Dental Gap Fee Calculator
Estimate your out-of-pocket gap on a dental treatment in Australia after your health fund rebate. Enter the rebate from your fund to see what you’ll actually pay.
Check your fund’s app or call, extras cover varies a lot by item and annual limit.
Without extras cover (or once your annual limit is used up) you pay the dentist’s full fee. Many funds also cap how much they’ll pay per item each year.
- ✓Ask for the item numbers so your fund can quote the rebate
- ✓Check your annual extras limit hasn’t been used up
How we estimate this
Your dental gap is simply the dentist’s fee minus whatever your health fund pays back. The fund rebate depends on your level of extras cover, the specific item number, and how much of your annual limit you’ve already used.
Pricing reviewed: June 2026.
Are you a dental clinic?
Put this calculator on your own website, branded to you, visitors get an instant estimate, you get a qualified enquiry with their details.
Understanding dental gap fees in Australia
Your dental gap is simply the dentist’s fee minus whatever your health fund pays back. The fund rebate depends on your level of extras cover, the specific item number, and how much of your annual limit you’ve already used.
Major work like crowns, root canals and implants carries the biggest gaps because fund rebates are capped well below the fee. Always ask for an itemised quote with item numbers so your fund can confirm the rebate before you proceed.
Frequently asked questions
What is a dental gap fee?
The difference between the dentist’s fee and the rebate your health fund pays, the amount you pay out of pocket.
Why is my dental rebate so low?
Extras cover caps rebates per item and per year. Major work like crowns and implants often has a small rebate relative to the fee.
Run a dental clinic? Add this dental gap fee calculator to your own website →