Making The Most Out of Private Health Insurance Extras

bettina44 on 18/05/2025 - 19:11
Last edited 18/05/2025 - 19:28 by 1 other user

I just got top cover private health insurance for Qantas points but also because of necessity. Are there any podiatrists, physios, dietitians, acupuncturist etc around Sydney that anyone can recommend for no to little gap while I have fancy pants cover?

My limits seems to be generous with a 75% rebate.

I just recently claimed remedial massage from my cousin who gave me a discounted rate.

And the dentist I saw today offered me veneers for my two front teeth which is usually only covered under major dental but he put it in as general dental for me.

Or perhaps there are OzBargainers who work in healthcare who could offer us mates rates?

Health & Beauty Ancillary Health Insurance Health Insurance Insurance

Comments

  • MS Paint on 18/05/2025 - 19:26
    +10

    And the dentist I saw today offered me veneers for my two front teeth which is usually only covered under major dental but he put it in as general dental for me.

    FFS, that why we are all getting screwed with extras. Fraudulent claims. FFS.

    • bettina44 on 18/05/2025 - 20:52
      -2

      -shrug- I asked if it was general dental or major dental. He said general. I didn’t ask him to put it under another line item.

      • RockyRaccoon on 18/05/2025 - 21:21
        +3

        If the Dentist cant know the difference, I would be very careful about their procedures skill.

        Veneers can be rather fraught with issues. I suggest a simple search under "issues with veneers"

        A long term issues when overtime they deteriorate.

  • holdenmg on 18/05/2025 - 19:43

    Can you clarify who your PHI Extras insurer is, is it Qantas Health (NIB).
    Just check on any waiting periods on Extras unless you have some deal where that has been waived…

    • bettina44 on 18/05/2025 - 20:49

      Yep, you have to call up to get it waived. They will also offer you a few more points to sweeten the deal.

  • YesPleaseThankYou on 18/05/2025 - 20:42

    I just recently claimed remedial massage from my cousin who gave me a discounted rate.

    Interesting. Many funds prohibit claiming for services provided by related parties.

  • emblurr on 19/05/2025 - 11:04
    -2

    I know an Optometrist in Melbourne that will let you get non-prescription sunglasses. eg. Ray Bans

    • YesPleaseThankYou on 19/05/2025 - 11:47
      +1

      I know an Optometrist in Melbourne that will let you get non-prescription sunglasses. eg. Ray Bans

      Imagine studying for all those years to obtain the required qualification and registration, then doing what is described above.

      • emblurr on 20/05/2025 - 14:00

        I got sunglasses for years with them. They get $200, I get sunglasses. Otherwise the $200 optical rebate goes to the healthcare company. Now I get proper prescription glasses through them. It's a win for them and me.

  • ihbh on 19/05/2025 - 16:14
    +1

    Get a b**b job.

    Seriously, what a low life. You don't have to get all of your money's worth from insurance. Just having the coverage gives the money's worth.

    • swamp potato on 19/05/2025 - 16:49
      -1

      Whilst I agree that this is scummy, “extras” health insurance is an optional add on and not really health insurance.

      It’s just a fee that gives you a specific amount of usage for random services from various categories.

      • YesPleaseThankYou on 19/05/2025 - 16:51
        -1

        “extras” health insurance is an optional add on and not really health insurance

        Wrong. Tell that to a health insurance fraud investigator and see what they say to you.

        • swamp potato on 19/05/2025 - 17:12

          What would the fraud team care over me saying extras insurance is not the same as hospital?

          • YesPleaseThankYou on 19/05/2025 - 17:17

            @swamp potato:

            What would the fraud team care over me saying extras insurance is not the same as hospital?

            That's not what you said above. You said:

            Whilst I agree that this is scummy, “extras” health insurance is an optional add on and not really health insurance.

            It’s just a fee that gives you a specific amount of usage for random services from various categories.

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