Health aids & wellness

Have Peoplecare Extras cover? We might be able to help with the cost of:

  • certain sleep apnoea treatments such as CPAP machines.
  • midwifery

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.

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

  • 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).

Midwifery

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

It’s not very commonly used, but Peoplecare does provide benefits for Medicare-registered midwives to deliver a baby in your home. A 12-month waiting period applies for this extras service.

Start with your GP

While this is a highly affordable option for private pregnancy, the health of you and your little bundle of joy are of far more importance. Please check with your doctor whether having a baby at home suits you. If it’s your first child, you may want to consider having your baby in hospital just in case you run into complications in labour.

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 health aids & wellness

This benefit is paid from the ‘Health Aids & Wellness’ limitcategory includes services such as CPAP, midwifery, equipment & orthotics.

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

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).

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).

 

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