32 Pearls Dental

Payment options

Transparent pricing, flexible payment plans, and on-the-spot health fund rebates.

Upfront quotes

Before any treatment begins you'll receive a written quote covering every item, its cost, and your expected gap after health fund rebates. No surprises, no hidden fees.

Health funds

We are preferred providers for Bupa, HCF and nib, and we accept on-the-spot HICAPS claiming for all Australian private health funds. Bring your card — you only pay the gap.

Without insurance? Our membership plan covers two checkups, two cleans and two sets of bitewing X-rays per year for a flat annual fee.

Government schemes

  • Medicare CDBS — bulk-billed dental care for eligible children 2 – 17.
  • DVA — full coverage for Gold Card holders.
  • NSW & VIC Public Dental — referrals accepted for emergency care.

Payment plans

For larger treatments such as implants, orthodontics or cosmetic work, we offer interest-free payment plans through Afterpay, Zip and Humm. Plans can be set up at the front desk in under 5 minutes.

Accepted payment methods

Visa, MasterCard, American Express, EFTPOS, cash, Apple Pay and Google Pay. Surcharges only apply to Amex (1.5%).