What to Check With Your Health Fund

Before booking your appointment, we recommend contacting your private health insurer to confirm:

• Your annual benefit limits for speech pathology and audiology services
• Whether you’ve used any of your annual entitlements
• If there are waiting periods that apply
• The percentage of rebate you’re entitled to receive
• Whether pre-authorisation is required for certain services

Common Coverage Levels

Private health funds typically offer different levels of extras cover:

• Basic Extras: Usually covers a portion of costs up to an annual limit
• Mid-Level Extras: Higher rebate percentages and annual limits
• Top Extras: Maximum coverage with higher annual benefit limits

At RT Speech and Hearing, we make claiming as easy as possible for our clients:

• We provide detailed invoices with all necessary information for your claim
• HICAPS facilities available for on-the-spot claiming where possible
• Electronic claiming options for participating health funds
• Clear itemised receipts for manual claim submissions

Claiming Process

1. Pay for Your Service: Payment is required at the time of service
2. Receive Your Receipt: We’ll provide a detailed invoice with provider numbers and item codes
3. Submit Your Claim: Either claim on-the-spot with HICAPS or submit manually to your health fund
4. Receive Your Rebate: Your health fund will process the rebate according to your level of cover

Waiting Periods

• Most private health policies have waiting periods for extras cover
• Standard waiting periods are typically 2-6 months for general treatment
• Pre-existing condition waiting periods may apply

Annual Limits and Benefits

• Most health funds have annual limits on allied health services
• Benefits reset each calendar year (1 January to 31 December)
• Some funds have combined limits for all allied health services

Note: This information is general in nature. Always check directly with your health fund for current rates and coverage details.

Provider Recognition

RT Speech and Hearing is recognised by all major Australian private health funds. Our qualified speech pathologists and audiologists hold appropriate professional registrations and provider numbers.

Payment Plans

We understand that healthcare costs can be a concern. RT Speech and Hearing offers:

• Flexible payment options
• Payment plans for extended therapy programmes
• Discussion of treatment priorities to maximise your health fund benefits

Contact Us

If you have questions about private health insurance coverage for our services, please don’t hesitate to contact our friendly team. We’re here to help you understand your options and make accessing quality speech pathology and audiology care as straightforward as possible.