National Dental Plan at Absolute Dental
National Dental Plan, often called NDP, may be available at Absolute Dental for eligible patients who would like to spread approved dental treatment costs over time. It is a dental payment option used by participating practices, with finance options provided through humm and/or Zip Money.
NDP is not a health fund, rebate or government dental scheme. It does not decide whether treatment is clinically suitable or whether a private health fund benefit applies. Approval, account limits, repayment terms, fees, charges and credit criteria are set by the finance provider.
Payment Support for Dental Treatment
At Absolute Dental, your dentist will assess your oral health, discuss suitable treatment options and explain the fees before you decide whether to proceed. If National Dental Plan may suit your circumstances, our team can explain the basic process and direct you to the current application pathway.
NDP’s published information says patients may be able to apply for finance through humm and/or Zip Money, with approved limits depending on the provider, product and credit assessment. Current NDP patient information refers to Zip Money and humm limits that vary by provider and applicant, so it is important to review the latest terms before applying.
How to Use National Dental Plan at Absolute Dental
Book a dental appointment
Book an appointment with Absolute Dental and let our team know you would like to ask about National Dental Plan. Payment options are discussed after your dentist has assessed your needs and recommended suitable care.
Review your treatment plan and fees
Your dentist will explain the proposed treatment, alternatives, risks, likely appointments and fees. A payment plan should support an informed treatment decision, not replace clinical advice or pressure you to proceed.
Check whether NDP may suit you
If you are considering NDP, review your expected treatment cost, available savings, possible health fund benefits and other payment options. Our team can explain the dental fees, while NDP, humm or Zip Money manage finance-specific questions.
Apply through the current pathway
Depending on the product available, patients may apply online, in practice, through a QR code, through the Zip website or through the relevant provider app. Applications commonly require personal, residential, income, employment, bank account and identification details.
Confirm approval before treatment begins
If your application is approved, review the offered limit, repayment schedule, fees, charges and terms before accepting. Treatment can then be planned around the approved payment arrangement and your clinical needs.
How Does National Dental Plan Work?
National Dental Plan connects participating dental practices with payment plan providers so eligible patients can apply to spread dental treatment costs over time. NDP is used in dental clinics as a practice-supported application and payment pathway, and it integrates with Centaur’s Dental4Windows and Dental4Web software for participating practices.
For dental clinics, NDP’s published information says the practice can be paid upfront once an approved payment arrangement is in place, while humm or Zip Money manages the patient’s repayments. For patients, this means the finance agreement is with the selected provider, not with the dental practice.
Who Can Use National Dental Plan?
Eligibility depends on the finance provider and product selected. NDP’s published information states that applicants generally need to be at least 18, meet Australian residency requirements, provide suitable identification and contact details, and show a suitable source of income. Zip Money and humm may assess applications differently.
Approval is not guaranteed. The provider may assess credit history, income, expenses, repayment capacity and other criteria. Available limits, deposits, repayment periods and terms may vary, and some patients may not be eligible.
Costs, Fees and Repayment Terms
Interest-free terms may be available through National Dental Plan, but the details depend on the product and current provider terms. Fees may include establishment fees, monthly account fees, late fees or other charges. If using Zip Money, interest may apply after an interest-free period if a balance remains outstanding.
Before using NDP for dental treatment, review the total amount financed, repayment frequency, minimum repayments, fees and what happens if a payment is missed. Absolute Dental can explain dental treatment fees; NDP, humm and Zip Money control the finance assessment and repayment terms.
Dental Care and Payment Support at Absolute Dental
Absolute Dental welcomes patients to our West Perth practice at 1/34 Outram Street. Our team can explain treatment fees before you proceed and discuss available payment options, including National Dental Plan where suitable and approved. To book an appointment or ask about NDP at our practice, call 9321 6398 or contact our team.