Working with The Doctors' Health Fund to offer bursaries to medical students. |
Total Extras - top cover with better benefits
Effective 1 April 2008
Waiting periods
-
12 months for major dental services, aids and appliances
-
24 months for hearing aids
-
2 months for all other services
Limits
|
ITEM
|
LIMITS
|
BENEFITS PAID
|
|
General dental services
|
No annual limits
|
100% paid for ten general check up items up to two times per year. Fixed benefits paid for all other items
|
|
Major dental services
|
|
|
|
- Inlays, onlays, facings
|
$700
|
Fixed benefits paid per item
|
|
- Endodontic/periodontic
|
$800
|
|
- Crowns & bridges
|
$1,000
|
|
- Dentures and prosthodontics
|
$800
|
|
- Orthodontics
|
Up to $250 per year of membership with a lifetime limit of $2500
|
|
Optical category limit
|
$500 limit over 2 years
|
|
|
- Frames
|
|
$220
|
|
- Single vision lenses
|
|
$200
|
|
- Bi-focal lenses
|
|
$250
|
|
- Multi-focal lenses
|
|
$320
|
|
- Contact lenses
|
|
$500
|
|
- Repairs
|
|
$50
|
|
Non-PBS pharmaceuticals, mammograms, ThinPrep tests, bone density tests
|
$600
Tests, one each per year
|
After the current PBS cost, benefits paid are 85% of the remaining cost of a non-PBS script. $60 per test.
|
|
One hearing aid
|
One set of hearing aids every 3 calendar years
|
$400
|
|
Two hearing aids
|
$800
|
|
Hearing aid repairs
|
|
$50
|
|
Audiology test
|
One visit per year
|
$40
|
|
Physiotherapy
|
$600
|
$30 per visit
|
|
Psychology
|
$600
|
$100 per visit
|
|
Occupational therapy, Speech therapy, Orthoptics, Podiatry, Dietetics, pre-natal Midwifery services
|
$1,000
|
$30 per visit with calendar year sublimits per therapy type of $600
|
|
Home nursing
|
$600
|
$30 per visit of up to 6 hrs
$60 per visit exceeding 6 hrs
|
|
Aids & appliances
|
$1,000 over 2 years
|
50% of the cost of the item
|
|
