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Money you can get back · Sunbury VIC 3429
Super, rebates and what you can get back on dental implants
There is often money you can get back or put towards dental implants. In limited cases the ATO may approve early release of your super; a health fund rebate can cover part of the cost if you hold extras; Medicare generally will not; and pensioner and concession options are worth checking. Here is where you stand.
Last reviewed: July 2026 · General information only, not financial advice
01 Your super02 Rebates & Medicare03 Common questions04 Talk it through
Which of these might apply to you
Most people lean on one route, some combine a couple, and plenty find none apply — which is completely fine. Here is a plain look at each, so you know where to start before you come in.
01
Superannuation
In some cases the ATO can approve early release of super on compassionate grounds. Whether any dental treatment qualifies is decided case by case.
02
Health fund
If you hold extras cover with major dental, your fund may rebate part of the cost. How much depends on your policy.
03
Medicare
Medicare generally does not cover implants for adults, but it still helps to know exactly where you stand.
04
Pension & concession
A concession or DVA card can open the door to public dental, though implants usually sit just outside what it funds.
Superannuation
Some people can access their super early
For a small number of people, super is money that can be reached before retirement. The ATO can approve early release on compassionate grounds, which in limited cases may extend to dental treatment — whether any implant work qualifies is decided by the ATO, case by case, and it is never automatic. Any funds approved are released to you rather than to us, and you then settle your treatment yourself. Released super is generally taxed and it permanently lowers your retirement savings, so it deserves careful thought. This is general information only, not financial advice.
Check the current criteria with the ATO, and we strongly recommend speaking with an independent financial adviser before you rely on early release.
- Early release is decided by the ATO, case by case — never guaranteed, quick or routine.
- The money is paid to you, never to the clinic — the ATO does not pay us directly.
- Released super is generally taxed and lowers what you keep for retirement.
- There is no set figure — whether any can be released is worked out through the ATO, never in advance.
- A service like Super for Health can prepare and lodge an application for a fee, but cannot decide your eligibility — only the ATO can.
The other routes
More ways to claim it back
Health fund rebate
For anyone with private extras cover. If your policy includes major dental, some of the implant fee may come back to you as a rebate. How much depends entirely on your own cover, so bring your fund details to your assessment and we will check them against your plan. The health-fund guide walks through the detail.
Medicare
For knowing exactly where you stand. Medicare generally does not cover dental implants for adults, and routine adult dental sits outside it too. There are a few narrow exceptions, so it is worth confirming your own position. The Medicare guide sets out the full picture.
Pensioners and concession cards
For Pensioner, Health Care or DVA card holders. A concession card may make you eligible for public dental care in Victoria, but implants are treated as elective and are generally not funded there, and waiting lists can run for many months. There is no automatic concession discount on implants — a clear written quote and a realistic way to pay tends to be what helps most.
A note on treatment and cost. An implant is placed surgically and carries risks including infection, nerve involvement and, in some cases, implant failure, and whether an implant suits you is always confirmed at an individual assessment. None of these routes changes the price of treatment itself — for what implants actually cost before any rebate, see our price guide.
Rebate and super questions, answered
Can I use my superannuation to pay for implants?
Sometimes. The ATO can approve early release of super on compassionate grounds, which may extend to dental treatment in limited cases — the ATO decides, case by case. Any funds approved go to you rather than to the clinic, and are generally taxed. Because this is general information only, we strongly recommend independent financial advice first. How early release works →
How much will my health fund pay back?
It depends entirely on your own policy — your level of extras cover, your remaining annual limit and any waiting periods. A rebate usually reduces the cost rather than clearing it. Bring your membership details to your assessment so it can be checked against your plan. How extras cover applies →
Does Medicare cover dental implants?
Generally no. Medicare does not cover dental implants for adults, and routine adult dental sits outside it too. If you hold a concession or DVA card, it is worth checking your own entitlements with Services Australia. What Medicare does and does not cover →
Is there a pensioner discount on implants?
There is no automatic discount. A concession card can open the door to public dental care, but implants are usually treated as elective and are not funded through it, and waiting lists can be long. A clear written quote and a realistic way to pay is usually what makes treatment possible. Options for concession card holders →
What if I would rather just spread the cost instead of claiming money back?
That is a different path, and a good one for many people. Spreading the cost is about financing the treatment rather than recovering money you already have. Our payment plans page covers the options, including humm, TLC, Afterpay and Super for Health.
Do I need to work all this out before I book?
No. A good first step is an assessment — implant suitability is always confirmed individually — and from there we can help you work out which of these routes, if any, apply to your situation, without judgement.
Not sure what you can claim?
That is exactly what a first visit is for. We will look at your situation and talk you through the options, plainly and without pressure. Bring your fund and card details, and you leave with a written quote and a clear picture of what you may get back.
Reviewed by the Sunbury Dental Implants clinical team — AHPRA registered dentists. This page is general information only, not financial advice; for your own circumstances, please check with the ATO, your health fund or an independent adviser.