Access My Super — Information for Patients at Prestige Smiles in Treeby

Dental treatment costs can be a challenge for many patients. Our Treeby clinic can provide information about Access My Super as a pathway some eligible patients may pursue independently through the ATO.
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How Access My Super Works

Access My Super is a third-party service that helps eligible Australians apply for compassionate release of superannuation through the Australian Taxation Office (ATO). This option is available only for medically necessary dental care — not for cosmetic procedures. Our Treeby clinic can provide information, but we cannot offer financial advice.


The process follows a structured pathway from application through to payment. Access My Super manages the application on the patient’s behalf and submits it to the ATO for assessment. The ATO reviews applications and, if approved, notifies the patient’s super fund to release the relevant amount. From start to finish, the process takes approximately two to four weeks. Access My Super charges fees for its service. These fees cannot be paid using released superannuation funds — patients will need to arrange payment of Access My Super’s fees separately. Contact Access My Super directly for details on their fee structure and payment arrangements. They are an external provider and are not affiliated with Prestige Smiles.

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At The Prestige Smiles, we’re passionate about helping you achieve and maintain a smile you’ll feel proud of. Whether you’re due for a routine check-up, seeking to refresh your smile’s appearance, or need urgent dental care, we’re ready to welcome you with compassion, expertise, and genuine care.

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(08) 6188 8155
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(08) 6168 9200
Harrisdale

Eligibility for Access My Super

To access super through this pathway, patients must meet four key criteria set by the ATO. These include citizenship or residency status, proof of medical necessity, evidence of financial hardship, and documentation requirements. Eligibility is determined by the ATO — not the dental clinic.

  1. Citizenship/Residency Requirement
    You must be an Australian citizen, permanent resident, or New Zealand citizen. Temporary visa holders are not eligible.
  2. Medical Necessity Requirement
    Care must address acute or chronic pain, a life-threatening condition, or acute or chronic mental illness. Cosmetic procedures do not qualify.
  3. Financial Hardship Requirement
    You must show you cannot fund care through savings, income, loans, or other available means.
  4. Documentation Requirement
    You must provide a quote dated within six months, two medical reports, and evidence of financial hardship. Care must not have been paid for prior to application.
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Payment Options Available at Prestige Smiles

Your dental health is our priority, and so is your financial comfort. That’s why we provide a range of payment options to make quality dental care accessible and affordable.
  • Child Dental Benefits Schedule
    Child Dental Benefits Schedule
    Prestige Smiles is a CBHS preferred provider, delivering affordable, personalised dental care for CBHS members. Our preferred provider status may help reduce out-of-pocket expenses while supporting better oral health outcomes.
    Learn More
  • Dental Services for DVA Card Holders
    Dental Services for DVA Card Holders
    We proudly support Department of Veterans Affairs (DVA) cardholders, offering access to specific dental treatments to help maintain oral health with convenience and respect for your service.
    Learn More
  • Afterpay
    Afterpay
    Enjoy the flexibility of spreading your dental costs over four equal instalments — interest-free. Afterpay lets you receive the care you need now and pay over time, making dental treatments easier to manage within your budget.
    Learn More
  • Zip
    Zip
    With Zip, you can access dental treatments today and pay later with a flexible repayment schedule that suits you. No upfront payments needed.
    Learn More
  • SuperCare
    SuperCare
    SuperCare may assist eligible patients in accessing their superannuation early to fund necessary dental treatments. Our team can guide you through the SuperCare process to make it as smooth as possible.
    Learn More
  • Pretty Penny Finance
    Pretty Penny Finance
    Looking for personalised dental financing solutions? Pretty Penny Finance offers tailored repayment options to help you manage treatment costs comfortably and confidently.
    Learn More
  • HBF
    HBF
    As an HBF-preferred provider, we offer quality dental care to HBF members, helping to reduce out-of-pocket expenses across a range of treatments.
    Learn More
  • CBHS
    CBHS
    We proudly partner with CBHS Health Fund to deliver affordable, personalised dental care for members, supporting better oral health outcomes.
    Learn More
  • HIF
    HIF
    As a preferred provider for HIF members, we make it easier to access cost-effective dental services while maintaining the highest standards of care.
    Learn More
  • HCF (Harrisdale only)
    HCF (Harrisdale only)
    As a preferred provider for HIF members, we make it easier to access cost-effective dental services while maintaining the highest standards of care.
    Learn More
  • Access My Super
    Access My Super
    Access My Super is a payment option available at our Treeby clinic. It assists eligible patients applying for compassionate release of superannuation for medically necessary care. ATO eligibility criteria and approval conditions apply.
    Learn More

We Accept All Health Funds to Make Every Visit Smooth and Stress-Free

All health funds are welcome, offering convenience and peace of mind for every patient. Our team works efficiently to simplify claims and make the entire process straightforward for covered treatments.

FREQUENTLY ASKED QUESTIONS About Access My Super

Access My Super raises a number of practical questions for patients. The answers below cover the process, eligibility, and key financial considerations.

How does the Access My Super process work?

The Access My Super process has six steps. It begins with a consultation and a quote at the clinic. You then contact Access My Super and gather your documents. The ATO reviews your application, and your super fund releases the approved amount. The full process takes approximately two to four weeks.

The following outlines the Access My Super process. Prestige Smiles in Treeby is involved in Step 1 only — providing a consultation, treatment plan, and written quote. All remaining steps are managed independently by the patient, Access My Super, and the ATO. For current and complete process information, visit accessmysuper.com.au or ato.gov.au.

  1. Consultation:
    Attend an appointment at Prestige Smiles Treeby. A treatment plan and written quote will be provided for your application. This is the extent of the clinic’s involvement in the application process.
  2. Contact Access My Super:
    Reach out to Access My Super directly. They will assess your eligibility and outline their service fees.
  3. Gather documents:
    Access My Super will coordinate the required medical reports on your behalf through their telehealth service. You will also need to provide supporting evidence of financial hardship. Both the medical reports and your treatment quote must be dated within six months of your application.
  4. ATO submission:
    Access My Super submits your application to the ATO on your behalf. The ATO review takes five to 14 business days.
  5. Fund release:
    Once the ATO approves, contact your super fund. Funds are generally released within five to 10 business days.
  6. Payment:
    Pay the clinic once funds have been received. Care cannot proceed until funds are confirmed received.

The Access My Super process takes approximately two to four weeks in total. This covers the time from your first contact through to fund release. Timeframes depend on how quickly documents are submitted and how long the ATO takes to assess your application.

  • ATO assessment:
    This takes five to 14 business days after Access My Super submits your application.
  • Super fund release:
    Once the ATO approves, your fund releases the amount within five to 10 business days.

Delays are most often caused by missing documents or additional ATO queries. Submitting a complete application may help reduce delays, though the ATO’s processing timeframes and outcomes are independent of the clinic.

Yes, a financial dependent can use another person’s superannuation for dental care. The super fund holder must apply on the dependent’s behalf. Standard ATO eligibility criteria still apply, including medical necessity and proof of financial hardship. This option is most common for children under 18 or adult dependents with a disability.

  • The dependent cannot submit the application themselves. Only the super fund holder can lodge it with the ATO.
  • Proof of dependent status is required. This may include tax or Centrelink records showing financial dependence.
  • Both medical necessity and financial hardship must still be demonstrated. These requirements apply regardless of who holds the super.

Patients in this situation should contact Access My Super directly. They can assess whether the circumstances meet ATO requirements.

A rejected application does not mean the end of the process. You may reapply with additional supporting evidence or consider alternative payment options. Access My Super can advise on what information to add before resubmitting. Understanding why the application was rejected is an important first step.

  • Incomplete or missing documentation:
    Both medical reports must be signed, dated, and within the six-month window.
  • Insufficient evidence of financial hardship:
    The ATO may need clearer proof that other payment options were genuinely unavailable.
  • Care assessed as cosmetic:
    The ATO only approves care that meets strict medical necessity criteria.
  • Eligibility criteria not met:
    Citizenship, residency, or dependent status may need to be verified more thoroughly.

If reapplying is not suitable, alternative options at our Treeby clinic include payment plans, Afterpay, and Zip. Eligibility criteria, terms, and conditions apply. Health fund benefits vary by fund and level of cover.

Compassionate release of superannuation does not directly affect your credit rating. However, it reduces your super balance, which can have other financial consequences. Some lenders factor super into borrowing assessments. It may also affect eligibility for certain government benefits. A licensed financial adviser can help you weigh these implications.

Early super access can have broader financial consequences.

  • Borrowing capacity:
    Some lenders include super balance in serviceability calculations for home loans or refinancing.
  • Government benefits:
    A reduced balance may affect the Age Pension, Commonwealth Seniors Health Card, or other entitlements.
  • Retirement savings:
    Early access reduces the amount available at retirement, including potential compound earnings over time.

Our clinic cannot provide financial advice on these matters. We strongly recommend speaking with a licensed financial adviser before making a decision.

Author:

  • Written by: Dr. Vidya Melmatti, General Dentist
  • Qualifications: Bachelor of Dental Surgery, Rajiv Gandhi University of Health Sciences (2010)
  • Registration: General Registration (DEN0002175418)
  • Last Updated: March 2026

Financial Advice Disclaimer:

IMPORTANT:
Prestige Smiles Treeby cannot provide financial advice regarding accessing your superannuation. Decisions about early super release can significantly affect your retirement savings. We strongly recommend consulting an independent licensed financial adviser before proceeding. Access My Super is an external service. It is not affiliated with or endorsed by Prestige Smiles.


ATO Information Disclaimer:
This information is general in nature. For official, current information about compassionate release of superannuation, visit ato.gov.au or call 13 10 20.


Treatment Disclaimer:
Early release of superannuation is subject to ATO eligibility and approval. Care cannot proceed until funds are received. Prestige Smiles Treeby will provide the necessary documentation to support your application. ATO approval is not within the control of Prestige Smiles Treeby. Approval depends on the ATO’s independent assessment of your application.

Discover Exceptional Dental Care. Schedule Your Visit With Us Today!

Trust us with your dental health and experience a welcoming environment, professional treatments, and personalised care. Schedule your appointment today and discover the impact we can have on enhancing your smile.

BOOK AN APPOINTMENT
Call Us
(08) 6188 8155
Treeby
(08) 6168 9200
Harrisdale

Any surgical or invasive procedure carries risks. Before proceeding, you should seek a second opinion from an appropriately qualified health practitioner. Results, risks, complications, and recovery time vary significantly between individuals.

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