Phil visits the dentist for the first time in a little while. Phil has private health and ancillary dental cover, with an annual limit of $600 per calendar year. The dentist advises that Phil should have an X-Ray taken of his teeth and then commence the subsequent check-up, clean and any treatment. After the X-Ray, the dentist is relatively happy with Phil’s oral health, but does recommend a scale and clean and topical fluoride treatment as a preventative measure. The quote via HICAPS is put through, Phil’s insurance will cover all the above codes (Check-up, scale, clean and fluoride treatment), the total cost without insurance would have been $427. Phil’s insurance will cover $256, leaving a gap payment $171. As Phil has visited a No Gap Dentist, Phil will not have to pay the $171. Phil has $173 remaining on his annual limit.