Written by Care To Compare
Private health insurance can provide rebates in addition to the rebates you might be eligible for from a range of government agencies.
Private health insurance and OSTEOPATHY
Osteopathy rebates are generally available under Extras Cover. The benefits available will depend on your level of cover and may have an annual cap.
Some health funds offer better osteopathy benefits than others.
Some osteopath benefits may be combined with other services like chiropractic and physiotherapy under an annual cap.
Here are some things to think about when you buy or review your private health insurance:
- Who needs cover? Is it for you, your partner or your family?
- What type cover do you want? Extras only Cover (to cover osteopathy), Hospital Cover or both Hospital and Extras Cover?
- What benefits are included? Our team can help you compare policies side by side so you know what benefits are included.
When you see an osteopath as a private patient there may be a gap payment. A gap payment is the difference between what your health fund will cover and the fee charged by your osteopath. Your osteopath has no control over what rebate your health fund will provide.
If you need some help to figure out the best health insurance with psychology benefits or psychiatric services please contact our team on 1300 76 76 00.
MEDICARE AND OSTEOPATHY
Medicare rebates for osteopathic services are available for patients with a Chronic Disease Management (CDM) plan. The governments CDM program enables a doctors (a General Practitioner) to refer patients with a CDM plan for up to 5 allied health professional consultations in a calendar year.
Your doctor needs to facilitate the referral to an osteopath as part of your CDM plan. Your doctor will decide if you would benefit from osteopathy as part of your plan.
If eligible, your osteopath will provide regular reports back to your doctor so they can review and revise your overall CDM plan.
NATIONAL DISABILITY INSURANCE SCHEME (NDIS) and OSTEOPATHY
If you are an NDIS client that self-manage an individualised funding package you need to consult your case manager to see if osteopathic services can be paid for with you package funds.
WORKCOVER AND OSTEOPATHY
If you are injured at work you may be eligible to see an osteopath who can provide workplace injury management services throughout Australia. For example, following a referral from your doctor (a general practitioner) your case manager may approve a rebate for treatments provided by an osteopath. This can include when you have been injured at work and have issues affecting your bones, muscles or joints.
VETERANS AFFAIRS AND OSTEOPATHY
Australian Veterans can access services provided by osteopaths.
Your doctor will need to provide a referral to access Department of Veterans Affairs services.
The Department of Veterans Affairs also advises that people may be able to receive osteopathic services if they have a clinical need and either a Veteran Gold Card or White Veteran Card and your treatment is for an accepted service-related condition.
MOTOR VEHICLE ACCIDENTS AND OSTEOPATHY
For people injured in a motor vehicle accident you may be able to access osteopathic treatments through Compulsory Third Party arrangements in each Australia state and territory.
Osteopaths are eligible practitioners in each state and territory motor accident scheme. It means you can consult an osteopath if you have been injured in a motor vehicle, have a neurological or musculoskeletal injury (i.e., an injury to your bones, muscles, joints, tendons or nerves) and are approved to receive rebated or paid treatments for your injury by your claim case manager.
In general, you will need a referral from a General Practitioner (GP) to see an osteopath for a motor vehicle accident unless your case manager has exempted you from needing a referral. In approving consultations with an osteopath, your claim case manager may ask if a General Practitioner has referred you.
DID YOU KNOW?
Our team can help you find a health insurance plan with osteopath benefits to meet your needs.
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