By: Dr. Lahiru Chandraweera

June 06, 2023

The Complete Guide to Dental Veneers Cost and Financing: Everything You Need to Know

Dental veneers have transformed many a smile, but the journey to getting them involves more than just walking into a dental clinic. It’s about understanding the process, appreciating the benefits, and being aware of the financial aspects.

This comprehensive guide will walk you through the world of dental veneers, touching on their benefits and the factors influencing their cost. We’ll tackle the average price range in Australia and shed light on dental veneer financing options, making it simpler to plan for this worthwhile investment in your oral health.

In the next few paragraphs, we’ll also discuss managing the cost of dental veneers and present long-term options to make this journey more manageable. Finally, we’ll address the question that’s probably top of mind: Are dental veneers worth the investment?

Without a doubt, the prospect of dental veneers is exciting. But it’s essential to approach it with an understanding of the costs and financing options available.

Let’s embark on this journey together to discover why dental veneers could be the path to the radiant smile you’ve always desired. Keep reading to learn more.

Hills Family Dental Centre

Summary of the Content

  • Dental veneers are a popular choice for improving one’s smile and addressing various dental issues, including discoloured, chipped, or crooked teeth.

  • The cost of dental veneers depends on several factors, including the material used, the number of veneers, the complexity of the procedure, the clinic location, and dental clinic fees.

  • The average cost of dental veneers in Australia ranges from \$836 per tooth for composite veneers to \$2,036 per tooth for porcelain veneers.

  • Financing options for dental veneers include dental clinic payment plans, dental loans, credit card financing, and health funds.

  • Health funds can help cover a portion of the cost of dental veneers, but coverage varies widely among providers.

  • To manage the cost of dental veneers, preventive care, regular consultations, and sticking to an agreed-upon treatment plan is advisable.

  • While dental veneers require a considerable investment, they offer significant benefits in terms of improved aesthetics, oral health, and self-confidence.

Understanding Dental Veneers and Their Benefits

Dental veneers, often simply called veneers, are wafer-thin, custom-made shells designed to cover the front surface of your teeth. They offer a popular choice for those seeking a smile makeover. Here’s what you need to know:

  • Types of Veneers:
    There are primarily two types of veneers: composite and porcelain. Composite veneers cost less and require less removal of tooth enamel, while porcelain veneers, being a more durable veneer material, offer a superior look and longevity.

  • Dental Issues Addressed:
    Veneers are a versatile dental treatment. They help address various dental issues such as discoloured teeth, chipped teeth, gaps between teeth, and crooked teeth. If you’ve ever felt self-conscious about your teeth, veneers can help transform your smile.

  • Procedure:
    The dental veneer treatment involves three visits to the dentist. The first is an initial consultation to determine the type of veneer suitable for your needs and the desired colour or shade of your teeth. The second visit involves the preparation of your natural teeth by the removal of a thin layer of tooth enamel. The third visit is where the dental veneers are bonded to your natural tooth structure.

Now, let’s explore the advantages of dental veneers:

  • Aesthetics:
    Dental veneers can offer you the dream smile you’ve always desired. They’re designed to mimic the appearance of your real teeth, so they’ll look natural and beautiful.

  • Durability:
    With proper care and oral hygiene, veneers can last for years, providing a healthy and long-lasting smile.

  • Stain Resistance:
    Unlike natural teeth, porcelain veneers resist staining. So, you can enjoy your coffee, tea and other food and drinks without worrying about discolouration.

  • Less Invasive:
    Compared to other orthodontic treatments, veneers are less invasive. They require minimal changes to your teeth, preserving much of your natural tooth structure.

Understanding dental veneer cost and financing options is crucial as you consider this dental care path. While the initial cost may seem steep, consider the long-term benefits:

  • The health and beauty of your smile
  • The boost in confidence
  • The freedom to enjoy life without worrying about your teeth

There are a number of financing options available to help manage the cost of dental veneers. We’ll cover that in more detail later, but for now, just know that achieving your dream smile might be more within reach than you initially thought!

Factors Affecting the Cost of Dental Veneers

As you explore the path to a healthy and confident smile with dental veneers, understanding the factors influencing dental veneer cost becomes crucial. Here’s what can affect the price tag:

  • Material Used:
    The type of material chosen for your veneers significantly affects the total cost. Composite veneers are usually less expensive than their porcelain counterparts. However, porcelain veneers, being more durable and aesthetically pleasing, are often a favoured choice despite the higher cost.

  • Number of Veneers Required:
    The more veneers you need, the higher the total cost will be. But remember, the goal is a beautiful, balanced smile. Sometimes, that might mean addressing multiple teeth rather than just one or two.

  • The Complexity of the Procedure:
    Not all smiles are the same, and some require more work than others. If your teeth require more extensive preparation, or if you’re going for a complete smile design involving custom-made veneers, expect the cost to reflect that.

  • Geographic Location:
    The cost of living varies from place to place, and so does the cost of dental care. Urban areas with a higher cost of living often have higher dental clinic fees.

  • Dental Clinic Fees:
    Fees can vary greatly from one clinic to another. An experienced team may charge more for their services and the advanced procedures they offer. It’s important to find a balance between cost and the quality of care you’ll receive.

The journey to a healthy smile with veneers can span a few months, from the initial dental consultation to the time of treatment. But remember, this isn’t a process you want to rush.

An experienced dentist will take the time to carefully assess your teeth, consider your desires and expectations, and meticulously plan your treatment. The goal is not just to create beautiful teeth but to design a smile that looks natural, suits your features, and lasts for years to come.

Average Cost of Dental Veneers in Australia

Now, let’s talk numbers. What is the average dental veneers cost in Australia? Keep in mind that these are general figures, and actual costs may vary based on the factors we’ve just discussed. Here’s the average cost of dental veneers in Australia based on data from the Australian Dental Association:

  • Composite Veneers:
    Composite resin veneers are the more affordable option, typically costing $836 and above per tooth. This cost includes the veneer itself and the dental procedure required to apply it.

  • Porcelain Veneers:
    With their superior aesthetic and durability, Porcelain veneers come with a higher price tag. You can expect to spend at least 2,036 dollars per tooth for the cost of porcelain veneers. This fee covers not only the cost of the veneer but also the skills required to create and apply each custom-made veneer.

Remember that these figures represent the cost of veneers per tooth. So, the total veneer cost will depend on how many teeth you want to enhance.

One thing to be mindful of is potential hidden costs. For example, additional consultations may not be included in the initial quotation. Always ask your dentist for a comprehensive breakdown of costs so you can plan your budget accordingly.

Navigating dental veneers cost and financing can feel a bit overwhelming, but don’t let the numbers scare you. Dental veneer financing options exist to help you manage these costs. Plus, some health funds can cover a part of the dental veneer cost to lighten the load.

The goal isn’t to spend as little money on veneers as possible but to invest wisely in a treatment that will provide you with a healthy, long-lasting smile.

Exploring Dental Veneers Financing Options

Paying for dental veneers upfront might not be a feasible option for everyone. That’s where dental veneer financing options come into play. Here are some options to consider:

  • Payment Plans Offered by Dental Clinics:
    Many dental clinics offer flexible payment options for their patients. These dental payment options can include interest-free payment plans or personalised finance plans split over a few months or even years. The terms and conditions can vary, so it’s worth asking your dental clinic about their specific offers. Ask your dentist about payment plans.

  • Dental Loans:
    These are personal finance solutions specifically designed for dental care. These loans usually offer flexible repayments and competitive rates, making them an appealing option for many patients. Remember that approval will depend on your credit history and other finance checks.

  • Credit Card Financing:
    Paying for your veneers with a credit card can give you the flexibility to spread the cost over time. Look for cards offering low-interest rates or promotional periods with no interest.

  • Health Funds:
    Many health funds, such as CBHS, HBF, MediBank, and NIB, offer coverage for certain dental procedures. The amount covered can vary greatly depending on your level of cover and the fund’s policy. Some funds might also offer discounts on services if you go to a preferred provider.

  • Fund My Dental & Supercare:
    Companies like Fund My Dental and Supercare offer finance packages to help patients afford dental treatments. Their services include assisting with the finance process and finding flexible finance solutions that suit your budget and needs.

  • Medicare and DVA Card Holder:
    While Medicare does not typically cover cosmetic dental procedures, there are some circumstances where it might contribute to the cost. If you’re a DVA cardholder, you might also have access to dental package services that could help offset the cost.

Exploring all your financial options can help make dental veneers a less expensive option. While it might seem like a lot to take in, remember that the goal is to find a way to make your dream of healthy teeth and a confident smile a reality.

How Health Funds Cover Procedure for Dental Veneers

Health funds can play an integral role in managing the cost of dental veneers. Here’s how:

  • Covering Part of the Cost:
    Many health funds offer dental cover that includes contributions towards the cost of dental veneers. The amount can vary based on your level of cover and the fund’s policy.

  • Preferred Provider Network:
    Some health funds have a network of preferred providers. If you choose a dentist from this network, you might be eligible for higher rebates and additional benefits.

  • Annual Limits:
    Health funds typically have annual limits on how much they will pay towards dental procedures. If you haven’t used your limit for the year, you can apply these unused funds towards the cost of your veneers.

  • No Gap Dental:
    Some health funds offer no-gap dental services. This means that for certain dental procedures, you won’t have to pay any out-of-pocket expenses.

So, how can you check what your health fund covers when it comes to dental veneers? Here are some steps to follow:

  1. Check Your Policy:
    Start by checking your health fund policy details. Look for information on the dental cover and specifically cosmetic dentistry.

  2. Contact Your Fund:
    If the information isn’t clear, give your health fund a call. Be sure to have your health fund card and personal details ready. Ask about coverage for dental veneers and any limits or conditions that apply.

  3. Ask Your Dentist:
    Your dentist can provide ballpark prices for dental veneers. Share this information with your health fund to better understand how much you can expect to be covered.

  4. Get a Quote:
    For a more precise idea, ask your dentist for a quote and submit it to your health fund. They can then tell you exactly what portion they will cover.

  5. Consider Switching Funds:
    If your current fund doesn’t offer sufficient coverage, it might be worth shopping around. Remember to consider waiting periods when switching funds.

Remember, health funds for dental veneers can significantly reduce your out-of-pocket expenses, making your dream of a confident smile more affordable.

Maximising Your Health Fund Benefits

Optimising the benefits of your health fund for dental veneers can make a significant difference in managing costs. Here are some useful tips to help you make the most of your health fund benefits:

  • Understand Your Coverage:
    Knowledge is power. Thoroughly understanding your policy’s details, inclusions, exclusions, and limits can help you plan your dental veneer treatment more efficiently.

  • Make Use of the Waiting Period:
    Most health funds have a waiting period before you can claim for major dental procedures. Use this time to plan your treatment and save towards any out-of-pocket costs.

  • Use Preferred Providers:
    If your health fund has a network of preferred providers, consider choosing a dentist from this list. They often provide higher rebates and lower out-of-pocket costs.

  • Claim All Allowable Expenses:
    Some health funds cover related costs such as dental consultations and X-rays. Make sure you claim these to reduce your total out-of-pocket expenses.

  • Stay Within Annual Limits:
    Keep track of your annual limit and try to stay within it. If you’re planning a major procedure like dental veneers, spread the treatment over two benefit years to maximise your rebates.

  • Review Your Policy Annually:
    Health fund benefits and policies can change annually. Review your policy each year to make sure it’s still providing you with the coverage you need for dental procedures 3D. Make sure that you’re getting comprehensive rates from your health fund provider.

  • Plan Ahead:
    If you’re thinking of switching funds or upgrading your level of cover, remember that waiting periods will apply. Plan ahead so you’re fully covered when you’re ready to proceed with your dental veneers.

With these tips, you’re well on your way to maximising your health fund benefits for dental veneers.

Managing the Cost of Dental Veneers: Long-term Options

Taking care of your dental veneers can help you avoid additional costs in the long run. Here are some tips to help you manage the costs associated with dental veneers:

  • Quality over Quantity:
    Always go for high-quality dental care. While it may be tempting to go for cheaper veneers, remember that a high-quality veneer is more durable, lasts longer, and requires fewer replacements over time.

  • Regular Dental Check-ups:
    Preventive care is always cheaper than restorative care. Regular dental check-ups can help detect issues early before they turn into costly problems.

  • Follow the Dentist’s Advice:
    After your dental veneer procedure, your dentist will provide you with some advice on how to take care of your veneers. Make sure to follow these instructions to avoid any unnecessary complications.

  • Keep Up with Oral Hygiene:
    Good oral hygiene is crucial in keeping your dental veneers in top shape. Regular brushing and flossing will keep your veneers and natural teeth healthy.

  • Use Dental Financing Wisely:
    If you’re using a financing option, always know the terms and conditions, including any interest rates, fees, and penalties for late payments. Be prompt with payments to avoid any extra charges.

  • Invest in a Dental Plan:
    If dental veneers are an elective procedure for you, consider investing in a dental plan that covers cosmetic dentistry. It may require an upfront deposit but can save you a significant amount in the long run.

  • Plan Your Treatment:
    Discuss your treatment plan thoroughly with your dentist during the consultation visit. Understand all the costs involved and plan your finances accordingly.

Remember, managing the cost of dental veneers isn’t just about finding ways to pay for the procedure. It also involves taking steps to maintain your dental veneers and keep them in good condition for as long as possible.

Dental Veneers: Are They Worth the Investment?

Deciding whether dental veneers are worth the investment involves weighing the pros and cons. Here’s a quick rundown:



Aesthetic Appeal:
Veneers can greatly improve your smile, boosting confidence and self-esteem.

Dental veneers can be quite costly, especially high-quality ones.

With proper care, veneers can last up to 15 years.

The procedure involves altering the natural teeth, which is irreversible.

Stain Resistance:
Veneers are more resistant to stains than natural teeth.

Some patients may experience increased tooth sensitivity after getting veneers.

Quick Transformation:
Veneers offer a faster way to a beautiful smile than orthodontic treatments.

Requires Maintenance:
Like natural teeth, veneers require regular care and may need replacing over time.

Knowing these pros and cons, let’s discuss why investing in dental veneers can be a worthwhile decision:

  • Boosted Self-esteem:
    A confident smile can do wonders for one’s self-esteem. Dental veneers can make your smile more appealing, which can lead to improved social interactions and greater confidence in various aspects of life.

  • Long-lasting Solution:
    Dental veneers are a durable solution for cosmetic dental issues. With proper care, they can last up to 15 years, making them a long-term investment in your smile.

  • Stain Resistance:
    If you’re a fan of coffee, tea, or wine, you’ll appreciate the stain resistance of veneers. Unlike natural teeth, porcelain veneers are less likely to discolour over time.

  • Improves Oral Health:
    While veneers are primarily a cosmetic treatment, they can also provide protection from further tooth decay or damage, improving oral health in the long run.

  • Quick and Noticeable Results:
    Unlike orthodontic treatments, which can take months or years to show results, veneers offer a faster way to a better smile. The results are immediate and noticeable.

While the cost of dental veneers can be a significant outlay, the benefits they offer make them a worthy investment for many people. As always, the final decision depends on your personal needs, budget, and the advice of your dental professional.

Final Thoughts

We’ve taken a comprehensive look at dental veneers, their benefits, and the various factors that influence their cost and financing options. We’ve also discussed the role health funds can play in making this dental solution more accessible. Remember, getting veneers is an investment in your smile and, more importantly, your confidence and self-esteem.

At Hills Family Dental Centre, we believe in providing high-quality dental care that fits your budget. We’re here to assist you in exploring all options and making an informed decision about your dental health. Our experienced team is ready to guide you every step of the way, from the initial consultation to the actual procedure and beyond.

Ready to take the first step towards that confident smile? Don’t hesitate to reach out to us. You can book an appointment through our website, or if you prefer a more personal touch, give us a ring. We’re more than happy to discuss your dental veneer needs and financing options over a friendly chat.

Thank you for sticking with us on this dental journey. We look forward to helping you achieve that dream smile at Hills Family Dental Centre!