Get to know THE GAP and avoid paying out of pocket medical expensesLet’s face it, general day-to-day life can be expensive, and sometimes it feels like we’re drowning in bills with not a holiday in sight. Sound familiar?
So don’t add to those bills unnecessarily by paying out of pocket medical expenses you could have avoided.
What is “The Gap”
When a healthcare provider or hospital charges more for a treatment or service than what is covered by Medicare and Private Health insurance, the amount outstanding is known as “the gap“, which represents your out of pocket expenses for that treatment or service.
Medical fees can vary greatly
Health care providers often charge very different prices for ... Find out more
Tips For Supporting a Sick Friend or RelativeDo you have a sick friend or relative and you don’t know how to approach them?
Do you feel awkward and scared of saying the wrong thing so you end up saying something stupid or you avoid them completely incase you do?
Other people’s illness makes us nervous and we don’t know how to act.
In most cases this person will need your love and support, not avoidance, so it is important to step up to the plate and learn how to approach them in a thoughtful and considered way.
One thing to keep in mind is how you would want to be treated. Would ... Find out more
Do You Suffer Chronic Back Pain? Are You Covered?
An unbelievable 1 in 6 Australians suffer from chronic back problems (*) ! This means that there are a whole lot of Australians in frequent, consistent pain every day of their lives.
Chronic pain in any part of your body not only greatly impacts your quality of life, but also so many aspects of your life – your ability to work, your mental health and general health as well.
While you may think that chronic back pain relates to the elderly population it can affect anyone of any age, in fact almost 10 per cent of the 15-24 year old population had ... Find out more
Tips on reducing Doctor out-of-pocket expenses Having a gap or out-of-pocket expense charged to you by a doctor can be a sobering experience. Phoenix Health Fund has contracts with thousands of Doctors across the country through the Access Gap Cover Scheme, and
members who use these doctors enjoy lower or nil out-of-pocket expenses through using their services.
Give yourself the best chance to remove or reduce out of pocket expenses by simply following the steps below:
Choose a doctor that participates in the Access Gap Cover Scheme – Doctors in this scheme agree to reduce out
of pocket expenses to members. To learn more about Phoenix’s Access Gap Cover Scheme, click here, ... Find out more
Confused About Gov Surcharges & Incentives relating to Private Health?Are you confused about government surcharges and incentives relating to Private Health Insurance?
It’s tax time and many of us are confused with the amount of surcharges and levies thrown at us this time of year. Trying to digest tax brackets and what we can claim and what we are entitled to can be hard work.
We understand that these surcharges and incentives can be confusing so we’ve provided a breakdown below to help you digest the information.
In an attempt to reduce the demand on the public Medicare system, the government introduced a series of charges and incentives to encourage the Australian ... Find out more
Tax Statements via Online Member Services!
Many of our members have already received their 2015/16 Tax Statements via email last Friday. For members who do not have their email addresses listed with the fund, the fund has sent your Tax statement out in the mail earlier this week.
Did you also know you can access your 2015/16 Tax Statement, as well as previous years using Online Member Services (OMS)? Simply log in to OMS and you will find ‘Tax Statements’ under the Useful Tools section.
Why should you register for online member services?
OMS gives you access to your membership 24/7. To give you some examples of some of ... Find out more
QBE Travel Insurance Discounts to help you escape the cold weather!
If your Ugg boots just aren’t cutting it this winter and you’re planning an escape to a warm, sunny paradise, you might want to get in touch with our partners at QBE Travel Insurance.
Phoenix Health Fund has partnered with QBE for over 10 years now, allowing members access to great discounts on QBE’s already competitive rates.
Being a QBE Travel Insurance customer gives members 24/7 worldwide emergency and medical assistance through QBE Assist. These policies provide financial protection for:
Medical and additional expenses
In addition to deals offered to Phoenix Health Fund members and QBE’s great range of products, QBE often ... Find out more
Using your Health Insurance in a Public Hospital – Is it worth it?The simple answer to this question is yes… and no.
Under Medicare, any Australian resident admitted as a public patient in a public hospital is entitled to treatment by a doctor appointed by the hospital, at a time determined by the hospital. Medicare pays for your accommodation, meals, medical and nursing care, theatre and other fees related to your treatment. This means that anyone (including Phoenix members) that choose to be admitted into a public hospital as a public patient (without using their health insurance) receives full coverage from Medicare directly.
With Health Insurers now paying record treatment payments to public hospitals ... Find out more
Ambulance coverage for all Phoenix membersNo matter what policy you purchase with Phoenix, Ambulance coverage is included as a claimable item.
Phoenix Health Fund covers the cost of all medically necessary Ambulance transport across Australia for all members of the fund. This includes medically necessary emergency and non-emergency transport.
We provide this coverage directly as part of your Private Health Insurance policy with us, so members do not need to purchase subscriptions with relevant State or Territory Ambulance services.
What we cover under our Ambulance cover
100% of the cost of your Ambulance transport
Transport in any state or territory in Australia
Coverage includes land, sea and air.
What we don’t cover under ... Find out more
Bigger isn’t always better…Bigger isn’t always better…
….and that’s certainly the case when it comes to private health insurance.
In fact a recent AMA Private Health Insurance Report Card published on March 17, shows that insurers with the highest average benefits were not-for-profit, community based and member-owned funds.
The AMA’s Report Card adds to the mounting evidence that bigger is not always better when it comes to choosing your private health insurance provider,” hirmaa CEO Matthew Koce said.
As the peak body for 19 of Australia’s not-for-profit, member-owned and community-based health insurance providers, hirmaa has welcomed the AMA’s assessment of the industry.
Not-for-profit insurers out-ranked their for-profit counterparts ... Find out more