Compare the extra plans offered by Cessnock District Health Fund
CDH focuses on providing cover to Australians in more sparsely populated areas. It originally started in Cessnock, but now offers cover to people all around the country through an expansive hospital and provider network.
Extras plans can deliver a range of important non-Medicare benefits like dental and optical cover that let you maintain your health and the health of your family without paying too much out of pocket.
Match a plan to your health needs to start claiming benefits at a reduced cost.
What extras plans does CDH offer?
The following are the three extras-only plans available from CDH:
- Bronze. This is a standalone extras plan, but it’s only available if you also get CDH hospital cover. It includes a range of the more important and widely used health extras.
- Silver. With higher limits than bronze cover and unlimited general dental, this plan may be best suited to people who want to stay in top shape or have more specialised health needs, such as dental issues or more difficult prescription eyewear needs.
- Gold. With even higher limits, both in total and per item, this option delivers top CDH extras cover.
Note that these plans may be subject to change and you should confirm the details with CDH prior to application in order to make sure the reimbursements and limits are right for you.
|General dental||$400 annual limit||Unlimited||Unlimited|
|Scale and clean||$34||$40||$65|
|Orthodontics||$1,800 lifetime limit||$2,500 lifetime limit|
|Optical||$210||1 appliance or $240 per year||$290|
|Single lens and frames||$145||$180||$210|
|Multi-lens and frames||$185||$240||$290|
|Chiropractic||$300||$400 combined limit with other therapies||$600 combined limit with other therapies|
|Podiatry||$25 initial, $22 subsequent sessions||$25 initial, $22 subsequent||$35 initial, $30 subsequent sessions|
|Psychology||$25 initial, $22 subsequent sessions||$38 per session||$70 initial, $65 subsequent sessions|
|Acupuncture||$25 initial, $22 subsequent sessions||$25 initial, $35 subsequent||$35 per session|
|Naturopathy||$20 per session||$20 per session||$35 initial, $30 subsequent session|
|Remedial massage||$20 per session||$20 per session||$35 initial, $30 subsequent sessions|
|Devices and medication|
|Hearing aids||$500 per device, $750 limit||$800 per device and every 3 years|
|Blood glucose monitors||75% up to $400 per year||75% up to $400 per year|
|Non-PBS medication||$50 per script up to $450 a year||$700 per year, $70 per script||$700 per year, $70 per script|
Are there any additional benefits?
Ambulance cover is included with all extras plans when you also take out hospital cover with CDH.
By joining CDH, you get the benefits of a plan that covers some of the most important health extras. CDH keeps the costs down by excluding some of the features you might not need.
Instead of using a certain percent reimbursement for all items the way some health funds do, you can generally claim a set amount in order to make sure the costs are predictable and plannable. By keeping within the per item limits, you’re able to use these extras policy without having to pay any costs yourself.
Limitations and waiting periods
It’s important to be mindful of both the annual limits, or several-year limits where applicable, as well as the per item limits on the amount you can claim. You should also familiarise yourself with the waiting periods.
- 12 months. Major dental, endodontics, orthodontics and blood glucose monitors. Depending on your chosen plan, the waiting period for hearing aids may be 12 months or might extend up to 36 months.
- 2 months. All other procedures have a 2-month waiting period.
How much does it cost?
The costs vary between plans and may depend on other factors. The following are the base costs before any rebates or loadings. Bronze prices are not listed as the cost will depend on which hospital policy you accompany it with.
How do I claim?
To claim these reimbursements, you can fill out a claims form, attach receipts and other documentation and then send it to the specified address. CDH can then reimburse you the relevant costs.