Waterways Dental

Financial Info

Payment Plans, Health Care Plans & Medicare CDBS

At Waterways Dental, we know payment and finance options need to be as flexible and customised as our treatments. That's why we're proud to offer a range of payment options to help you access treatments in ways that best suits you.

We have onsite EFTPOS facilities that accept direct debit, Visa, and MasterCard, and accept the following options:


With Afterpay you can purchase dental services that you want today, pay later. Interest-free and fee-free if you pay on time, pay in four equal installments.

Child Dental Benefits Schedule (CDBS) – free dentist visits for children up to $1,000

Under the Australian Government's Medicare CDBS scheme, children aged 2-17 years might be entitled to receive up to $1,000 worth of basic dental services over two years. Eligible services may include:

  • Teeth cleaning and fluoride treatments

  • Oral health dental check-ups

  • General treatments, i.e. fillings and extractions

  • Dental x-rays

Ask reception for more details. To discover if your child is eligible for free children's dental care under the Medicare CDBS, call Medicare on 132 011 or visit the Department of Human Services website.


Do you want to spread your payments for your dental care over several payments? With Openpay you can. Openpay is a flexible payment plan provider with no interest and easy repayments.

National Dental Plan

National Dental Plan (NDP), powered by Certegy Ezi-Pay, makes high-quality dental treatment more accessible. Start up to $12,000 in treatments today and spread the cost over easy to manage fortnightly payments with no interest.

Health Insurance Funds

At Waterways Dental we accept all dental health care plans. Bupa, Medibank, NIB, AHM, HIF, HCF, GMHBA – you name the acronym, if they are a registered health insurer we can claim healthcare payments for you on the spot. You'll only pay any applicable gap.

We are often asked if we have 'no gap' services, however dental insurance payments per service can vary greatly depending on your health fund, the type of cover you have, and your level of cover. So while we may have services that turn out to be no gap for some clients, they're not for others with different health funds – it's complicated! That's why we don't try to advertise claims of 'no gap' dental, as it's never one size fits all.

To better understand what dental services are covered under your health policy and what payment coverage they offer per service, get in contact with your health fund directly – your health fund may cover part or all of your dental requirements. Ask in reception if you need help decoding your health fund's coverage concerning any applicable dental service fees.

Early access to superannuation on compassionate grounds

In certain limited circumstances, you may be able to access your superannuation early to help fund medical or dental treatment. The ATO states you may be allowed to withdraw some of your super on compassionate grounds for unpaid emergency expenses. Ask our reception team for assistance in determining whether your circumstances may apply.

Looking for a dental payment option that you don't see listed on the page? Please contact the friendly Waterways Dental reception team.