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.