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.
2 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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