Health aids & wellness

Have Peoplecare Extras cover? We might be able to help with some costs you didn’t know about! This guide includes:

  • Sleep apnoea treatments, such as CPAP machines
    • what is sleep apnoea and what is a CPAP machine?
    • what you can claim, benefits and how to claim
  • Midwifery
    • private and public home births
    • how to claim and the benefits available
  • Orthopaedic shoes and orthotics
    • what’s the difference?
    • podiatry benefits
    • types of orthotics
    • how to claim and the benefits

What is sleep apnoea?

This is when the airway in the throat closes during sleep, causing sufferers to wake up in order to breathe – up to hundreds of times a night – and therefore experience very disrupted sleep.

Source: betterhealth.vic.gov.au/health/conditionsandtreatments/sleep-apnoea

What is a CPAP machine?

CPAP stands for Continuous Positive Airway Pressure. These machines maintain air pressure through a mask connected to a pump that is designed to keep the throat airway open.

There are other treatments available, such as custom mouthguards that hold the jaw forward during sleep for mild to moderate sleep apnoea and surgery for when other therapies fail.

What could you claim for CPAP?

  • CPAP machine hire.
  • New CPAP machine purchase.
  • CPAP batteries when you purchase a new machine (not replacement batteries).
  • Oxygen concentrator and/or humidifier when you purchase a new CPAP machine.
  • CPAP masks.
  • CPAP replacement masks & machine repairs (annually if limits available).

Before you purchase or hire CPAP

  • Check that you have cover for Health Aids & Wellness as only our higher levels of cover have it (see Health Aids & Wellness table for coverage and benefits) 
  • We don’t pay any benefits for second-hand items.
  • A 2-month waiting period applies.
  • Limit resets every three financial years.
  • Purchase must come from a company with an Australian Business Number (an ABN).

How to claim CPAP machines and parts

1. Get a receipt with the following details
  • Patient name
  • Item details
  • Date the item was purchased or first date of hire
  • Price
  • Supplier name and ABN
2. Submit your receipt to claim

There are a number of ways to submit your receipt. Our page on extras claiming shows you how (see ‘How to make an extras claim’ 2 to 5 here).

 

Midwifery

Did you know you could have a baby at home on extras cover? 

While most members have their babies in hospitalsPeoplecare has benefits for Medicare-registered midwives to deliver babies in the home.A 12-month waiting period applies for this extras service.

Start with your GP

Having a baby at home is an option for some people, but the health of you and your little bundle of joy are the most important thing. Please check with your doctor whether having a baby at home is right for you.

Are there public home birth options available?

Yes, there are a range of publicly-funded home birth places available. View the home birth programs available in Australia.

How much does a private home birth cost?

We recommend you get at a quote, called Informed Financial Consent, so that you know how much it will cost before you commit to a home birth.

Some of Peoplecare’s recent claims for home births range from $750 to $5,400.

Let’s take a $3,000 home birth bill as an example on our Premium Extras cover:

  • $3,000 private registered midwife charge
  • $700 Peoplecare benefit
  • $2,300 member out-of-pocket cost

The benefits for midwifery are under Health Aids & Wellness. See the table for details to check if you're covered. 

How to claim midwifery

1. Get a receipt with the following details
  • Patient name
  • Midwife name and provider details
  • Dates of sessions
  • Cost of sessions
2. Submit your receipt to claim

There are a number of ways to submit your receipt. Our page on extras claiming shows you how (see ‘How to make an extras claim’ 2 to 5 here).

 

Orthopaedic shoes and orthotics  

Orthopaedic shoes vs orthotics

Orthopaedic shoes are customised to your feet, whereas orthotics are the slip-in inserts for regular shoes. 

Who can treat foot problems?

Podiatrists are the foot gurus. They can diagnose and treat foot conditions as well as sort out foot injuries and infections. 1

You don’t need a GP referral to see a podiatrist but if your foot problems are linked to a chronic health condition such as diabetes or arthritis, your GP can arrange for your podiatry to be covered by Medicare under a chronic disease management plan. 2 

You can also get orthotics prescribed from a whole range of other health professionals such as a chiropractor, physiotherapist, bio mechanist, pedorthist and orthotist. 

Benefits for podiatry 

This benefit is paid from the Podiatry category. 

Extras cover

Initial consult

Subsequent consults

Limit per person

Limit per family 

Premium Extras 

$50 

$40 

$500  

$1,000 

High Extras 

$45 

$35 

$400 

$800 

Mid Extras 

$40 

$30 

$200 

$400 

Simple Extras 

N/A 

N/A 

N/A 

N/A 

Details:

  • 2-month waiting period for podiatry 
  • limits reset every financial year 
  • only one initial consultation can be claimed per financial year 

Types of orthotics and why they matter 

Orthotics must be custom-made or heat-moulded and prescribed by a podiatrist, chiropractor, physiotherapist, bio mechanist, pedorthist or orthotist for us to pay on them. 

Orthotics

Peoplecare benefit*

Custom made or heat moulded 

Yes 

Off the shelf 

No 

* On some Peoplecare extras covers. See table below.  

Those off-the-shelf inserts that you find at your local supermarket or chemist can’t be claimed on your extras cover. 

How to claim orthopaedic shoes and orthotics

1. Get a receipt with the following details
  • Patient name 
  • Item details 
  • Date the item was received 
  • Price 
  • Provider name and registration details  
2. Submit your receipt to claim

There are a number of ways to submit your receipt. Our page on extras claiming shows you how (see ‘How to make an extras claim’ 2 to 5 here). 

 

The benefits for health aids & wellness

This benefit is paid from the ‘Health Aids & Wellness’ limit category, which includes services such as CPAP, midwifery, equipment & custom orthotics and orthopaedic shoes.

Peoplecare cover Benefit Limit
Premium Extras 80% $700 (per person)
max $1,400 (per family)
High Extras 70% $500 (per person)
max $1,000 (per family)
Mid Extras N/A N/A
Simple Extras N/A N/A

Details: 

  • 2-month waiting period for Health Aids & Wellness 
  • claim limit of 1 pair of orthotics every two financial years 
  • orthotics and orthopaedic must be prescribed and customised (we don’t pay on off-the-shelf products)