How can CDH cover your ambulance costs?
If you live outside of Tasmania or Queensland, the cost of an ambulance can run well over a thousand dollars. If you don’t have ambulance cover, you might have to pay big out-of-pocket expenses. Cessnock District Health Fund (CDH) offers two ways to help reduce the cost of ambulance rides.
What are my options?
CDH offers ambulance cover with their hospital and combined plans. It also offers an ambulance-only plan, which may be a more affordable alternative to a state ambulance subscription. This policy only covers you for emergency ambulance services.
CDH will give you cover for services provided by state government ambulance schemes and contracted services providers, such as the Royal Flying Doctors, in the following situations:
- The service is medically justified.
- You require a hospital admission following ambulance transport.
- It’s an emergency ambulance call-out to your home, even if you are not subsequently admitted to hospital.
Because it’s a health fund that’s largely focused on regional areas, CDH can also cover you for certain ambulance transfers between hospitals, either where medically necessary to move you or if you're far away from home when you have an accident.
These features aren't available on all ambulance policies so it might be useful if you live in a regional area.
You are not covered for the following ambulance services:
- Ambulance transport between public hospitals where one of the hospitals is responsible for the cost.
- Not medically necessary transport to and from hospital.
- Transport to and from hospital when viable alternative transport is available, such as if you would have been fine taking a taxi.
- Transport to outpatient departments or day centres, if ambulance transport is not deemed to be necessary by a medical practitioner.
Do I need ambulance cover?
If you’re a resident of Queensland or Tasmania you’re automatically covered under a state scheme so you don’t need ambulance cover.
In New South Wales and the Australian Capital Territory, your hospital health insurance policy should cover you for ambulance fees. It's worth a check just to be sure.
In Victoria, Western Australia, the Northern Territory, and South Australia, and you do not have an eligible concession card, it's is generally a good idea to look for some type of ambulance cover.
You can get ambulance cover through a range of hospital plans as well as through some extras plans from certain health funds. Alternatively, you can take out an ambulance-only plan from health funds such as CDH or purchase a state ambulance subscription.
Typically, it’s more cost-effective to get ambulance cover with a health fund than with a state ambulance subscription, although the exact types of ambulance services and transport you’re covered for may vary.