fund rebate
If you hold extras cover with dental, your fund may rebate part of the cost.
Spread the cost
Payment plans, in plain English
We work with three established providers, so there is usually a way to spread the cost. Each works a little differently and none is right for everyone. Fees, interest and terms are set by the provider and shown to you before you commit — nothing hidden.
Buy now, pay later
- Apply through humm at the clinic.
- If approved, humm pays us and you repay in scheduled instalments.
- Manage everything in the humm app.
A credit product, so an application and credit check apply and approval is not guaranteed. Whether a plan is interest-free or interest-bearing, and any fees, are set by humm under its terms.
Treatment loan
- Apply to TLC (Total Lifestyle Credit).
- If approved, TLC funds your treatment.
- Repay in regular repayments over an agreed term.
Interest-bearing. The rate, fees and term are set by TLC and personalised to your application under its lending criteria.
Buy now, pay later
- Choose Afterpay at payment.
- Pay in equal instalments over several weeks.
- Interest-free when you pay on time.
Limits are set by Afterpay and assessed per purchase, so it may suit a deposit or a smaller amount rather than a full treatment cost. Late fees may apply if a payment is missed.
Whichever option you choose, it simply spreads the cost of a fair, published price into manageable repayments. This is general information, not financial advice, so read the provider’s own terms and, if you are unsure, get independent financial advice.
Yes, some people can use their super
In limited circumstances the ATO allows early release of superannuation on compassionate grounds to help pay for essential dental treatment. It is individual, decided by the ATO, and never automatic. This is general information, not financial advice.
Check the current criteria with the ATO and consider speaking with an independent financial adviser before you rely on it.
- It is for genuine need and decided by the ATO case by case against strict criteria — never guaranteed.
- Any super released is taxed and permanently reduces your retirement savings.
- The money is released to you, then you pay the clinic — the ATO never pays us directly.
- A service like Super for Health can prepare and lodge your application for a fee, but does not decide your eligibility.
The other routes
More ways to make it work
Health fund rebate
If you hold extras cover that includes dental, your fund may rebate part of an implant. How much depends on your policy, annual limits and waiting periods. Bring your fund details to the assessment.
Medicare
Medicare generally does not cover dental implants for adults, with only narrow exceptions. It is worth knowing where you stand before you plan.
Pensioners & concession cards
Public dental rarely funds implants, but payment plans, staged treatment and, in some cases, super can still make treatment realistic — talked through without judgement.
Staged treatment
Replace what matters most first and plan the rest at your pace, so treatment fits your budget rather than the other way around.
A word on affordability claims.We do not run “was/now” pricing, discounts or urgency offers. Our ranges are published and dated on the price guide, and the pathways above exist to make a fair price manageable — not to make an inflated one look like a bargain.
Payment questions, answered
Does Medicare cover dental implants?
Generally no. Medicare does not cover implants for adults in most cases. If you hold private extras cover with dental, your fund may rebate part of the cost — bring your details to the assessment and we will help you understand what you can claim.
Are there payment options for pensioners?
Yes. Payment plans, staged treatment and, where you hold it, a health fund rebate are all available regardless of income. We will talk through what is realistic for you at the free assessment, without judgement.
Can I really use my super for implants?
Sometimes, under the ATO’s compassionate-grounds early-release criteria. It is decided by the ATO, not by us, it is never guaranteed, and released super is taxed and reduces your retirement savings. Treat this page as general information and get independent financial advice before applying. Read the full guide →
What does the written quote include?
Every item — implant, placement, abutment, crown, follow-ups — with anything “sometimes needed” (extraction, grafting, sedation) listed and priced separately upfront. See what is included →
Not sure what you can afford?
Bring your situation to a free assessment. You leave with a written quote and a realistic plan for paying for it — no pressure to proceed.