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Membership of ACA Health Benefits Fund is open to the following people:
To join, all you have to do is download an application form from the health fund website, fill it out and then submit it via email or post. A Member Service Representative will then contact you when processing your application to discuss your health cover needs. Joining a private health fund offers many benefits, including private hospital accommodation and treatment, your choice of doctor or specialist, cover for the Medical Gap and cover for a wide range of general treatments. There are also financial benefits to be had by gaining the Australian Government Rebate and avoiding a Lifetime Health Cover premium loading and a Medicare Levy Surcharge.
ACA fund members can choose to take out standalone hospital or extras cover, or to combine the two forms of cover in a packaged policy. Available hospital cover options include:
General treatment cover options available through the ACA Health Benefits Fund include:
This is the fund’s comprehensive extras cover option, providing cover for an extensive range of ancillary treatments and covers:
This extras option is more affordable but does not offer a broad a range of benefits or as generous benefit limits as Complete Ancillary Cover. However, it does cover treatments such as ambulance transport, general dental, glasses and contact lenses, physiotherapy, remedial massage and more.
Your ACA Health Benefits Fund claim will not be paid if:
A wide range of factors can influence the cost of your ACA Health Benefits Fund health insurance premiums, including:
ACA Health Benefits Fund premiums can be paid via direct debit, credit card, payroll deduction, by mail or in person at the ACA Health Office.
ACA aims to make the claims process as quick and easy as possible. Many general treatment claims can be processed on the spot at the provider using electronic claiming, all you have to do is swipe your membership card. Where electronic claiming is not available, fill out an ACA Health claim form and submit it, along with the relevant receipt or invoice, to ACA via mail. For hospital claims, the hospital will request your private health insurance details whenever you are admitted. You can simply present your membership card and everything else will be taken care of. When you need to make a medical claim (for doctors’ charges and tests as an inpatient), providers that participate in the Access Gap Cover scheme will typically bill the health fund directly. When you visit a provider that does not participate in Access Gap Cover you will need to first claim your reimbursement from Medicare and then fill out a claim form to claim the remaining gap from ACA Health. You can also submit a claim online by logging in to your account or via the ACA Health Claiming app. You can download the app from the Apple Store or Google Play Store.
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