Using Your Cover

Get better value by choosing Members’ Choice

Medibank’s Members’ Choice network can help you get better value from your health cover.

Written by Medibank
Image of smiling patient looking at camera at the dentist s

Everyone loves getting great value, so we created the Members’ Choice network to help you get extra value from your health cover.

When you’re going to be admitted for a hospital treatment or surgery, you may want to find out if your doctor works out of a Members’ Choice Hospital.

And when you’re using your extras, double check that you've chosen a Members' Choice provider before making an appointment to check you're getting the best possible value. The extras network includes dentists, physios, chiros, podiatrists, optical retailers and more.

Members’ Choice Hospitals

If a hospital is part of our Members’ Choice network, this means that we have an agreement with them, covering how they’ll offer services to our members. You’ll find Members’ Choice hospitals and day surgeries all over Australia. You can check to see which hospitals are in our Members' Choice network online, chat with us online or call us on 132 331.

To be admitted as a private patient at a Members’ Choice Hospital, you must have hospital cover that specifies that you’re eligible for the treatment or service you need.

Choosing a Members' Choice hospital may reduce your out-of-pocket expenses because the amount you can be charged for the hospital admission is limited. Getting your treatment outside the Members’ Choice network could mean higher out-of-pocket expenses.

You may still have to pay for any services or treatments that aren’t included or are restricted in your cover, any excess that applies to your policy, for any medications that aren’t covered under our agreement with the hospital, medical out-of-pocket expenses associated with your procedure or treatment in hospital, and for any gap payments that apply to prosthetics. Find out more about out-of-pocket costs here.

Members’ Choice providers

When you’re claiming for extras, using our Members’ Choice network makes sense. Whether you’re looking to have your annual dental check-up, to get a new pair of glasses or to have a remedial massage or get in a physio session, using a Members’ Choice provider is the key to getting more from your cover*.

Choosing a Members’ Choice provider for your extras generally means that you’ll pay less in out-of-pockets costs than you would if you used a provider outside our network. Most prices charged are capped, so you can find out how much you will have to pay upfront.

Here's an example of how you might do better with a Members' Choice provider.

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

Benefits are subject to annual membership limits and waiting periods.
#Average charge in NSW for a subsequent physiotherapy consultation between July – Sept 2016

Plus, if you have Medibank extras cover for 2 months or more, you can get 100% back on up to two dental check-ups every year, including x-rays, at any Members’ Choice Advantage dentist.^ You can find your nearest Members' Choice Advantage dentist, or other extras providers in our Members' Choice network online.

Our Members’ Choice network is another way that Medibank is helping you to be better. You need to know that our agreements with Members’ Choice providers are subject to change without notice. Make sure that you double check that you’ve chosen a Members’ Choice provider before making an appointment or having treatment. Also be sure to check your cover for any limits and waiting periods.

^ 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.

* Up to annual limits, waiting periods apply. Excludes some items.

^ 2 month waiting period applies.

Written by Medibank

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