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	$500 per person/ $1,000 per family	75% of the cost $50 per script	$500 per person/ $1,000 per family	60% of the cost $50 per script	$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	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
	Osteopathy
	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	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.
• *Pharmacy benefit applies after the maximum PBS amount of $34.20 has been deducted.
• 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.

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

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