Have you been using your health fund extras effectively? We still find a lot of clients don’t realise they have remedial massage included in their extras. Remedial massage can be a great way to maintain your physical health, which is one reason why the health funds now encourage people to seek remedial massage treatment regularly. All of our remedial massage therapists at Melbourne Natural Therapies can offer health fund rebates for your session and you will only need to pay the gap (difference). At Melbourne Natural Therapies we offer remedial massage and myotherapy depending on what sort of treatment you require. Read below for more information on the health fund rebate process.
Using your health fund for your health
Using your health fund for your health may sound obvious (what else is private health cover for?) but working in the health industry I am frequently surprised by how often clients at our practice say that they have never used their health fund for anything before. Using your health fund effectively is an easy way to implement and sustain healthy practices throughout the year.
What does private health cover?
Well it depends on the fund and the level of cover. The best way to find out more is to search the internet or call a company that specializes in health fund comparisons such as iselect or choosi. It is always worth reassessing your health cover even if you have had a policy for years. Funds are always changing and upgrading so there may be a slightly different policy that suits your health needs a little better than your current plan. Speak to your provider and ask for a review to work out the best way to get the most rebate on the things that matter to you most.
Basic health cover will generally cover out of pocket hospital expenses. Others may provide you with ambulance cover and private hospital cover. Medium level policies will help towards other items including general dental, optical, MBS pharmaceuticals, physiotherapy, chiropractic, podiatry, and psychology. The medium to higher level policies will also cover other ancillary or extras services such as remedial massage, Alexander technique, acupuncture, herbal medicine, myotherapy and naturopathy as well as a whole host of others. Always check the policies for specific exclusions or waiting periods. Each fund will also vary the amount you can claim back so it is worth shopping around to see which fund gives a good rebate on the services you use most.
What kind of rebate can I expect to receive?
You will have to ask your health fund the answer to this as each policy differs and each provider offers different policies; that’s why it’s worth shopping around to find the policy that is right for you. When choosing a policy and a provider take into account what modalities you would like to include and how often you are going to use them. If you are going for treatment more frequently you may wish to opt for a higher level of cover that offers rebates for the things you like doing.