What are the waiting periods for podiatry on private health insurance?

Standard waiting periods apply for extras cover including podiatry. Generally you will face a two month waiting period for general podiatry consultations and treatments. For pre-existing conditions or specific items like custom orthotics, longer waiting periods of 12 months may apply. It is always best to check with your chosen health fund for exact details.

Does private health insurance cover custom orthotics or special footwear?

Many extras policies that include podiatry will offer benefits for custom orthotics and some types of special footwear. The level of cover and the annual limits will vary significantly between health funds and policies. You may need a higher level of extras cover to receive a substantial rebate for these items. Always confirm with your health fund before purchasing.

Do I need a GP referral to see a podiatrist if I have private health insurance?

Generally you do not need a GP referral to see a podiatrist and claim benefits through your private health insurance extras cover. You can usually book an appointment directly with a podiatrist. However if you are trying to access a Medicare rebate under an Enhanced Primary Care EPC plan, you will require a GP referral. It is always a good idea to check with your health fund or the podiatrist's clinic beforehand.

Are there annual limits on how much I can claim for podiatry services?

Yes, most private health insurance extras policies will have annual limits on how much you can claim for podiatry services. These limits can vary widely depending on your policy and health fund. Some policies may have combined limits for multiple ancillary services while others have specific limits for podiatry. Once you reach this limit you will pay the full cost of any further treatments until your benefits reset for the next year.

Can I choose any podiatrist or do I need to see a preferred provider?

While you generally have the freedom to choose any recognised podiatrist, many health funds have "preferred provider" networks. If you see a podiatrist within your fund's network you may receive a higher rebate or pay a lower out of pocket cost. However you can still claim benefits for services from non-preferred providers though the rebate might be lower. It is best to check with your health fund about their preferred provider arrangements.