Top 3 features
- Good for teachers and their families.
- Good for attractive health member benefits
- Beware if you're looking for wide-ranging cover of major dental services.
If you, or someone in your immediate family, works in the teaching community, Teachers Health is designed just for you. They keep Extras cover simple with two options to cover dental, physio, optical, and other services.
Teachers Health's two Extras Only policies are Essential Extras and Top Extras.
Rather than reimbursing you only a percentage, Teachers Health offers generous flat sum reimbursements for covered health extras, with a handful of minor exceptions. This makes it easier for you to get use out of your cover without needing to pay anything out of pocket.
|Extras||Essential Extras yearly limit||Top Extras yearly limit|
|Natural Therapies including;|
|Chiropractic and Osteopathy|
|Hypnotherapy consultation or session|
|Medical appliances - CPAP machine purchase|
|Medical appliances - CPAP accessories purchase|
|Artificial aids including;|
|Emergency ambulance transport|
Members of Teachers Health are also able to take advantage of the following extra benefits:
Benefit limits are per calendar year, from January 1 to December 31. Once a benefit limit is reached over the course of a calendar year it will not be refreshed until January 1 of the following calendar year.
Benefits are limited to one service per patient, per provider, per day, so you won't be covered for multiple visits to the same provider on one day.
There are some out of pocket expenses that you have to pay for Extras, which is the difference between what the provider charges and the benefit we pay.
There are limits to the amount you can claim, both per year and per treatment. Waiting periods also apply as follows:
If you need to make an extras claim with Teachers Health, you can do so in the following ways:
As for bills from your doctor or specialist, if the doctor or specialist participates in Teachers Health's Access Gap Cover program then they will send the bill directly to your health fund. If they do not participate in the program, you will need to take the bill to Medicare to be processed before Teachers Health can pay any benefits.
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