Medicare Teen Dental Plan
With Medicare not providing much help with dental care for most people, many families struggle to afford dental cover. This can be worrying for parents, as it may mean that youngsters struggle to maintain good oral health later on as they have not got into the habit. The Australian government has recognised this concern, and introduced the Medicare ...
Commonwealth Seniors Health Card
As you get older, you may worry about how you will be able to carry on funding your health care. For many seniors, your health needs may be changing at a time when your income is decreasing. If you already have private health insurance, you may worry about how to afford to maintain enough cover for your needs. If you don’t already have health insur ...
Health Cover for a Disability
Health insurance provides security for times when one is unable to work and support one’s basic needs. Health insurance packages vary, though. This is why it is very important to always perform a health insurance comparison prior to obtaining a policy. Disability Benefits under Private Health Insurance No disability coverage is as varied as the one ...
Private Health Fund Problems? Contact the Ombudsman!
If you’re experiencing problems with your private health fund, you may feel you have exhausted all your options. You’ve talked to representatives of the private health fund, gathered and produced necessary documents to state your case, and still feel that your questions are unanswered or that your problem is unresolved. The good news is, there’s a ...
Feeling Tired All the Time? What Your Health Insurance Covers
Are you feeling tired a lot or struggling with other worrying health issues? You’ll want to get it looked into. Many people are reluctant to consult their doctor out of fear for what it may cost. You may be aware that Medicare will cover GP consultations, but what happens beyond that? If your tiredness symptoms need further investigation, you’ll wa ...
What Medications Does Health Insurance Cover?
Australians can get cheaper medications through Medicare, courtesy of the Pharmaceutical Benefits Scheme (PBS). The PBS covers a lot of medicines, but not all. Fortunately, health insurance extras may cover non-PBS medicines. Here are some things to consider if you are not sure how medicines are covered by your health insurance. What is the Pharmac ...
Hospital Cover: Health Insurance for Inpatients vs Outpatients
If you’re not familiar with the ins and outs of hospital cover, you might assume that it doesn’t matter whether you’re in hospital as an in-patient or as an out-patient. Private hospital insurance normally covers you as an inpatient only, so anything beyond that may not be covered. Read your private health insurance policy for the full details. Wit ...
Compare Health Insurance for the Whole Family
When you’re looking to compare private health insurance for the whole family, it may often be the case that a Family policy may provide the best value for money. Within this, there will be things to think about when you’re looking to compare private health cover that will benefit everyone. How long can children remain on a family policy? For most, ...
Will Private Health Insurance Cover Everything?
When you do a simple health insurance comparison between public (Medicare) and private health insurance, it’s easy to see how the latter can supplement the former in terms of coverage. Private health insurance encompasses the benefits provided by the Medicare system, but can offer more as well. Of course, there’s no such thing as an insurance that ...
Private Health Insurance Comparison for Beginners
Through policies like the Private Health Insurance Rebate and Lifetime Health Cover, the Australian government has made private health insurance both an advantageous and appealing option. Doing a comparison of the various products offered by private health funds is the typical way to find a suitable policy for your needs. There are of course a coup ...
Sports Injuries and your Health Insurance
Millions of people take part in sports related activities on a daily basis. Unfortunately, some of these people get hurt from time to time. No matter what type of sport you are playing, there is always a chance of injury. However, this alone is no reason to stay away. After all, sports can be a lot of fun.
If you have strong private health insurance coverage, you may not have as much to worry about in the event of an injury, as some costs may be paid by your health fund. That being said, there are still a few details here and there that you should keep in mind. You may think that all sports related injuries are covered by Medicare or by your private health fund, but this is not always the case.
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Know what is covered
As with any type of insurance, you need to know what is and is not covered by your policy. If you don’t know the answer to this question, contact your insurer for a detailed explanation. Although many types of injury and treatment will be covered, it is better to be safe than sorry. When it comes to your health insurance policy, knowledge is power.
Don’t Lie or Leave Anything Out
If you were injured playing sports, you need to be open and honest about it with any doctor or medical facility that you visit. If you stretch the truth, your diagnosis and treatment may be less effective based on incorrect or incomplete information about how your injury occurred. Tell your doctor what happened and deal with the insurance ramifications at a later date. Remember, the most important thing is that you get the help necessary to ensure your long term health.
Pre-existing Sports Injuries
When you apply for health insurance, you need to make your insurer aware of any preexisting conditions. And yes, this includes those that could be related to sporting injuries. Again, this is an area in which you have to be 100 percent honest. If you have a preexisting condition it is important that this is noted in your policy. Neglecting to do so could lead to your health insurance claim being denied should you need treatment for the same (or related) conditions in the future.
Medicare provides some essential treatments for accidental injury. However, there may be other insurance features and points of coverage available through private health funds. If you play sports, there is a good chance that you may need to receive medical attention for a sports related injury at some point in time. If you have health insurance that covers the types of sports injuries you’re most likely to experience, this offers some peace of mind, not to mention the fact that it will be more affordable then paying the costs yourself at short notice.
There is no denying your responsibility to yourself – how much do you know about your health insurance cover for sporting injuries?. Of course, this is something you may want to check on with your insurer to learn more about the finer details. Playing sports is fun and exciting, but getting injured can put a damper on your good time. As long as you have adequate health insurance cover for sports injury care, you may find this financial help with the costs of treatment very useful.