Frank Health Insurance Dentist in Sandgate

If you hold a Frank Health Insurance extras policy, you can use your dental benefits at Sandgate Family Dental. We are a HICAPS provider, which means we can process eligible claims at the practice on the day of your appointment — you only need to pay any gap that remains.

Frank is a member-owned brand backed by GMHBA. Their extras policies typically cover a portion of general and major dental treatment, subject to your level of cover, annual limits, and waiting periods. To check what your specific policy covers, the most reliable step is to contact Frank directly before booking, or ask us for an itemised treatment plan with item numbers that you can quote to your fund.

To get started, book online or call our team. We see patients from Sandgate, Brighton, Shorncliffe, Bracken Ridge, and the surrounding northern Brisbane suburbs.

Using your Frank cover at Sandgate

Claiming with Frank at our practice is straightforward:

Bring your Frank membership card (or have the digital card ready on your phone) to your appointment.
We swipe the card through HICAPS at the end of your visit and the eligible rebate is processed on the spot.
You pay any remaining gap directly to the practice.
No paper claims, no waiting for cheques. Anything not eligible — for example, because you have already reached an annual limit — will appear on your invoice as a gap amount.

If a HICAPS transaction is declined for any reason, we will give you an itemised receipt with item numbers so you can submit a manual claim to Frank yourself.

About preferred-provider arrangements

Sandgate Family Dental is a Smile.com.au preferred provider, and Frank policyholders can access the Smile.com.au benefit through our practice (see smile.com.au/health-funds/frank). The descriptions on this page are general claiming information. You can still claim eligible benefits at Sandgate Family Dental using HICAPS, whether or not we are a preferred provider for your fund. Your rebate will be paid at the rate set by your policy.

What dental treatment can typically be claimed on extras

The list below reflects the kinds of treatment commonly listed under Australian extras policies. It is general information only — what your specific Frank policy covers depends on the tier of cover you have chosen.

Check-ups, scale and clean, fluoride — usually under general or preventive dental
Fillings — typically under general dental
Tooth extractions — usually general or major dental depending on complexity
Root canal treatment, crowns, bridges, and dentures — typically major dental, often with longer waiting periods
Occlusal splints (nightguards) and custom sports mouthguards — usually general or major dental
Clear aligners and traditional orthodontics — usually under separate orthodontic cover with a lifetime limit
Dental implants — sometimes partially covered as major dental, often with their own annual or lifetime caps

Cosmetic-only treatments such as teeth whitening and many veneer cases are usually not covered by extras — for more detail see our page on cosmetic dentistry and health funds.

Why patients use their extras cover

Extras cover is most useful for the kinds of routine care that keep small problems small — six-monthly check-ups, hygiene appointments, and early fillings. Using your benefit each year, before annual limits reset, helps spread the cost of dentistry across the year and keeps you in a regular review pattern.

For larger treatments, even a partial rebate on items like a crown, root canal, or denture can take a meaningful amount off the out-of-pocket cost. We are always happy to provide a written quote with item numbers so you can confirm your benefit with Frank before agreeing to treatment.

What to expect at your first visit

If you are new to Sandgate Family Dental, your first appointment is usually a comprehensive examination and discussion. We will talk through any concerns, take any necessary X-rays, and explain options and likely costs in plain terms before any treatment is booked. New patients are welcome — see our first-visit information for what to bring.

Frank Health Insurance FAQs

Can I claim my Frank extras at Sandgate Family Dental?

Yes. We are a HICAPS provider, so eligible Frank extras claims can be processed at the practice. You only need to pay any gap that remains after your rebate is applied.

Are you a preferred provider for Frank?

Yes — Sandgate Family Dental is a Smile.com.au preferred provider, and Frank policyholders are eligible to access the Smile.com.au benefit at our practice (per smile.com.au/health-funds/frank). You can still use your extras cover at our practice — your rebate will be paid at the rate set by your individual policy.

How do I know what my rebate will be?

Your exact rebate depends on your policy, your level of cover, annual limits, and any waiting periods. The most reliable approach is to ask Frank to confirm your benefits for the specific item numbers we provide on your treatment plan.

Do I still have a gap to pay?

In most cases, yes. Extras policies usually pay a portion of the fee rather than the full amount. We are transparent about likely gap costs before treatment begins and are happy to discuss payment options for larger plans.

What if I have already used my annual dental limit?

If your dental limit for the year has been reached, HICAPS will decline the claim and the full fee will appear as a gap. We can often help you sequence non-urgent treatment across two benefit years so you make the most of your annual entitlements.

Do waiting periods apply to my Frank cover?

New extras policies usually have waiting periods, particularly for major dental items such as crowns, root canals, and orthodontics. Frank can confirm what waiting periods apply to your specific membership.

What if my HICAPS claim is declined?

We will give you an itemised receipt with item numbers. You can submit this directly to Frank for a manual reimbursement, and we are happy to help if you have any questions about the paperwork.

Related information

Book your appointment

If you are with Frank Health Insurance and looking for a dentist on Brisbane’s northside, our team would be happy to see you. Book an appointment online or phone the practice during business hours to arrange a visit. Have your Frank membership details handy and we will confirm what is covered and what, if anything, the gap is likely to be before we begin.