Extras cover for better care
A better way to look after yourself
Orthodontics, dental, optical and osteo. How about physio, chiro, or even natural
therapies? There are so many ways to look after ourselves.
That’s why you’re better off choosing an extras cover that gives you the right mix of
health services to keep your body in tip top shape.
Better health begins with good teeth. That’s why every Medibank member can get an
annual dental check-up and clean (excluding x-rays) at a Members’ Choice dentist on us.
And this doesn’t count towards annual limits*.
And if you’re looking for special extras like birthing classes, clincal pilates and the like,
we’ve got that covered too.
Top Extras
You’re looking for cover with a comprehensive range of health services,
including major dental, orthodontics, podiatry, health appliances, and
more. Choose up to 55%, 70% or 85% back when you visit a Members’
Choice provider.
Growing Family Extras Only
Our Growing Family extras covers are designed specifically to support you
with pregnancy-related health services, including birthing classes, remedial
massage and even clinical pilates with a physio. And, there’s 100% back on
extras for kids^ at Members’ Choice providers.
Already have a Basic, Standard or Top Hospital cover with Medibank? Talk to
us about how to get greater value by adding a Growing Family extras product
to your existing Medibank hospital cover.
Basic Extras
An affordable cover with the most popular extras services, like dental,
optical and natural therapies.
Canstar awarded ‘Outstanding Value Insurance’ 8 years in a row
We’re proud to deliver best in class products designed to suit your needs.
Health Insurance
2008 - 2015
^100% back on extras for kids applies to full-time students and child dependants only.
Compare to make the right choice
See what’s included in each cover and choose the level that suits you best. The $ figure is the annual limit, which is the maximum amount we’ll pay for each service(s) per person, per calendar year.
and b means we don’t include that service under a particular cover. Members’ Choice extras providers.
Item or service
Ambulance services
100% for eligible services where immediate professional attention is required.
QLD and Tas residents are covered by their state schemes.
(Refer to Member Guide for information)
Every member receives an annual dental check-up and clean (excluding x-rays)
at a Members’ Choice dentist. And this doesn’t count towards annual limits.
General dental
Waiting period
(before you can
receive benefits)
Basic Extras 55^
Up to 55% back at
Members’ Choice
Basic Extras 70
Up to 70% back at
Members’ Choice
Growing Family 60 Extras Only
Up to 60% back at Members’ Choice.
Up to 100% for kids±
Growing Family 70 Extras Only
Up to 70% back at Members’ Choice.
Up to 100% for kids±
Top Extras 55
Up to 55% back at
Members’ Choice
Top Extras 70
Up to 70% back at
Members’ Choice
Top Extras 85
Up to 85% back at
Members’ Choice
2 months
No annual limit
No annual limit
No annual limit
No annual limit
No annual limit
No annual limit
No annual limit
c
c
c
c
c
c
c
$400
$750
$750
$1,000
$800
No annual limit
No annual limit
2 months
Includes preventative treatment, dental examinations, and scale and clean
Surgical dental procedures (such as wisdom tooth extraction)
12 months
Major dental
Includes endontics (e.g. root canal), periodontics (e.g. treatment of gum
disease), crowns*
12 months
b
b
$400 (Inc $50 p.a. to $600)
$800 (Inc $50 p.a. to $1,000)
$500
$1,000 †
$1,200 †
Orthodontics
Braces
12 months
b
b
$100 opening balance. Top up of $100
per year up to $1,200 lifetime limit.
$200 opening balance. Top up of
$200 per year up to $2,400 lifetime
limit.
$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.
Optical items
100% back, up to annual limit. Includes frames, prescription lenses and contact
lenses
6 months
$150
$200
$200 per person/$500 per
membership
$225 per person/$550 per
membership
$200
$225
$250
Physiotherapy
Includes consultations, group pilates and hydrotherapy sessions
2 months
$300
$600
$700
Combined limit
of $300
Combined limit
of $450
$200
$400
$500
b
b
$200
$400
$500
2 months
$100
$100
$200
$300
$400
Chiropractic
Osteopathy
Consultations
2 months
Podiatry
Combined limit
$300
Combined limit
$600
Consultations for naturopathy, acupuncture and remedial massage
$150 per person/
$300 per membership
$250 per person/
$500 per membership
Natural therapies
Consultations for reflexology, kinesiology, Chinese and Western herbalism,
exercise physiology, shiatsu, aromatherapy, homeopathy, Bowen therapy,
Alexander technique and Feldenkrais
Prescription pharmaceuticals~ (non-PBS)
Includes most prescription-only items not subsidised by the Government (nonPBS). Benefits will be paid after a set charge has been deducted
2 months
b
b
$200
$400
$600
Dietetics
Consultations only
2 months
b
b
$200
$400
$500
2 months
b
b
$200
$400
$500
b
$200
$400
$500
Combined limit
$150
Combined limit
$200
Combined limit
$250
Psychology
Consultations only
Speech therapy
Consultations only
2 months
b
Breathing appliances*
100% back, up to annual limit. Peak flow meters, nebulisers and spacing
devices only
12 months
b
b
Blood glucose monitors and blood pressure monitors*
100% back, up to annual limit. Purchase of devices only
24 months
b
b
b
Combined limit
$400
Combined limit
$1,000
Health appliances and external prostheses*
e.g. Insulin delivery pen
2 months
b
$200
$400
$500
TENS machine*
Hire or purchase
2 months
b
b
b
b
b
b
b
b
b
b
b
b
Preganancy compression garments*
Garments must have TGA approval. Up to 2 garments
2 months
b
Australian Breastfeeding Association membership
Benefit towards a membership of the Australian Breastfeeding Association
2 months
b
b
Antenatal/Postnatal services
Consultations with eligible midwives
2 months
b
b
b
b
b
b
b
b
Hearing aids*
100% back, up to annual limit. Purchase of devices only
36 months
b
$400
$800
$1,200
Occupational therapy
Consultations only
2 months
b
b
b
b
$200
$400
$500
2 months
b
b
b
b
$200
$400
$500
Eye therapy
Consultations only
^Basic Extras 55 can only be taken when combined with an eligible Medibank hospital cover. ±100% back on extras for kids applies to full-time students and child dependants only. †Higher annual limits apply to major dental treatment received in WA. Please call 132 331 for details.
*Benefit replacement periods apply. Please refer to the Member Guide at medibank.com.au ~It’s important to note that we don’t pay benefits for oral contraceptives or for pharmaceuticals prescribed for cosmetic purposes. For more information on our Fund rules and policies please see the Member Guide at medibank.com.au or call 132 331 for a copy.
Bigger really is better
You’re better off knowing
Through Members’ Choice, you can
access one of the largest health provider
networks in Australia, covering the widest
range of extras services of any health
fund. That’s over 12,000 providers ready
to look after you and your family.
We are committed to keeping healthcare
affordable, ensuring you have access to
great quality care and the peace of mind
that comes from knowing exactly what you
are and aren’t covered for. So, here are
some important things you should know
before you choose your Medibank cover.
Our size means we can also negotiate
better rates on your behalf and you can
claim a fixed benefit for services at
non Members’ Choice providers too.
Generally, the higher level of cover you
choose, the higher the fixed benefit. Give
us a call before you go to see if they’re a
recognised Medibank provider.
Claim online, anytime with Online
Member Services
Most healthcare providers offer on-thespot claiming. If not, you can claim for
most extras services online, using your
mobile, tablet or computer, with Online
Member Services (OMS).
An annual limit is the maximum amount
we’ll pay for items or services in a
calendar year. If you reach your annual
limit, or the benefit we pay for a particular
item or service is less than what the
provider charges, you may have an
out-of-pocket expense.
Health insurance terms can be confusing,
so we’ve prepared a list of useful terms at
medibank.com.au/glossary
Register now medibank.com.au/members
Want to join us from another fund?
No problem. The good news is you may not have to re-serve waiting periods if you join
Medibank within two months of leaving your previous health insurance fund.
If you’d like to talk to someone about which extras cover may be right for your needs,
give us a call on 132 331, or feel free to browse at medibank.com.au
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 47 080 890 259.
Effective date: September 2016. MPL34470916