Out-of-pocket expenses

An extras out-of-pocket cost is the difference between the amount a service provider charges and the benefit we pay. For example, if a physiotherapist charges $70 for a visit and we pay a benefit of $40, the out-of-pocket cost would be $30.

Visiting a preferred optical or dental provider may reduce the out-of-pocket costs you are required to pay.

Using your extras

What's covered? What's not covered? Waiting periods Out-of-pocket expenses Dental treatments Find a provider Health management benefit Dental preferred providers

Going into hospital

What's covered? What's not covered? Waiting periods Hospital treatment costs Paying for hospital costs Access Gap and out-of-pocket expenses Find a hospital Pre-existing ailments Pregnancy and birth After-hospital care

Government initiatives

Australian Government rebate on private health insurance Medicare Levy Surcharge Australian Government private health insurance reforms Lifetime Health Cover Loading (LHC) Lifetime mental health waiting period waiver Pharmaceutical Benefit Scheme Medicare Safety Net Medicare Benefits Schedule Age-based discount

Member resources

Make a claim Change membership details Rate change facts Where do your premiums go? Suspend your membership Authority to access membership Premium payment options Pet insurance Safe Sleep Space Program Refer a friend Strive for Health Aged care transition & advisory services Care Coordination Program Forms Product guides Mobile app