Members Choice Network. 10,000+ ways to get better value

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1 Members Choice Network 10,000+ ways to get better value

2 We ll help you be your best at every stage in life Why Medibank? Medibank is more than just about insuring your health. We have the people, services and resources to be your personal health partner, helping you to be your best at every stage in life. We re committed to making health insurance as straightforward as possible. For a start, we make it easier for you to choose cover that s right for you. And when it comes to claiming, we do everything we can to make the process how it should be clear, simple, and certain.

3 Read me in conjunction with the Did you know? brochure Get more value from your visit Choosing the right health care provider shouldn t be a pain. And it shouldn t put a strain on your budget. Members Choice gives you access to one of the largest health provider networks in Australia, covering most private hospitals and a wider range of extras services than any other health insurer. For extras, we ve negotiated discounted rates to help control your costs. You can claim 55%, 70%, 85% or 100% back (up to annual limits) on extras when you visit one of 10,000+ Members Choice providers. Find out how much you can get back on our current covers by picking up an Extras cover or Packages explained brochure. Feel at home about going to hospital The arrangements we ve secured with Members Choice hospitals means you receive great quality healthcare and you will benefit with less or no gap to pay compared to non Members Choice hospitals*. Even if you go to a Members Choice hospital, you re still likely to have out-of-pocket expenses. The hospital and doctors treating you should tell you about their costs before you go to hospital so it s important to ask. Give us a call on before you go to hospital so we can help you ask the right sort of questions. *Subject to the hospital you attend having agreed to provide Medibank members with reduced rates for the service you require, and the service is included as part of your cover. With hospital cover, it s important to know that waiting periods and excesses apply to some of our covers and have services that are restricted or excluded. No cosmetic surgeries or procedures are covered by Medibank. For important information on our covers, please read the Did you know? brochure.

4 Feel comfortable about charges For extras services including dental, chiro, physio, podiatry, acupuncture, naturopathy and remedial massage, we ve set maximums on what Members Choice providers can charge. So you ll avoid any surprises when the bill arrives. For example, here s how it works for Elizabeth who lives in Queensland, has Basic Extras 70, and visits a Members Choice physiotherapist for a subsequent consultation: Members Choice provider Charge $62.00 (max charge) Non Members Choice provider $71.50* Benefit payable # (% back or fixed benefit) 70% of charge back ($43.40) $40.60 Out-of-pocket expenses $18.60 $30.90 *Most common charge in QLD for a subsequent physio consultation for Non Members Choice providers for claims during January 2013 (processed on or before 31 January 2013). # Subject to annual limits and waiting periods. Fixed benefit that can be claimed. With extras cover, it s important to know that waiting periods and annual limits apply to some of our covers. Members Choice extras providers may not be available in some areas. For important information on our covers, please read the Did you know? brochure. You ll clearly save on optical Have access to Australia s largest health fund optical network with leading providers OPSM, Specsavers and VSP Neighbourhood Eyecare. You get at least 20% off most frames and lenses and 15% off contact lenses before getting back 100% of the costs, up to annual limits, at over 1,000 locations. Plus, we ve arranged to have UV protection applied to all prescription lenses at no additional cost.

5 If you have Top Extras or Ultra Health Cover, you can get a discount on laser eye surgery ~ at the Vision Eye Institute^. Optical benefits are subject to applicable waiting periods and annual limits. Sub limits apply. Excludes MyOptions. ~ On LASIK or ASLA surgery. Excludes initial assessment fees. ^Only available for services in VIC, NSW and QLD. Get in touch Call us on , walk into any Medibank store or visit medibank.com.au

6 call for Corporate enquiries visit medibank.com.au or ask in store Twitter Follow us on twitter.com/medibank Facebook Like us on facebook.com/medibank YouTube Subscribe to us on youtube.com/medibank Medibank Private is a signatory to the Private Health Insurance Code of Conduct. The Private Health Insurance Code of Conduct logo is a trademark of, and is used under authorisation from, Private Healthcare Australia. In order to provide you with a range of health insurance and health related services, Medibank Private and its related companies may share your personal (including sensitive) information. Our Privacy Policy sets out how your personal (including sensitive) information is handled. You can view a copy of our Fund rules and Privacy Policy at any Medibank store, or online at medibank.com.au Medibank Private Limited ABN Effective June MPL