Health cover for orthodontics

Bracing yourself for the costs that can come with getting aligners, retainers or braces? Well, Medibank Extras cover could give you something to smile about – by helping to ease the costs of orthodontic treatment.

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Does health insurance cover orthodontics?

Crooked, crowded or questionable teeth alignment – it might be time to visit the orthodontist.1 Fortunately, Medibank has orthodontic insurance covered, offering a range of Extras cover that will make you smile.

Orthodontics uses braces (metal or ceramic), retainers, bands, or clear aligners like Invisalign.1 With Medibank Extras cover that includes orthodontics, you could receive benefits for these treatments.@

Compare our Extras cover options for orthodontics

Benefits paid towards orthodontics depend on your level of cover, how long you’ve had it, and the treatment you need. View some of our Extras policies below or get in touch with us to find out more.

*Prices below are based on

This is used to calculate any Australian Government Rebate (AGR) you may be entitled to.If you’re unsure how to calculate your income, this ATO calculator can help.

We can help - Leave your details and a Medibank expert will contact you to help you find the right cover. In providing your telephone number, you consent to Medibank contacting you about health insurance.

My Choice Extras Family

from

Young Adult Discount applied

Young Adult Discount not available

Designed with expectant parents and families in mind, this extras cover includes the services to help you and your children thrive.

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Extras 60% claimback 

Covers Annual limits

General dental#

 $600 limit

Major dental#

 $700 limit

Orthodontics

 $400 opening balance. Top up of $200 per year, up to lifetime limit of $1,200
and more...
  
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Growing Family Extras

from

Young Adult Discount applied

Young Adult Discount not available

Extras cover for families, with some welcome support during the pregnancy journey.

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Extras 70% claimback 

Covers Annual limits

General dental#

 $1,000 limit

Major dental#

 $800 limit

Orthodontics

 $200 opening balance. Top up of $200 per year, up to limit
and more...
  
View details

Top Extras

from

Young Adult Discount applied

Young Adult Discount not available

One of our most comprehensive Extras covers with various claim back options to suit your budget.

View details

Extras 75% claimback 

Covers Annual limits

General dental#

 No annual limit

Major dental#

 $1,000 limit

Orthodontics

 $800 opening balance. Top up of $400 per year, up to limit
and more...  
View details

My Choice Extras Complete

from

Young Adult Discount applied

Young Adult Discount not available

Our most comprehensive level of Medibank My Choice Extras cover for complete peace of mind.

View details

Extras 90% claimback 

Covers Annual limits

General dental#

 No limit

Major dental#

 $1,200

Orthodontics

 $1,000 opening balance. Top up of $500 per year, up to lifetime limit of $3,000
and more...
  
View details

The amount you can claim back at Members’ Choice providers, up to annual limits. Fixed amounts apply at non-Members’ Choice providers, up to annual limits.

Claim 70% back on the costs of included treatments at Medibank Members' Choice providers, up to annual limits.                       

We've negotiated a capped price so you won't be charged more than the agreed price.

If your provider is not part of our Members' Choice network, we still pay benefits up to a fixed benefit, which may be less than the provider charges, but may help reduce your out-of-pocket expenses.

Claim 75% back on the costs of included treatments at Medibank Members' Choice providers, up to annual limits.                       

We've negotiated a capped price so you won't be charged more than the agreed price.

If your provider is not part of our Members' Choice network, we still pay benefits up to a fixed benefit, which may be less than the provider charges, but may help reduce your out-of-pocket expenses.

Explore more cover options

Why consider Medibank for orthodontics cover?

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Take advantage of our Members' Choice Advantage dental network

If you visit a provider from our large Members' Choice network, you'll generally get better value for money. At Members' Choice providers, you can take advantage of capped rates and receive a percentage of what you're charged back.%

Tooth icon

100% back on dental check ups twice a year on eligible extras=

Here’s something to smile about – Medibank members with eligible extras cover for two months or more get 100% back on up to two dental check-ups every year, including x-rays, at any Members’ Choice Advantage dentist.=

100% back on kids extras

Looking after your family can be costly, so we provide 100% back on extras for kids on Growing Family Extras covers, up to annual limits.†

Your body rewards you with endorphins. We do it with points.

Live Better is a health and wellbeing program inspiring, supporting and rewarding you to eat, move, and feel better, all while enjoying the things you do every day.

Medibank members with eligible Hospital or Extras cover could earn up to $400 a year in rewards* by redeeming the points earned for taking healthy actions.≈
 

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Frequently asked questions

What does dental insurance cover?
 

Maintaining a healthy, bright smile is important – and private health insurance can help you do just that! Here’s all about dental insurance, including what procedures it includes and what the waiting periods might be.
 

Read more

How to choose the best health insurance for your family's needs

Looking for the best health insurance for your family? Explore cover options, benefits and tips to find the right health plan for your loved ones. 


 

Read more

Is Extras cover worth it?
 

Extras cover can help with out-of-pocket costs for services like dental, physio, optical and orthodontics. But is it really worth the cost? We’ve outlined the key benefits and factors to consider when deciding if extras cover is the right choice for your health needs.

Read more
Things you should know

1 Royal Dental Hospital Melbourne; Orthodontics; retrieved June 2025. 

2 Health Direct; The role of an orthodontist; retrieved May 2025. 

3 Orthodontics Australia; How much do braces cost?; retrieved May 2025. 

† Waiting periods apply, including 12 months for some dental services. For Child Dependants (up to 21 years) and eligible Student Dependants (up to 31 years). Members' Choice providers not available in all areas.

% Providers are subject to change without notice and are not available in all areas. To access capped prices at a Members' Choice network provider, swipe your Medibank Membership card. Please check if your provider is part of our network ahead of your appointment at medibank.com.au/findaprovider. To find the capped price for a specific item number at your provider, call us on 132 331.

# Medibank has Members' Choice providers for these services only. By choosing a Members' Choice provider you are guaranteed to receive the percentage back shown on the cover. 

= Eligible members on Medibank extras (excluding Healthy Living Extras and Gold Ultra Health) can claim a maximum of two 100% back dental check-ups per member, per year at a Members’ Choice Advantage provider (including bitewing x-rays where clinically required). For members on eligible extras, the first two check-ups do not count towards your annual limit. Members with Healthy Living Extras can get 100% back on one dental check-up each year at a Members’ Choice Advantage provider (including up to two bitewing x-rays, where clinically required) or at a Members’ Choice provider (excluding x-rays). Members with Gold Ultra Health can get 100% back on up to three dental check-ups at a Members’ Choice or Members’ Choice Advantage provider. Members’ Choice and Members’ Choice Advantage providers are not available in all areas. Two month waiting period applies. Some products may have other dental benefits, check your cover summary for details.

@ Benefits will only be paid towards dental and orthodontic treatments that are administered in person (not via phone or online), by a recognised provider. Waiting periods, annual limits and lifetime limits apply.

≈ Must be 16 years or over to register for Medibank Live Better rewards. Must be a Medibank member with hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better rewards with My Medibank to earn Live Better points for eligible purchases and redeem rewards. Excludes Overseas Student Health Cover (OSHC), Ambulance only cover, ahm covers and other selected covers. Live Better Management Pty Ltd, ACN 003 457 289 has entered into commercial arrangements with Medibank Live Better rewards program partners and may receive commissions. Additional terms and conditions may apply to points earning activities and rewards. Points earning activities and rewards are subject to change and may be subject to availability. Wherever possible, we will give you notice of these changes. Some program partners and earning activities require a person to be at least 18 years of age to be eligible to earn and/or redeem a reward. See full Medibank Live Better rewards terms.

* Live Better rewards members could earn up to 40,000 Live Better rewards points each calendar year for successfully completing select Live Better rewards points-earning activities. These activities include, but are not limited to, health and wellbeing challenges, the Weekly Goal, onboarding actions, partner activity earn and the daily auto-tracking bonus. This does not include points earned by shopping with Live Better rewards partners or visiting Members' Choice Advantage providers. 40,000 Live Better points could be redeemed for up to $400 worth of rewards from the Live Better rewards store.

Medibank Live Better Challenges & Goals Earning Policy: The participant of a Medibank Live Better Challenge or Goal may not receive Live Better points or may have their already credited Live Better points reversed in accordance with the Medibank Live Better terms and conditions. To earn Live Better points, the participant needs to complete 100% of the eligible Challenge according to the instructions. The number of Live Better points available for Medibank Live Better Challenges and Goals is subject to change without prior notice. To the extent of any inconsistency between this Policy and the Medibank Live Better rewards terms and conditions, the terms and conditions will take precedence.