If you’ve been looking into accessing super for dental work, you're not alone. Many Australians are turning to their superannuation funds to help cover major dental treatments - particularly life-changing procedures like All-on-4® dental implants.
This innovative treatment offers a fixed solution for ill-fitting dentures and missing or damaged teeth, but they can come with a significant cost. That’s when accessing super for dental procedures becomes an option worth exploring.
Patients often ask, “Can I use my super for dental implants?” The short answer is yes - provided your case meets the criteria laid out by the ATO and your super fund. It’s a popular route for people who need full-mouth restorations but may not have the funds readily available.
The process of accessing super for dental treatments involves applying under the Compassionate Release of Superannuation (CRS) scheme. This government-regulated pathway allows early access to your super if you’re experiencing severe dental issues that affect your quality of life and if the procedure isn’t covered by the public health system or insurance.
To be eligible, you typically need:
All-on-4® dental implants are a long-lasting alternative to dentures or terminal teeth, which can offer improved comfort, function, and confidence. However, because this procedure can typically cost between $20,000 and $36,000 per arch, many patients explore options like using super for dental implants to finance the treatment, in full or for part of the treatment costs.
It's important to note that applying for access to your super for dental work should be done through an experienced provider and you should seek financial advice. The application must be lodged through the ATO, and approval from your super fund is also necessary.
All-on-4® costs are based on the standard application of the All-on-4® treatment concept, other fees may apply if a patient requires additional implants or other related dental treatment to support their individual needs.
*Prices are for single arches (1 Arch = Upper or Lower Jaw)
*fees don’t include General Anaesthetist fee (if required) which is paid directly to the Anaesthetist. Day facility fee not included (if required).
Investment*
Implant retained removable dentures.
(Known as “Snap on” or “Clip on” dentures)
From $12,000
From $94.12
Silver
All-on-4®
All-on-4® cost includes surgery and 3D printed provisional teeth. Upgrade to final teeth separate.
From $20,900
From $159.50
Malo Protocol
Gold Standard
(98% success rate)
Gold
All-on-4®
All-inclusive All-on-4® cost including surgery and 2 sets of teeth; provisional set and final set with medical grade titanium reinforcement
From $27,000
From $204.54
Platinum
All-on-4®
All-inclusive All-on-4® cost including surgery and 2 sets of teeth; provisional set and final zirconia set with medical grade titanium reinforcement
From $36,000
From $270.64
All-on-4® costs are based on the standard application of the All-on-4® treatment concept, other fees may apply if a patient requires additional implants or other related dental treatment to support their individual needs.
*Prices are for single arches (1 Arch = Upper or Lower Jaw)
*fees don’t include General Anaesthetist fee (if required) which is paid directly to the Anaesthetist. Day facility fee not included (if required).
Choosing to explore using super for dental implants like All-on-4® can:
Accessing super for dental procedures gives patients flexibility and peace of mind. After all, your smile and health shouldn’t have to wait. The benefits of being able to access this funding option can be life-changing - especially for those dealing with severe dental health issues that is impacting their quality of life.
Beyond accessing superannuation, some clinics also offer All-on-4® Payment Plans options. This can be a valuable supplement if your super fund doesn’t cover the full cost.
Book your FREE consultation today or call to discuss All-on-4® dental implants today!
