Are you eligible for RT Health and looking for extras cover? Find out how it works.
Railway and Transport Health Fund (rt health) is a restricted health insurance provider, which means that only certain people can join. In this case, rt health covers current or former transport and energy workers, and their family members.
The extras cover options
The three rt health extras options are:
- Value Extras: Basic and affordable
- Smart Extras: Balanced mid-level cover
- Premium Extras: Comprehensive top cover
|Value Extras||Smart Extras||Premium Extras|
|Chiropractic and osteopathy|
|Orthoptics (eye therapy)|
|Alternative and natural therapy consultations|
|Health services travel expenses|
|Health services accommodation expenses|
|Other health aids and appliances|
|Antenatal and postnatal nursing|
Additional benefits and features with rt health extras
When you’re with rt health you can get some additional benefits beyond what’s included in your plan, for example optical and dental care and insurance.
rt health operates optical practices in Surry Hills, Sydney, and Newcastle where members can get:
- 40% off frames
- Medicare bulk-billed comprehensive eye exams
- Free digital retinal photography
- A range of designer and no gap sunglasses and glasses
- Chronic disease testing for diabetes, glaucoma, macular degeneration and cataracts
Meanwhile, all members with extras cover can also enjoy Optical Prescription Spectacle Makers (OPSM) and Laubman & Pank discounts of 20% off lenses, 15% off non-prescription sunglasses and 10% off contact lenses purchased in store.
rt health has a Surry Hills dental centre where members can get a $300 no-gap preventive dental check-up, within the annual limits of their plan, including:
- Scaling and cleaning
- Bite-wing x-rays, to detect decay between teeth
- A panoramic OPG x-ray, to effectively scan all the teeth on the upper and lower jaw on a single film
- Fluoride application to strengthen teeth
- Intra-oral imaging to highlight any areas of decay or inflammation
Thanks to rt health’s partnerships with QBE and Zurich you can get:
- 40% off QBE travel insurance when purchased through rt health
- The option of purchasing Zurich EziCover life insurance through rt health.
What makes rt health extras cover different?
- You can claim up to 80% of the cost of certain health appliances with even the basic extras plan, while with many other health funds you would need to take out more comprehensive cover in order to get these benefits. For example, someone who uses appliances such as prosthetic limbs or other prostheses, blood pressure or blood glucose monitors, a TENS machine, nebuliser or wheelchair, and wants relatively affordable extras cover, might find the rt health Value Extras to be especially good value for the money.
- The major dental cover found with Premium Extras is relatively generous, and may be especially suitable for families because there’s no overarching policy limit. Instead, it has an individual major dental limit of $1,500 per year. The $3,000 annual orthodontics allowance is also quite generous, so a family who needs extensive major dental cover for the children might find Premium Extras to be a cost-effective choice.
- Compared with some other health funds, the optical benefits are straightforward. There are no sub-limits to worry about, so you can simply claim up to $200, $250 or $300 per year (depending on your plan) for prescription frames, lenses and contact lenses as needed, including irlen lenses.
- If you are able to take advantage of the rt health dental centre in Sydney, or the optical centres centre in Sydney and Newcastle, then rt health might be well worth considering.
Limitations and waiting periods
Waiting periods apply to claims, and you may not be able to claim certain services right away.
- 24 months: New hearing aids
- 12 months: Health appliances, major dental, orthodontics
- 3 months: Optical
- 2 months: Hearing aid repairs and everything else
How to make claims
You can claim on the spot when receiving services from providers with a Health Industry Claims and Payments Service (HICAPS) electronic system. Simply swipe your membership card, and pay any difference yourself.
Alternatively, you can send in a claims form within two years of receiving a covered service.
How to pay premiums
You can pay premiums through direct debit, salary deduction or a monthly, quarterly, twice- yearly or yearly billing form.
Compare your health insurance options today