Love the little extras

Love the little extras

 

Choosing an extras cover is easy. We have 3 different levels – Gold, Silver and Bronze, so you can choose the best one for your needs & budget. Here’s a quick summary.

To get the full product info, select a level to view the Cover Description.

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