compare extras cover

This table highlights the differences between CBHS Extras covers and can help you decide which one is right for you. All overall limits listed are per person.

dental

Description 70% of the cost up to the per service benefit  below Top Extras Intermediate
Extras

Essential

Extras

Limit
Bank
Preventative Dental (2 month waiting period)
Oral examinations (011,012,013) $28-$40 UNLIMITED $200 $150 1
X-ray (022) $23
Removal of plaque (111) $38.25
Removal of calculus (114,115) $60
Fluoride application (121) $25
Mouthguard (151,153) $85-$87
Fissure sealing (161) $27
General Dental (2 month waiting period)
Fillings $61-$112 UNLIMITED  $500  $150 1
Consultations & examinations $28-$40
X-rays $21-$42
Extractions or surgical dental $50-$255
General Dental (6 month waiting period)
Periodontic (gum treatment) $57-$250 $630 $400

 NOT
COVERED

1
 
Endodontic (root canal treatment) $7.50-$180 $660
Inlays /Onlays / Facings $360 $1440 NOT

COVERED

5
Dentures and implants $20-$810 $1350
Occlusal therapy $17-$260 $920 LIFE
Major Dental (12 month waiting period)
Orthodontia 70% $2200 NOT

COVERED

NOT

COVERED

LIFE
Crowns and bridges $10-$680 $3000 5

prescribed optical appliances

Description 70% of the cost up to the per service benefit below Top Extras Intermediate
Extras
Essentials
Extras
Limit
Bank
Frames (6 month waiting period)
Frames $70-$140 $350 $250 $180 1
Lenses (6 month waiting period) 
Single Vision (pair) $60-$104
Bifocal (pair) $60-$130
Trifocal vision (pair) $60-$150
Multifocal (pair) $60-$200
Contact Lenses (6 month waiting period)
Contact lenses $130-$210

therapies
 

Description 70% of the cost up to the per service benefit  below Top
Extras

Intermediate

Extras

Essential
Extras
Limit
Bank
Therapies (2 month waiting period)
Physiotherapy (Initial/Subsequent) $61/$35 $720  $300  $200 1
Chiropractic (Initial/Subsequent) $61/$35 $720  $250
Osteopathy (Initial/Subsequent) $61/$35 $720
Occupational therapy (Initial/Subsequent) $61/$35 $720  NOT
COVERED
NOT
COVERED
Speech therapy (Initial/Subsequent) $80/$40 $1850
Clinical psychology $30-$140 $450
Ante natal / Post natal physiotherapy 70% $105
Podiatry (excl. artificial aids: e.g. orthotics) $30-$50 $400
Audiology $60 $360
Eye therapy $60 $455
Dietician $15-$65 $360 $100 $100

alternative therapies
 

Description 70% of the cost up to the per service benefit below Top
Extras
Intermediate
Extras
Essential
Extras
Limit
Bank
Alternative therapies  (2 month waiting period)
Natural therapies
Buteyko, Herbal medicine consultations, Homeopathy, Naturopathy, Nutrition
$33 $450 $300

NOT

COVERED

1
Oriental therapies
Acupressure, Acupuncture, Chinese herbal medicine consultation, Chinese massage, Kinesiology, Reflexology, Shiatsu, Traditional chinese medicine consultation
$450
Massage therapies
Alexander technique, Aromatherapy, Bowen therapy, Deep tissue Massage, feldenkrais, Lymphatic drainage, Myotherapy, Remedial massage, Rolfing, Sports massage, Swedish Massage, Therapeutic massage
$450

general health
 

Description Per Service Benefit Top Extras Intermediate
Extras
Essential
Extras
Limit
Bank
General health  (2 month waiting period)
Blood glucose accessories 70% $320 $100 $100 1
Home visits by registered nurse

$80 (<4 hrs)

$120 (>4 hrs)
 

$2800 NOT
COVERED
NOT
COVERED
Non-Pharmaceutical Benefits Scheme drugs requiring a prescription by law 100% less the current government prescribed co-payment up to $150 per prescription $1000 $300 $200 PER CALENDAR YEAR
Travel+  50% of the cost of airfare, train, bus or 15c per kilometre for car $500 NOT COVERED NOT COVERED

PER MEMBERSHIP 

PER CALENDAR YEAR

 + Travel is only payable for the patient who requires essential medical and dental treatment, where it is not available at a facility within a 160km round trip of the member’s home.

health care aids
 

Description 70% of the cost up to the per service benefit below Top Extras Intermediate
Extras
Essential
Extras
Limit
Bank
Health care aids  (12 month waiting period)
Artificial aids 70% $1000 NOT
COVERED
NOT
COVERED

3
 
Hearing aids 70% $1500
Blood pressure monitor, Nebuliser, Glucometer 70% $500 $300

(2 month waiting period)

CBHS Wellness Benefits cover you for a variety of health checks and programs designed to assist you in better managing your health and wellbeing.

Top Extras / Intermediate Extras / Essential Extras 90% of the cost up to the overall limit Limit
Bank
Health Checks (where not claimable from Medicare)
Breast examinations (e.g. mammograms/x-rays)
Bone density tests
Skin cancer screening
Bowel/prostate cancer screening
Eye Screenings
$200 1
Health Management
Quit smoking programs2
Weight management programs2
Stress management courses2
First aid course/first aid kits^
$100 1
Yoga1
Pilates1
Gym membership/Personal training1 $100  PER CALENDAR YEAR

 

^ Benefits on first aid courses and kits are only payable when provided by  recognised CBHS providers. First aid course must be completed for benefits to be applicable to the first aid kit. Excludes replacement first aid items.

1 CBHS can only pay a benefit for gym membership/personal trainer/pilates /yoga where the gym/ personal trainer/yoga/pilates service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer/yoga/pilates program is a health management program. Approval form is available from CBHS. Please note that GP consultations are not covered by CBHS.

Must be approved by CBHS

Limit Bank

Each group of services within Extras covers has an overall limit on the amount you can claim in a specific time period. This is called the Limit Bank.

Per Service Benefit

Most CBHS Extras benefits are subject to a Per Service Benefit. Generally, the maximum benefit for an individual Extras service is 70% of the service fee up to a Per Service Benefit within the overall category limit.

Example
The maximum payment for the service 'extraction of a full tooth' is 70% of the cost up to the Per Service Benefit of $70.

If your dentist charges you $80 for this service, you would receive a benefit payment of $56 (70% of $80 is $56).

If your dentist charges you $110 for this service, you would receive a benefit payment of $70. While 70% of $110 is $77, the Per Service benefit for this service is $70 - the amount you would receive.

When deciding if this product is right for you, please refer to the CBHS Health Benefit Fund Rules.This information should be read carefully and retained.



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