Family Care Gold

Family Care Gold

PH: Available with or without a hospital cover.

Family Care Gold is the perfect choice for families who simply want the best extras cover available from Latrobe. Each family member enjoys generous benefits and like our other Family Care options, a Family Care Gold membership also covers your non-student dependants from 18 up to their 25th birthday, providing they are not married or living in a defacto relationship. They may even be living away from home, or earning their own income.

Family Care Gold Extras can be purchased as a stand alone product or is an ideal package with Latrobe Family Care hospital cover. For further information about health insurance packages, please contact us.

 

Family Care Gold extras cover detail

 Cover details

Years of
membership

Maximum
benefit

Personal
limit

 General dental

 Including diagnostic and preventative services,
 oral surgery, extractions, endodontics and restorations

- - -

 Major dental

 Crowns, bridgework, dentures and periodontics

1    

- No benefit

2

- $300

3

- $500

4

- $800

5

- $1000

6+

- $1500

 Orthodontics

 Benefits are fixed at the level in which the course
 commences and paid over a 3 year period

  Maximum
per year
Maximum
per course

1

No benefit No benefit

2

$300 $900

3

$400 $1200

4

$500 $1500

5

$600 $1800

6-9

$800 $2400

10+

$1000 $3000

 

Other health services

 Other health services detail

Initial
consultation

Subsequent
consultations

Personal
limit

 Acupuncture

$40 $32 $1000

 Audiology

$65 $65 $1000

 Chiropractic

$46 $29 $350

 Chiropractic X-ray

$80 $80 One

 Dietitian

$45 $40 $1000

 Eye therapy

$50 $40 $1000
 Health screening

 

 Every 2 years: Mammograms, bone density testing,
 mole mapping

 

$75

 

$75

 

$75

 Massage - remedial and therapeutic

$36 $32 $350

 Myotherapy

$40 $35 $1000

 Naturopathy

$30 $30 $250

 Occupational therapy

$50 $50 $1000

 Osteopathy

$45 $30 $1000

 Physiotherapy

 Group physiotherapy/hydrotherapy consultation

 Combined limit:

$42

$15 per class

-

$37

$15 per class

-

-

-

$1000

 Psychology

$80 $80 $450

 Speech therapy

$60 $60 $1000

 Visiting nurse

$45 $18 $1000

 

Family Care Gold extras cover detail

 Cover details

Years of
membership

Maximum
benefit

Personal
limit

 Optical

 Includes spectacles and repairs, contact lenses
 and optical prescription sunglasses

- $250 $250

 Pharmacy1

 Maximum per prescription

- $100 $400

 Podiatry

 Benefits are a set amount depending on item number
 for consultations, treatment and orthotics prescribed
 by a podiatrist

- - $600

 Health appliances

 Per membership every 3 years:

 Blood glucose monitor

 Air compressor

 Nebulisers

 TENS machine

 C-PAP machine

 Combined membership limit:

 

-

-

-

-

-

-

 

Up to 90% of cost

Up to 90% of cost

Up to 90% of cost

Up to 90% of cost

Up to 90% of cost

-

 

$250

$250

$250

$250

$250

$500

 Lymphoedema garments

 4 garments per year

- Up to 70% of cost $600

 Prostheses

 (Non surgically implanted), every 3 years

- Up to 90% of cost $800

 Hearing aid

 Includes repairs other than batteries, every 5 years

- $1000 $1000

 Mouth guards

 Supplied by a dentist or dental technician

- $65 $65

 Ambulance subscription rebate

 When paid voluntarily, but not as a state tax or levy.
 Limited to one family or two single subscriptions

- - 100%

 Travel Insurance discount on policies purchased through Latrobe

 Family Care Gold only

- 10% -

 Family Care Gold combined with hospital cover

- 25% -

1. Exclusions apply. Please refer to pharmacy benefits.