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Medicare will only cover the physio costs you incur as an inpatient in a public hospital.
When you take out extras with health insurance you can receive benefits towards the cost of physiotherapy. Plans start from around $3 per week
Below are a few funds from Finder partners who cover physiotherapy sessions. We've displayed the yearly limit and they have a 2 month waiting period. They also include other benefits such as dental, optical or chiro.
Just refine your search by 'physiotherapy' on the results screen to see your options.
Health funds cover physio on extras policies, although the benefit amounts provided will depend on the level of cover you choose. For example, a basic extras policy may only provide limited benefits or even exclude physio altogether. However, if included an extras policy will generally cover the physio-related services listed below.
Be aware that there are certain physio-related items that are not commonly covered by private health funds. These can include foam rollers, trigger balls and sports tape. Also keep in mind that services and items that can be claimed may differ between health funds and individual extras cover, so make sure to compare the features of each policy closely before making a purchase.
Depending on the health fund and extras policy you choose, your benefit amount for physio services may be calculated in the following ways.
It is also worth remembering that an annual limit will apply to the maximum rebate you are able to claim per person.
Medicare can provide benefits for physio-related treatment in the following circumstances.
However, all other out-of-hospital physiotherapy costs are not covered by Medicare and you will need to rely on your private health insurance.
No matter how active you are or what life stage you are at, there are plenty of reasons why you might be able to benefit from private health insurance cover for physiotherapy:
There are several ways you can claim physiotherapy on your health insurance, but keep in mind that your health fund may not offer all of the following claim options.
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