Medibank Private Top Extras 70

Medibank Private Top Extras 70 – Everyone likes to get the best value for money. That’s why we created the Members’ Choice Network to help you get the extra value out of your health coverage.

When you will be hospitalized for treatment or surgery You may want to find out if your doctor works at Member’s Choice Hospital.

Medibank Private Top Extras 70

And when you use the add-on service Double check that you have selected the member’s preferred service provider before making an appointment to verify that you are getting the best price. Additional networks include dentists, physiotherapists, chiros, podiatrists. eyeglasses retailer, etc.

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If a hospital is part of our Members’ Choice network, then we have an agreement with the hospital that covers how they will serve our members. You’ll find member-preferred hospitals and day-to-day surgeries across Australia. You can view the hospitals in the member’s preferred network online. Talk to us online or call 132 331.

To be admitted as a private patient at a Member’s Choice Hospital, you must have hospital coverage indicating that you are eligible for the treatment or services you need.

Choosing a Member’s Choice hospital can reduce your own expenses. This is because the amount charged for hospitalization is limited. Getting your treatment outside of the Member’s Choice network can mean higher out-of-pocket costs.

You may also be required to pay for any service or treatment. that do not include or limit your coverage Any excess applicable to your policy, any medication that is not included in our contract with the hospital. medical expenses and the costs associated with the prosthesis Learn more about out-of-pocket expenses here.

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When you claim for extras You should choose the network that the members want. Whether you want to have an annual dental check-up, buy new glasses, or undergo a massage or physical therapy session. Using a Members’ Choice provider is the key to getting more out of your coverage.*

Choosing the provider that members prefer for your excess means you’ll pay less out-of-pocket costs than if you were using one of our out-of-network providers. Most of the prices charged are limited. So you know how much you’ll have to pay in advance.

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Elizabeth has Top Extra 70 coverage and lives in New South Wales. The table below shows how much money he can save when seeing a Member’s Choice physiotherapist for a consultation.

Membership Preferred Networks is another way we can help you get better. You should know that our agreements with members’ preferred service providers are subject to change without notice. Make sure you choose the provider your member needs before making an appointment or treatment. Be sure to check limits and waiting periods as well. “Extras” are used to describe health services and items. that are usually available outside the hospital system, such as physical therapy, dental and optical instruments. With the many benefits of these Additional coverage can help you take better care of your day-to-day well-being.

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The best thing about extended coverage is that You can get great value from these services. Even if you are in good health That means you can take a proactive approach to your health and well-being with regular check-ups and treatments. So you can try to prevent problems before they happen and feel better every day.

For most additional services There is usually no Medicare subsidy, so having private health insurance is an extremely useful way to cover some of the costs. (Please note that if Medicare pays back, we may not pay additional benefits for the claim.)

Get help preventing and treating injuries, aches and pains and keeping your body in top shape. Most of our current specialty services cover Physio, Chiro and Osteo benefits.

Additional coverage may cover the cost of a remedial massage if delivered by a certified service provider.

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The first step in choosing the right surplus cover is understanding what you need and what is important to you. do you wear glasses Like to use it? Have a child? Or planning to have a family?

Think about the services you need flexibility. If you need important dental work such as braces or root canals You may need more comprehensive coverage.

Consider how much you want to use the services you use the most. Take your time to read through your options to find a cover that meets your needs or your family’s needs.

It’s important to know that you must serve a waiting period before you can request additional service under your coverage. Additionally, the amount you can claim is limited by an annual limit. (or in the case of orthodontics exceeded the lifetime limit). See your cover summary for more information.

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If you have our current special coverage*, you should go to a provider in the network that our large members need. at this health care provider We have negotiated a membership agreement. This includes fixed prices and assigns a percentage return on certain services. So in general You will have less overhead costs than you would if you were using an out-of-network provider.

Do you need additional coverage? Or need some help understanding your cover? Call us at 132 331 for more information.

*This article contains product information on ‘Current Extra Cover’: Healthy Start Extra, Essential Extra 55, Essential Extra 70, Growing Family Extra Only, Top Extra, Basic Daily Starter, Basic Plus Daily Essential, Bronze Plus Growing Family, Silver Plus. Family , Silver Plus Growing Family, Silver Plus Everyday Comprehensive, Gold Growing Family, Silver Plus Assured with Top Extra 70, Silver Plus Security with Top Extra 70, Security Comprehensive and Gold Ultra Health. This information may not apply to you. The waiting period includes 12 months for some dental services, if 2, everyone has the right to good health. Choosing private health insurance can be confusing. From trying to decide if you need hospital coverage. additional protection or both to the best protection for you So we keep everything as simple as possible – from the covers we offer to the way we describe things. Our range of hospital and excess coverage makes it easy to choose what’s right for you. with the flexibility to mix and match You can choose the combination that best suits your needs, lifestyle and budget. You’ll have certainty about what you get and how much you get back for excess. With Medibank, you have more control over who treats you. Where will you be treated? and above all is speed. You can also access even greater value through our Members’ Choice network, one of Australia’s largest hospitals and healthcare provider networks. At Medibank, we do more than just health insurance. We also provide health care services. in fact We employ over 1,500 health professionals serving businesses and governments across Australia. so that we can offer our members a new kind of health support service. Our hospital coverage now includes Mi Health. Mi Health provides you with personalized support during your hospital stay and access to Medibank nurses to answer your health questions 24/7. You will have access to online health resources to help you make health decisions. and mobile health apps to manage your health while you are on the go. It is a commitment to make health insurance better for our members. Your Benefits Your employer and Medibank work together to keep you in control of your health insurance costs and save money with Health Cover: Private Health Insurance for exclusive services at a discounted price for you and your family with access to a dedicated phone line for special offers and 2 discount

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3 Welcome to Medibank Health Insurance Benefits 4 Medibank Health Coverage That Gives You More Than 6 Mi Health Better Health Support for Our Members 8 Member Choices 10 Choosing the Right Coverage 12 Choosing Health Coverage 14 Hospital Coverage 18 Additional Coverage 20 Special Health Coverage 26 Manage Your Membership Online 28 Things to Know 29 Glossary Outstanding Value 4 Consecutive Years Brochure Information This brochure is current and supersedes previously published content as of the August 2012 issue. Please ensure you read this brochure carefully and keep a copy for future reference. Membership of Medibank Pvt is subject to our rules and fundraising policies as outlined in our membership guidelines. After joining you will receive a membership guide and summary information. Special rates, rules and fund policies vary from time to time. The information in this brochure applies only to Medibank branded products. Discount rates and services described in this brochure are available to qualified individuals only. See page 29 for more information. 3

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