No, not all health funds will provide the same level of extras coverage. Put simply, extras cover policies are types of private health insurance that help you pay for services not provided in a hospital or covered under Medicare. In Austalia, Medicare is the universal health insurance scheme, and it gives citizens, as well as some foreign visitors, access to free emergency treatment in public hospitals. It also covers free visits to some general practitioners, and it grants citizens reduced prices for certain specialist visits and prescription medications. It doesn’t cover ambulance transport, nor does it grant citizens the right to be treated in a private hospital or in a private room. For that, they’ll need a separate hospital cover.
There are many other health care services that aren’t covered by Medicare either. Two of the most common examples include dental and vision services. You can take out a private health plan to cover these if you wish, but it’s important to be aware of the kinds of coverage you can get.
The most commonly used extras coverage types are dental, optical, physiotherapy, and chiropractic. Depending on your needs, you may choose an extras plan with basic, medium, or comprehensive coverage. Here is a breakdown of those coverage levels with the most used plans.
Dental: Basic coverage is good for general checkups and cleanings as well as fillings, teeth removal, and x-rays. Medium dental will cover major procedures like crowns, bridges, root canals, and other oral surgeries. You’ll also be covered for dentures and various gum disease treatments. With a comprehensive plan, you’ll even be covered for orthodontic procedures like fitting braces.
Optical: Generally any level of cover will provide prescription glasses and contact lenses. Most plans will also cover any lens coatings you might need like anti-glare or transition for UV rays.
Physiotherapy: This refers to any physical rehabilitation needed for people with injuries, disabilities, or other conditions. These services can help you deal with pain, recover joint movement, help you adjust to chronic conditions, and more. Benefits may cover a percentage of your overall treatments or go up to a set amount.
Chiropractic: These are treatments that manipulate the alignment of bones, often around the spine. Treatment can also seek to reduce pain from headaches and issues with joints. Most extras plans will let you claim hundreds of dollars in treatments per year, so chiropractic cover can be a great value.
Choosing the Right Cover
Finding the right extras cover for you and your family will simply depend on what you’re most likely to need. There’s a wide range of benefits that can keep your medical costs under control, but it’s important to choose ones you’ll benefit from the most. If you wear glasses, a basic optical plan may be able to give you everything you need, but if you think you’ll need more complex services, like physical therapy, you’ll likely want to discuss your options more thoroughly with a representative.
It’s also important to realize that most extras cover will have a waiting period before you can start drawing benefits, but this will depend on your plan. Compare policies and extras with iSelect using a list of health funds to find a plan that’s right for you.
Those suffering substance use disorders and their families can sometimes use private health coverage for treatment in a private drug alcohol treatment center. This will depend on the facility and what insurance policies they accept, but inpatient treatment and outpatient services can both play critical roles in helping people of all backgrounds achieve long-term sobriety. Resources for families include group counseling sessions as well as education on the recovery process and relapse prevention.
No matter your specific needs, you can find coverage that works.