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

Find a provider What's covered? What's not covered? Waiting periods Out-of-pocket expenses Health management benefit Active health bonus Telehealth services Dental treatments

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 Assisted reproductive services After-hospital care Voice of the patient survey

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 About health insurance

Member resources

Make a claim Change membership details Where do your premiums go? Suspend your membership Authority to access membership Premium payment options Pregnancy to Parenthood Age-based discount Health support programs Aged care transition & advisory services Care Coordination Program Forms Product guides Mobile app Are you a member and a provider?