Service		Gold Extras		Silver Extras		Bronze Extras
		Benefit	Annual Limit	Benefit	Annual Limit	Benefit	Annual Limit
General Dental	Basic Restoration (fillings)	Set benefits per dental item	No annual limit	75% of cost	$550 per person	60% of cost	$500 per person
	Diagnostic Services
	Extractions
	Oral Surgery
	Periodontics
	Endodontics (Root Canal Therapy)
High Cost Dental	Crowns & Bridges	Set benefits per dental item	$1,000 ($1,500 loyalty limit)
	Dentures		$650 ($840 loyalty limit)
	Implants		$1,000
	Orthodontics	80% of cost	Lifetime Limit - $2,100 ($2,600 loyalty limit)
Optical	Glasses & Contact Lenses	100% of cost	$300	100% of cost	$180	100% of cost	$150 1 set per year
	Laser Eye Surgery		$500 per eye
Pharmacy	Prescriptions only	100% of the cost $65 per script  (after PBS amount*)	$500 per person/ $1,000 per family	75% of the cost $50 per script  (after PBS amount*)	$500 per person/ $1,000 per family	60% of the cost $50 per script  (after PBS amount*)	$350 per person/ $700 per family
Physiotherapy and other therapies	Physiotherapy	Initial Consultation $40 Consultations 2 – 10 $30 Consultations 11+ $20	$550 per person/ $1,100 per family	75% of cost	$450 per person/ $900 per family	Initial Consultation $35 Consultations 2 – 10 $25 Consultations 11+ $15	$350 per person/ $700 per family
	Occupational Therapy	Initial Consultation $60 Subsequent Consultation $35
	Hydrotherapy	80% of cost to $10 Limit - $200 per person / $400 per family
Chiropractic	Chiropractic & Osteopathy	Initial Consultation $35 Consultations 2 – 10 $25 Consultations 11+ $15	$550 per person/ $1,100 per family	75% of cost	$450 per person/ $900 per family	Initial Consultation $35 Consultations 2 – 10 $25 Consultations 11+ $15	$350 per person/ $700 per family
	Chiropractic Xray	80% of cost				60% of cost
Complementary Therapies	Remedial Massage	Initial Consultation $35 Consultations 2 – 10 $25 Consultations 11+ $15	$435 per person/ $870 per family	75% of cost	$350 per person/ $700 per family	60% of cost	$170 per person/ $340 per family
	Myotherapy
	Homeopathy
	Naturopathy
	Herbal Medicine Consultation
	Acupuncture
	Podiatry
	Dietetics
Other benefits	Orthotics	80% of cost	$250 per person/ $500 per family every 2 years
	Pre / Post Natal Classes	80% of cost	$150
	Home Nursing	80% of cost up to $45 per visit/ $90 per day	$1,000
	Speech Therapy	80% of cost	$800
	Hearing Aids	80% of cost	$1,500 every 5 years
	Psychology	Initial consultation - 80% up to $120 Subsequent consultation - 80% up to $60	$500 per person/ $650 per family
	Allergy Treatment	80% of cost	$100
	Surgical Equipment/ Health Aids Sub-limits apply. Contact us for more info.	Year 1 50% of cost Year 2 50% of cost Year 3 60% of cost Year 4 70% of cost Year 5+ 80% of cost	$400 $625 $750 $875 $1,000
	Health Management Programs	100% of cost	$150 (single)/ $300 (family)	100% of cost	$125 (single)/ $250 (family)	100% of cost	$100 (single)/ $200 (family)
Ambulance	National ambulance cover	100% of cost	No annual limit	100% of cost	No annual limit	100% of cost	No annual limit

General Conditions

• Annual limits are per person unless specified otherwise.
• Optical benefits apply when prescribed by a registered optometrist. Benefits will only be paid where sight correction is necessary. No benefit is payable for sunglasses.
• High Cost Dental: Loyality Limits apply after 5 years of continuous membership on Gold Extras.
• There are no pharmacy benefits for contraceptives or over the counter medicine.
• Annual limits are for a financial year. i.e. 1 July – 30 June.
• Please see fund brochure or cover description for full product information.
• We recommend you contact the Fund to confirm your benefits before undergoing treatment.

 *Pharmacy benefit applies after the maximum PBS amount of $36.10 has been deducted.

Extras Cover - What we won’t pay for

• Treatment within your waiting periods
• Any treatment with a Medicare benefit
• Services outside Australia
• Treatment covered by compensation or some other insurance (like third party or sports club insurance)
• Claims made more than 2 years after your treatment
• Pharmaceutical Benefits Scheme (PBS) prescriptions, contraceptives or over the counter medicines
• Contact lenses or glasses without sight correction, including sunglasses
• Services from a provider who isn’t registered or recognised by Peoplecare
• Services given to you by a family member, relative, business partner or yourself
• Services for sport, recreation or entertainment
• Ambulance subscriptions or state-based ambulance levies
• Ambulance services paid for by the government, compensation or another type of insurance
• Ambulance services that aren't medically necessary
• First aid kits or courses
• Receipts issued by any third party, such as group buying websites or group deals
• If using a gift voucher, we won’t pay a benefit for the difference between the cost of the service and the value of a voucher. (For example, if you use a $60 voucher to pay for a $40 service, you can only claim back the $40 as the official fee on the receipt for that service)
• A benefit that’s higher than the amount you paid for the service. For example, if you received a physio treatment discounted from $65 to $30, you can only claim the fee you actually paid for the service ($30)

Other important info

There are some other important things you need to know about your extras cover.

Here’s a quick list, so please make sure you read more about these things:

• Waiting periods
• Transferring from another health fund
• Loyalty Bonuses
• Registered Providers
• How to claim