Payment options Claim on the spot. Pay only the gap.

Yes. Afterpay is accepted at Sandgate Family Dental in Sandgate for everyday appointments such as a check-up and clean, fillings or a hygiene visit. You set the plan up with Afterpay directly, and we process it at reception at the end of your appointment. If you have private health cover we run the HICAPS claim first, so any plan only covers the remaining gap.

The buy now, pay later services we accept — Afterpay, Humm and Zip — are provided by those companies rather than by the practice. Their standard plans don’t charge interest when repayments are made on time, but late fees, account fees or interest can apply on some plans. Check the provider’s terms before you sign up. For larger treatment we also stage the work across several appointments at no extra cost, which spreads the fee over time without any finance product at all.

Yes. Both Zip Pay and Zip Money are accepted at the practice. As with Afterpay and Humm, you arrange the account with Zip and we process the payment at reception. Bring your fund card too — we claim any private health rebate through HICAPS on the spot first, so you are only funding the gap.

Yes. For treatment such as a crown, implants, dentures or clear aligners we prepare a written, itemised plan that breaks the work into stages. That lets you pay as each stage is completed, and where it makes clinical sense, use more than one calendar year of your health fund limits. We will also tell you plainly what is essential now and what can safely wait.

Yes — payment is taken at the end of each appointment. If you have HICAPS-eligible cover, only the gap is payable on the day.

For routine items we can give a guide on the phone. For anything more involved, we prepare an itemised written quote at a planning appointment so you can check rebates with your fund.

That is completely fine — most of our patients have a mix of insured and uninsured visits over the years. You pay the standard practice fee.

Yes. We give you an itemised receipt with item numbers that you can submit to your fund yourself, online or through their app.

Yes. For everyday visits we accept Afterpay, Humm and Zip. For larger treatment we also stage the work across appointments and can talk through the buy-now-pay-later and third-party finance options available in Australia — with no obligation to take one up.

No. We don’t add a surcharge when you pay by card.

We bulk-bill eligible children under the CDBS. For DVA Gold and White card holders, we process the claim with DVA for eligible treatment. Other adult treatment is private-fee.