Extras cover for a better you

Transcription

1 extras cover

2 Extras cover for a better you Dental, optical, physio, and more there are so many ways to look after ourselves. Extras cover helps out with non-hospital treatments to keep you in top-top shape. What s Extras cover? Extras cover gives you money back for everyday health services like dental, physio, optical and more. The amount you can claim back depends on the level of cover you have. Generally, the higher the level of cover, the higher your annual limit, and the higher percentage you can claim back. Plus, if you go to one of our providers, you generally get more back than when you visit a non- provider. How much can you get back? With our four levels of Extras cover, you can choose the cover based on the percentage you d like to claim back. Pick from 55%, 60%, 70% or 85% back when you visit a provider, up to your annual limits. We also pay a fixed amount towards services when you visit a non- provider. Annual and lifetime limits Most services listed in your Extras cover have an annual limit; this is the maximum amount we pay towards that service or item per member (and in some cases per membership) per calendar year. Annual limits reset every year on 1 January. Lifetime limits on the other hand, apply once in your lifetime and don t reset once used up. For annual and lifetime limits, refer to the table. 100% back on your annual dental check-up With Extras cover you get 100% back on an annual dental check-up and clean (excluding x-rays) at any dentist. And it doesn t count towards your annual limit! providers We have arrangements with thousands of extras providers in Australia, so you can generally get better value if you visit one of these providers compared to a non- provider. Learn more in our Member Guide at medibank.com.au Manage your membership on the go Manage your membership anytime, anywhere with the Medibank app. It s where you can check extras balances, pay premiums, make claims on most extras, and update your details. It only takes two minutes to sign up, just search Medibank in your app store or go to medibank.com.au/mobile to get started. Waiting periods Waiting periods may apply when you join us or change your cover to include new or upgraded items or services. We don t pay towards any items or services you receive while you re serving a waiting period. For waiting periods, refer to the table Canstar award for Outstanding Value Health Insurance 10 years in a row We re proud to deliver outstanding value health insurance products designed to suit your needs. But don t just take our word for it.

3 Choose an Extras cover that suits you Cover for everyday health services and items to help you stay healthy. Choose your cover based on the services you need and how much you d like to claim back. Healthy Start Extras Simple, affordable Extras cover for singles and couples that s easy to understand. Basic Extras Fuss-free, affordable cover that gives you access to some of the more common services to keep your health in check. Basic Extras 55 must be taken with a Hospital cover. Growing Family Extras Only Extras cover to help support you during pregnancy and after the birth. Top Extras Our highest level of Extras cover to help you, and your family, stay in tip-top shape from head to toe.

4 Compare to make the right choice The $ figure is the maximum amount we will pay for each service(s) per calendar year and will generally apply per member unless otherwise shown. The b means we don t pay benefits towards that service. If you visit a provider for these services you will get a set percentage of the charge back, up to the limit shown. You benefit from having increasing annual limits on these services. # Item or service Ambulance services Attendance or transportation to a hospital where immediate professional attention is required and your medical condition is such that you couldn t be transported any other way. TAS and QLD have State schemes to cover ambulance services for residents of those States. Waiting period (before you can receive benefits) Healthy Start Extras is for single or couples memberships only. Up to 60% back at Basic Extras 55^ Up to 55% back at Basic Extras 70 Up to 70% back at Growing Family 60 Extras Only Up to 60% back (100% back for kids±) at Growing Family 70 Extras Only Up to 70% back (100% back for kids±) at Top Extras 55 Up to 55% back at Top Extras 70 Up to 70% back at Top Extras 85 Up to 85% back at 1 day No annual limit No annual limit No annual limit No annual limit No annual limit No annual limit No annual limit No annual limit Each person on the membership receives an annual dental check-up and clean (excluding x-rays) at a dentist. And this doesn t count towards annual limits. 2 months General dental Includes preventative treatment, dental examinations, and scale and clean Surgical dental procedures (such as wisdom tooth extraction) 12 months of $500 for these and other Major dental Includes endodontics (e.g. root canal), periodontics (e.g. treatment of gum disease), crowns* 12 months services b b Orthodontics Braces 12 months b b b Optical items 100% back, up to annual limit. Includes frames, prescription lenses and contact lenses 6 months Natural therapies Consultations for naturopathy, acupuncture and remedial massage Consultations for reflexology, kinesiology, Chinese and Western herbalism, exercise physiology, shiatsu, aromatherapy, homeopathy, Bowen therapy, Alexander technique and Feldenkrais. c c c c c c c c of $150 2 months $100 $100 $400 $750 $750 $1,000 $800 No annual limit No annual limit $150 $200 $400 $800 $500 $1,000 $1,200 (Inc $50 per year to $600) # (Inc $50 per year to $1,000) # $100 opening balance. Top up of $100 per year up to $1,200 lifetime limit. $200 per person/ $500 per membership $150 per person/ $300 per membership $200 opening balance. Top up of $200 per year up to $2,400 lifetime limit. $225 per person/ $550 per membership $250 per person/ $500 per membership $400 opening balance. Top up of $200 per year up to $1,200 lifetime limit. $800 opening balance. Top up of $400 per year up to $2,400 lifetime limit. $1,000 opening balance. Top up of $500 per year up to $3,000 lifetime limit. $200 $225 $250 $200 $300 $400 Physiotherapy Includes consultations, group pilates and hydrotherapy sessions 2 months Chiropractic Consultations Osteopathy Consultations 2 months - see General dental above of $300 of $450 $300 $600 $300 $600 $700 $200 $400 $500 Podiatry Consultations and approved orthotics b b b $200 $400 $500 Prescription pharmaceuticals ~ Includes most prescription-only items not subsidised by the government (non-pbs). (non-pbs) Benefits will be paid after a set charge has been deducted 2 months b b $200 $400 $600 Dietetics Consultations only 2 months - see General dental above b b $200 $400 $500 Psychology Consultations only None b b $200 $400 $500 Speech therapy Consultations only 2 months b b b $200 $400 $500 Breathing appliances* 100% back, up to annual limit. Peak flow meters, nebulisers and spacing devices only 12 months b b b Blood glucose monitors and blood pressure monitors* 100% back, up to annual limit. Purchase of devices only 24 months b b b $400 $1,000 $150 Health appliances and external prostheses* e.g. Insulin delivery pen 2 months b b b $200 $400 $500 TENS machine* Hire or purchase 2 months b b b b b b Pregnancy compression garments* Garments must have TGA approval. Up to 2 garments 2 months b b b b b b Australian Breastfeeding Association membership Benefit towards a membership of the Australian Breastfeeding Association 2 months b b b b b b Antenatal and Postnatal services Includes lactation consultations with a midwife or a lactation consultant registered with Lactation Consultants of Australia and New Zealand (LCANZ). Providers must be working in private practice. 2 months b b b b b b Hearing aids* 100% back, up to annual limit. Purchase of devices only 36 months b b b b b $400 $800 $1,200 Occupational therapy Consultations only 2 months b b b b b $200 $400 $500 Eye therapy Consultations only 2 months b b b b b $200 $400 $500 $200 $250 #First annual limit increase applies on 1 January after you ve held cover for a full calendar year. Refer to your Cover Summary for details. ^Basic Extras 55 can only be taken when combined with an eligible Medibank hospital cover. ±100% back on extras for kids applies to to dependants who are under 21, or who are full-time students under 25. Higher annual limits apply to major dental treatment received in WA. Please call for details. *Benefit replacement periods apply. Please refer to your Cover Summary and the Member Guide at medibank.com.au for more information. ~We don t pay towards pharmaceuticals prescribed for cosmetic purposes, nor do we pay towards oral contraceptives (exceptions may apply if prescribed for non-contraceptive purposes). For more information on our Fund Rules and policies please see the Member Guide at medibank.com.au or call for a copy.

5 It pays to understand your cover The more you understand your health cover, the more you ll get out of it. To help you out, we ve created a Member Guide which gives you a detailed rundown of how your membership works, and a summary of our Fund Rules. We ve also put together a Cover Summary. This outlines the services and items included in the cover you ve chosen. You can download a copy of your Cover Summary, Member Guide and Fund Rules from medibank.com.au For a list of useful terms, head to our glossary at medibank.com.au/glossary Find out more If you d like to talk to someone about which cover may be right for you, call us on , or learn more at medibank.com.au Want to join us from another fund? It s easy, we do the paperwork and there s no need for you to re-serve waiting periods if you ve joined us within two months of leaving your previous fund and already served waiting periods for the same service.

6 The information contained in this brochure is current at the time of issue, 4 May 2018, and supersedes all previously published material. Medibank Private Limited ABN Effective date: May MPL