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How do orthodontic benefits work?
On most Medibank covers (check your cover summary), your orthodontic entitlement starts with an opening balance, which you can access once your 12 month waiting period is served. The balance is then topped up with an additional amount each 1 January (following the completion of your waiting period) up to a maximum lifetime limit.
The benefit you can claim (after waiting period) = Opening Balance + Any top ups - Any benefits ever claimed.
Benefits will only be paid towards dental and orthodontic treatments that are administered in person (not via phone or online), by a recognised provider.
| Dates | What you get towards orthodontics each year |
Your available balance if no claim has been made |
| Date joined - 30 Jun 2011 | $1,000 opening balance | X |
| Waiting period ends - 30 Jun 2012 | X | $1,000 |
| 1 Jan 2013 | $500 (top up) |
$1,500 |
| 1 Jan 2014 | $500 (top up) |
$2,000 |
| 1 Jan 2015 | $500 (top up) |
$2,500 |
| 1 Jan 2016 | $500 (top up) |
$3,000 (lifetime limit) |
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