Teachers Health extras only cover

Compare health extras policies offered by Teachers Health.

Teachers Health was established by the NSW Teachers Federation in 1954 in order to ensure one of Australia’s most important professions had access to effective and affordable healthcare.

Today it covers more than 290,000 people all around Australia. You can join Teachers Health if you are a current, former or associate member, of an eligible education union and a current or former staff member employed by a specified organisation. Membership is also open to family members of these people.

Compare Teachers Health extras only health insurance

What extras plans does Teachers Health offer?

The two options are Essential Extras and Top Extras. As the name suggests, Essential delivers affordable cover of the essential services like preventative and general dental, optical and physiotherapy, while Top has wide-ranging benefits to suit people with more advanced health needs, or who simply want a higher level of cover.

General dental

Benefit paid (up to)EssentialTop
Annual limitPer treatment$500Unlimited
Regular dental examinations$40
  • Yes
  • Yes
Bitewing X-ray$30
  • Yes
  • Yes
Removal of calculus$70
  • Yes
  • Yes
Topical application of remineralising agent$25
  • Yes
  • Yes
Tooth removal$90
  • Yes
  • Yes
Metallic fillings$109
  • Yes
  • Yes
Surface adhesive restoration$115
  • Yes
  • Yes

Major dental

Benefit paid (up to)EssentialTop
Annual limitPer treatment$300$1,300 up to $2,800 after 6 years
Wisdom teeth removal$170
  • Yes
  • Yes
Crowns$300 with Essential
$650 with Top
  • Yes
  • Yes
Dentures$300 with Essential
$1,000 with Top
  • Yes
  • Yes

Orthodontics

EssentialExtras
First 2 years
  • No
  • No
Year 3
  • No
$1,500 lifetime limit
Year 4
  • No
$2,000 lifetime limit
Year 5+
  • No
$2,500 lifetime limit

Optical

EssentialTop
Total annual limits$165$260
Frames$100$100
Single vision lenses$95$120
Bifocal lenses$95$135
Multifocal lenses$95$165
Contact lenses$165$175
Disposable contact lenses$165$175

Other

EssentialTop
Physiotherapy, chiropractic and osteopathy
  • Yes
  • Yes
Exercise physiology
  • No
  • Yes
Speech therapy
  • No
  • Yes
Podiatry
  • Yes
  • Yes
Dietician
  • No
  • Yes
Psychology
  • No
  • Yes
Acupuncture
  • Yes
  • Yes
Remedial massage
  • Yes
  • Yes
Natural therapies
  • Yes
  • Yes
Healthy lifestyle benefits
  • Yes
  • Yes
Non-PBS pharmaceuticals
  • Yes
  • Yes
Home nursing
  • No
  • Yes
Medical appliances
  • No
  • Yes
Artificial aids
  • No
  • Yes
Hearing aids
  • No
  • Yes
Emergency ambulance
  • Yes
  • Yes

What are the other advantages of joining Teachers Health?

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.

In the case of general dental, the amount reimbursed is the same with the Essential and Top, so no matter which plan you choose you can get effective preventative dental care. With Top, however, you get unlimited general dental per year.

Essential cover also offers reasonable and affordable cover of specified major dental treatments, and may prove to be a cost-effective way of getting an important form of cover.

If you’re looking for wide-ranging cover of major dental services, however, Teachers Health standalone extras plans might fall short, even at the Top level. You are not covered for periodontics, endodontics and a range of other major dental procedures. However, the odds of needing these can be significantly reduced by effectively using the generous preventative dental cover available.

With both plans you can also access a range of healthy lifestyle benefits to reimburse you 75% of the cost of pre-approved health programs. With Essential cover you can get back up to $150 a year, and with Top up to $200 per year for programs including:

  • Weight management
  • Gym membership
  • Pilates
  • Yoga
  • Disease management subscriptions or memberships
  • Preventative health screening services
  • National Healthy Eating Activity and Lifestyle (HEAL) program

As a restricted community health fund, Teachers Health is also focused on its members, and constantly reinvests surplus profits back into the Fund and its services. As Australia’s largest industry-based health fund, and one of the fastest growing, it’s dedicated to finding more ways to better service its members with partnered providers.

This is done by offering a range of evidence-focused health practitioners and experts for the benefit of members, to help you better understand your health needs. Following through is also easier, thanks to some of the discounts you can access as a Teachers Health member, including:

  • AOK. 15% off a wide range of exercise equipment from AOK
  • Jen4Men. Get 25% off the price of any new Jen4Men membership, to access weight- loss programs that can help you shed weight and keep it off
  • Step Into Life. Teachers Health members and up to five family or friends can get three free sessions with Group Outdoor Personal Training
  • Great Ideas in Nutrition. Free postage for healthy meals delivered to your door

What are the annual limits and waiting periods?

There are limits to the amount you can claim, both per year and per treatment. Waiting periods also apply as follows:

  • 26 months. Orthodontics
  • 12 months. Medical appliances, health aids, hearing aids, major dental
  • 6 months. Optical, healthy lifestyle benefits
  • 2 months. Non-PBS pharmaceuticals, therapies, general dental and everything else not otherwise specified
  • 1 day. Emergency ambulance cover

How do I make payments?

You can pay your premiums in any one of three ways:

  • BPAY. Set up a direct transaction through your bank
  • Phone. Pay with Visa and MasterCard over the phone
  • Online. You can pay premiums online with credit card

Curious about how to make a claim?

Benefits are only paid if you visit providers recognised by Teachers Health Fund at the time the service is provided. Benefits are also limited to one patient per provider, per day.

If you have multiple consultations from the same provider in the same day, for example, you won’t be able to claim more than one of them.

Often, you will be able to make claims simply by swiping your membership card when visiting the provider.

Otherwise, you can do it online or through the Teachers Health app, simply by taking a photo of your receipt and uploading it.

Richard Whitten

Richard is a home loans expert at finder. He can help you navigate the complex world of home loans and find a better deal.

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