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Members' Choice


Better value, transparency of cost, and a wider range of available services. Just some of the benefits of choosing Members’ Choice, one of the largest health provider networks in Australia.

Members’ Choice Hospitals

Medibank has arrangements with most private hospitals and day surgeries in Australia, so members can generally get better value for covered treatments than if they were to go to a non-Members’ Choice hospital.

Members’ Choice providers

We’ve negotiated with a number of providers so you may enjoy better value when you need an extras service. Our Members' Choice extras network covers more types of services than any other private health insurer, and includes:

  • Dentists
  • Dental prosthetists
  • Optical retail outlets
  • Chiropractors
  • Physiotherapists
  • Podiatrists
  • Acupuncturists
  • Remedial massage therapists

Benefits of visiting a Members' Choice provider:

  • Capped prices so there are no surprises in your bill^
  • Discounts at optical retailers and for orthotics
  • Percentage back of charge. This could be 55%, 70%, 85% or 100% depending on your cover*
  • A wider range of extras services than other insurers
  • Generally lower out-of-pockets than non-Members' Choice providers
  • Free dental check-up and clean every year at any Members’ Choice dentist, over and above your annual dental limit (excludes X-Rays and a two month waiting period applies).

How does it work?

Here's an example of how you can do better with Members' Choice. 

Elizabeth has Top Extras 70 cover and lives in NSW. The table below shows, typically, how much she can save when she visits a Members' Choice physiotherapist for a consultation.

  Members' Choice provider Non Members' Choice provider
Charge $63.00 (capped charge) $76.00#
Benefit payable $44.10 (70% of the charge) $40.00 (fixed benefit)
Out of pocket cost $18.90 $36.00

Benefits are subject to annual membership limits waiting periods.

Our agreements with Members' Choice providers are subject to change without notice. Please confirm prior to receiving treatment whether your provider is part of our Members’ Choice network.

You can search for your local Members' Choice providers.

For more information please call us on 132 331 or visit a Medibank store.

The information above is current at January 2017.

^ - excludes optical retail outlets

* - for eligible services up to your annual limit.

# - Average charge in NSW for a subsequent physiotherapy consultation between July – Sept 2016.

Things you should know

~ Limited to two dental check-ups on all extras annually. Maximum two bitewing x-rays per check-up, where clinically needed. Not available in all areas.

^Waiting periods apply. Up to annual limits, Some lens coatings excluded.

# For Accidents that occur after your cover starts and for which treatment is sought within 7 days. Excludes claims covered by third parties such as WorkCover and our Private Room Promise. Out of pockets may apply.

+ Not available in all areas. Must have eligible hospital cover, all relevant waiting periods must have been served and treating doctor must consider it appropriate. Out of pocket expenses may apply.

* Some claims, like paper based, may take longer to update. If you have Visitors Health Insurance, Working Visa Health Insurance or Overseas Student Health cover, you may not be able to use all the features.

‡ OFFER EXTENDED TO 31 JULY: For new members on new memberships who join and start eligible combined hospital and extras from 1 April – 31 July 2020 and who have not held Medibank health cover in previous 60 days. Must quote promo code 6FREE and set up direct debit when joining. Must maintain direct debit and hold eligible product for 30 continuous days from the policy start date to get next 6 weeks free. 2&6 month waits waived on extras: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you’ve reached your limits from a previous fund you may not be able to claim straight away. Excludes Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers and other selected covers. Not available with any other offer.

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