Getting the Most from Your Health Cover
Private health insurance can help you ensure you have access to the best possible healthcare when you need it.
However, what most people may not realise is that private health insurance can be more than just a safety net or risk protection. There are a number of ways to maximise the value you receive from your health cover.
Ensure your health cover fits your life stage and lifestyle – get a FREE health cover check from any Medibank Store or call us on 132 331.
This health cover check will help you determine if you are paying for the services that you actually need. If you’re a single male who enjoys his regular footy game, you probably don’t want to pay for obstetric services but you might want physiotherapy.
Consider health cover that gives you immediate benefits on health related services:
In addition to securing peace-of-mind for unforeseen health situations, private health insurance can also play a part in helping you maintain a healthy lifestyle. You may want to explore a policy that allows you to claim benefits for health related services such as stop smoking courses or travel vaccinations.
Minimise medical expenses – choose a Members’ Choice hospital:
Medibank Private negotiates and contracts with hospitals in order to get the best value for our members. So, by choosing a Medibank Private Members’ Choice hospital you will have access to greater value. This means you can reduce your out-of-pocket expenses.
Get additional savings – choose a Members’ Choice provider for ancillary services:
The same principle applies with your optical, dental, physio and other ancillary services. By choosing a Members’ Choice provider, you can reduce your out-of-pocket expenses.
Pay less – ask for a specialist who may use Gapcover:
Should you need to see a specialist, ask your GP to recommend one who has used the GapCover billing scheme for in-hospital medical expenses or use our list of specialists in your area who may participate in GapCover. More about Gapcover
Get a quote – don’t get caught off guard:
If you know you need to seek treatment, you can call your health service provider and get a quote. Then check with your health fund to determine up-front if you will have any out-of-pocket expenses.
Ask for on-the-spot claiming
Many Members’ Choice providers offer you the opportunity to use your Medibank Private membership card to make a claim on the spot using the electronic payment system. This means you don’t have to pay and wait to be reimbursed; instead your claim is processed immediately, saving you time and money. You just have to pay the difference between the provider’s charge and the benefit we pay.
These are just some tips that will help you ensure you are getting the most value from your health cover. The key is taking control and making sure you have the right cover and the right information about your health cover.
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If you would like a Medibank Private consultant to call you, just let us know when is suitable to call you.
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Other Joining Options
Call us on:
132 331 within Australia
+61 3 8622 5780 outside Australia
8am - 8pm Monday to Friday or
8am - 4pm on Saturday,
Australian Eastern Standard Time