Claiming Tips

Claiming Tips

3 Tips to learn the extras claim game

Have health insurance but don’t know how to use it? You’re not alone. In fact, lots of you told us you’re confused by private health in our recent Member Satisfaction Survey. 

Part of the problem is that it’s complicated. Really complicated. Tax law complicated. Bad enough to make lawyers’ eyes glaze over and actuaries cry for their mothers. 

Claiming is much easier with these tips from the experts at Peoplecare.

1. Photo claim timesavers
Taking a photo of your extras receipt and claiming through our member app is the simplest way to get your claim done and avoid paperwork. Here are some quick tips to get it right first time to save you hassle:

  • Be sure to take a clear photo that’s easy for us to read
  • Just send us the provider receipt. We don’t need to see anything from HICAPS
  • Check that your name on the receipt matches the name on your policy

2. Do the CDMP Medicare and extras double 
Chronic Disease Management Plans are for chronic conditions that have lasted for at least six months. CDMP claiming allows you to get help from both the government and Peoplecare if you follow our steps. 

How does it work?
Your GP writes the plan for services that you can claim on Medicare first. Medicare usually pays for five visits. This means your visits will be free if your provider accepts the set Medicare benefit as full payment. 

For the sixth and subsequent visits you can then claim on your extras cover and start drawing down on your limits. If there is an entitlement through Medicare we cannot pay a benefit.

What can you claim for? 
Lots of services. That’s why extras cover is so handy. It will depend on the Extras level you choose, but these are some of the most popular ones:

  • Chiro
  • Dietetics
  • Exercise physiology
  • Eye therapy (orthoptics)
  • Occupational therapy
  • Osteo
  • Physio
  • Podiatry
  • Psychology
  • Speech therapy

3. Learn what you need for Health Management claims
To get the most out of your extras cover, you need to know how to get the most out of your Health Management Benefits. Unfortunately folks this isn’t a chicken or egg question. 
To claim for the following things:
  • gym equipment;
  • fitness programs; and
  • health aids; 

you need a diagnosis of a medical condition first from a medical professional. You will need to have been diagnosed for a medical condition first from a medical professional and they have made this part of a management plan for you.

How to claim
To let us know about your diagnosis, you can complete this form or simply call us on 1800 808 690. You don’t need your medical practitioner to sign it – simply declare when you were advised to start your plan and by whom.