What is extras cover?
Extras cover is private health insurance for health services that are not covered by Medicare, such as dental, physiotherapy, optical, chiropractic, osteopathy, massage, Chinese herbalism, acupuncture, naturopathy and homoeopathy. Medicare provides no rebates for these health services so you have to pay the entire bill. That’s where extras cover comes in…meaning depending on your level of extras cover you may not have to pay full price for services included under your extras cover.
Extras cover helps reduce the out-of-pocket expenses associated with managing or improving your health. Examples of ‘Extras’ services include dental, optical, physiotherapy and chiropractic.You can claim for the following expenses depending on your level of cover: • Diagnostic and preventative dental • Restorative dental (fillings), oral surgery, endodontic services • Orthodontics • Dentures, crowns and bridges (dependent on level of cover) • Optical • Chiropractic, physiotherapy, hydrotherapy and osteopathy • Occupational, speech pathology • Pharmaceutical (HCF approved – non-PBS) • School accident cover • Natural therapies: homoeopathy, naturopathy • Home nursing • HCF approved artificial aids • Hearing aids • HCF approved Health Management Programs All HCF Extras covers exclude: • Some goods and services provided to you in hospital • Pharmaceuticals provided to you in hospital (as part of your admission) • Allied health and therapy services such as physiotherapy, occupational therap
