Services | Extras Cover
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Services

You decide what health services you spend your money on and when.

You are limited to your account balance..

Now that is different!

Services covered extra

Ancillary Health

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Hospital Gap

Pay your hospital “GAP” from your funds with XHP

Hospital Gap

You can pay hospital gap that arises from your XHP account. 

A "GAP" arises when the fees and charges of the treating doctor are not covered in full by Medicare and Health Fund payments.

Example

You had to have your tonsils removed. The fee quoted for the procedure is $1200 by your treating doctor and the total amount covered is $700 by Medicare and your health insurance company. Then you are left with a gap of $500. 

Your funds in XHP can be used to pay the "GAP"

gp visit gap

GP visit GAP

Fund your out of pocket expense for your GP visit not covered by Medicare from your account

GP visit GAP

General Medical Practitioners more commonly known as "GP" often have two systems of billing. 

Bulk Billing, is where the "GP" invoices Medicare Australia for the 

 

Private Billing

medication review

Medication

Medications adding up – Fund the prescription cost from your XHP account balance

Medication


Medications adding up – Fund the prescription cost from your XHP account balance

chiropractic insurance

Dentist

The cost of dental care may be a barrier to regular dental attendance with the rising cost and GAP

Dentist

The cost of dental care may be a barrier to regular dental attendance with the proportion of the Australian population avoiding or delaying care due to cost increasing since 1994, this despite the fact that private health extras cover insurance has been. Data from APRA1 for the quarter ending June 2018, shows that individual paid an average of 45% gap over and above the contributions paid to private health insurance companies for extras insurance cover. Australian Dental Associations Oral Health Tracker, shows that costs associated with dental care being the top most of the list of reasons why Australians have avoided the dentist. The other reasons being fear of the needle, chair and pain. That said, a good number of people with extras cover do not use their cover according to finder.com.au This is where XHP comes to the rescue. All unused funds accumulate for the member and over time has the potential to create a nest egg to pay for health needs that they need potentially addressing the biggest reason people have avoided dental visit as suggested by ADA. Dental disease is mostly preventable and regular visits to the dentist also has the potential to keeps costs under control as things could be nipped in the bud before getting to big and painful. XHP put you front and center in decisions you make about your health needs. So if you need more this year for your dental health you may not have out of pocket expenses as you most likely would have accumulated the funds over time. private-health-insurance-statistical-trends

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Optical

Good vision is a blessing until you are confronted with poor vision, something a lot of take for granted.

Optical

Good vision is a blessing until you are confronted with poor vision, something a lot of people take for granted. Age and other factors can affect your eyesight which can often be prevented or early preventive actions be taken to slow down progressive degeneration of your sight. Consultations by Optometrists are covered by Medicare Australia for the assessment of your vision and prescription of optical appliances. Medicare does not provide assistance towards the cost of optical appliances and it is largely up to you as the individual to pay for the spectacles or contacts that you choose. Some of the common eye conditions that can be picked up are

 

  • Dry eyes: Seen more commonly in people who use digital devices
  • Pterygium: If you surf a lot or are exposed to UV light a lot you would know about it.
  • Cataracts: When eyes get clouded over obstructing good vision
  • Glaucoma: A more serious condition that can damage vision
  • Astigmatism: Trouble with focusing, easily corrected with spectacles
  • Then there are more serious conditions all of which the Optometrists can quickly and easily diagnose

Prescription glasses can set you back a few hundred dollars and a lot more if you need multifocal lenses. Extras health cover offered by private health insurance covers Optical services and often provide no gap optical aids with certain Optical stores that are aligned with them. Your choice of the frame is limited to what the stores offer and if you want something else, you will have to fork out money on your own. Similarly coatings on the lens may not be covered. You can use your funds in XHP to pay for optical appliances that you need and what you want without being limited to choice. In time as we develop our alliance with Optical Stores and Optometrists we will also offer the same level of costs of appliances as offered currently. You can also choose to use your funds at Optometrists who are not in alliance and still use the funds in your account to pay for the appliance. Use the fact sheet by Optometrists Australia as to what an optometrist can do

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Physiotherapy

Physiotherapists are highly qualified health professionals who work in partnership with their patients

Physiotherapy

Physiotherapists are highly qualified health professionals who work in partnership with their patients to help people get better and stay well. Physiotherapists also work closely with GPs and other health clinicians to plan and manage treatment. GPs refer more patients to physiotherapists than any other healthcare profession. Using advanced techniques and evidence-based care, physiotherapists assess, diagnose, treat and prevent a wide range of health conditions and movement disorders. Physiotherapy helps repair damage, reduce stiffness and pain, increase mobility and improve quality of life. Physiotherapy extends from health promotion to injury prevention, acute care, rehabilitation, maintenance of functional mobility, chronic disease management, patient and carer education and occupational health.

Source: Physiotherapy Association Australia

COMMON REASONS PEOPLE SEEK HELP

All Australians can benefit from physiotherapy at some point in their lives. While it is well-known that physiotherapists treat injuries, increasing numbers of Australians are coming to physiotherapists when they want to take control of their health and stay well. Some of the needs physiotherapists address include:

  • Cardiorespiratory – prevents, rehabilitates and supports people living with, or at risk of diseases and injuries affecting the heart and lungs, such as heart disease or asthma. Physiotherapists help patients prepare for or recover from surgery, and prescribe exercises and other interventions to improve quality of life.
  • Cancer, palliative care and lymphoedema – addresses a range of patient needs, including treating, managing or preventing fatigue, pain, muscle and joint stiffness, and deconditioning.
  • Continence and women’s health – manages and prevents incontinence and pelvic floor dysfunction in men, women and children. Physiotherapists work in areas including pregnancy, birth, post-partum care, breastfeeding, menopause, bedwetting, prolapse, loss of bladder or bowel control, and with men living with or recovering from prostate cancer.
  • Supporting older Australians – uses evidence-based care to promote healthy and active ageing among older Australians. Working in home and residential aged care settings, physiotherapists help manage or prevent the effects of conditions or risks such as osteoporosis, incontinence and falls.
  • Musculoskeletal – prevents and treats clients with musculoskeletal conditions such as neck and back pain. Techniques include addressing underlying problems, preventing strain and injury, and prescribing exercises and other interventions to promote mobility.
  • Neurology – promotes movement and quality of life in patients who have had severe brain or spinal cord damage from trauma, or who suffer from neurological diseases such as stroke, Parkinson’s disease and multiple sclerosis.
  • Orthopaedic – helps patients prevent or manage acute or chronic orthopaedic conditions such as osteoarthritis, rheumatoid arthritis and amputations. Physiotherapists also help patients prepare for or rehabilitate from orthopaedic surgery, or another orthopaedic hospital admissions.
  • Occupational health – supports the health and wellbeing of workers, reduces safety risks in the workplace, prevents and manages injuries and diseases, and support workers in returning to work.
  • Paediatric (supporting infants and children) – aims to prevent conditions such as plagiocephally (misshapen head) or support a child’s development such as addressing milestone delays with sitting and walking, clumsiness, or hyperactivity.
  • Pain – manages or prevents pain and its impact on function in patients using a psychologically informed and interdisciplinary approach. Physiotherapists work with other health and social-care professionals to manage pain at the acute stage of an injury or condition, including through identifying psychosocial risk factors that may lead to chronicity.
  • Sports – prevents, diagnoses and treats musculoskeletal and sporting injuries among all types of people, from professional athletes to everyday Australians.
  • Acupuncture and dry needling – which helps to manage both chronic and acute conditions such as sprains and strains, spinal dysfunction, arthritis and neurological conditions.
  • Aquatic – using a pool, physiotherapists treat patients with a multitude of conditions using hydrotherapy including sports injuries, post-operative and orthopaedic conditions, spinal pain and/or injuries and arthritis. Aquatic physiotherapy is popular for aged care.
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Psychology

Psychology is the study of the human mind and its wide-ranging functions and influences. Psychological

Psychology

Psychology is the study of the human mind and its wide-ranging functions and influences. Psychological research advances our understanding of human emotion, personality, intelligence, memory, perception, cognition, attention, and motivation, as well as the biological processes that drive these human functions and behaviours. In essence, psychology studies individuals and groups to better understand how people, communities and societies function and ways to help them thrive. It is not unusual for people to experience stress, sadness, conflict or grief from time to time and most people recover themselves. However sometimes professional help will help you to rebound a lot quicker and get back to being you. Mental health issues are on the rise and is being talked about more openly. Many programs such as R U OK? Are promoting public awareness of the problem that is affecting so many Australians. Beyond Blue has been raising public awareness and has a host of resources. There are no yearly limits that apply to you accessing funds in your account when you need help the most. You are only limited by your account balance.

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Speech Therapy

Speech is the most commonly used method of communication and understanding another person

Speech Therapy

Speech is the most commonly used method of communication and understanding another person involves and comprehending what is being said by the person. This is where a speech therapist comes in, they are experts when it comes to dealing with issues associated with speech and swallowing. They are able to help with a wide variety of conditions such as delayed speech, Phonation and articulation issues, speech disorders, Language delays and disorders which may include the comprehension of verbal and non verbal context of communication. Other conditions such as stuttering, swallowing and feeding disorder across the whole age spectrum is something a speech therapist is able to help with.

According to the information on Allied Health Professions Australia, speech therapist can work with people who have difficulty communicating because of developmental delays, stroke, brain injuries, learning disability, intellectual disability, cerebral palsy, dementia and hearing loss, as well as other problems that can affect speech and language.

In Australia, speech therapy is provided both by Public and Private sectors and some of the costs associated with treatment is covered by medicare.

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General Practitioner

In the medical profession, a general practitioner (GP) is a medical doctor who treats acute and

General Practitioner

In the medical profession, a general practitioner (GP) is a medical doctor who treats acute and chronic 

Simple Facts about Xtras Health Plan Savings Scheme.

Facts about XHP that you need to be aware of.

  1. Xtras Health Plan Savings Scheme is not suitable for Hospital Cover. It is a replacement for extras health cover only. 
  2. Xtras Health Plan Savings Scheme is not an insurance policy. It is a dedicated Health Savings Account.
  3. Your account balance determines the funds you have for your health needs.
  4. Use the funds for extras health needs, hospital gaps, GP visit gap, diagnostic and medication that you need.
  5. Unused balance rolls over every year.

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Proudly Australian for Australians

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Suite2, 36 Macaree Street,
Berserker, Rockhampton,
Queensland 4701
Phone (07) 4807 6424
Email [email protected]

Xtras Health Plan Ltd – AFSL500574
Xtras Health Plan Savings Scheme – ARSN 627076411
Xtras Health Plan Ltd – ACN 618020885

Xtras Health Plan Savings Scheme (Xtras) is not an insurance policy and you should consider your personal circumstances before deciding whether to open an account. Funds deposited to an account will not be eligible for a private health insurance rebate. Xtras may be considered as a replacement for or to act supplementary to private health insurance depending on your personal circumstances. Xtras Health Plan Ltd does not warrant that Xtras is suitable for your personal circumstances and you should consider your health and financial needs before deciding whether to open an account. There is a risk that you may have insufficient funds in your account to meet the costs of health treatment depending on the treatment required and amount deposited to your account.

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