Private Health care. It’s probably not the most exciting topic to discuss; however, it is one that will naturally cross the dinner table on a Monday night.
For the members who are still engaged in Active service, private health care isn’t really a necessity, and are even exempt from the Medicare levy. But what about the Military spouses and family?
The good news is, just by being an ADF member, a spouse or dependent, you automatically become eligible for Defence Health cover. In addition to that, Defence Health was created to support those who volunteer to serve their Australia, and their families.
Want to learn more, here’s another 5 benefits of joining Defence Health.
Defence Health Offers Travel Insurance to its Members
This is an exciting little benefit hidden within Defence Health Travel insurance that you will not find anywhere else. And, if you’ve ever had leave, or travel cancelled because work commitments, it will be interesting to know that Defence Health Travel insurance will cover you cover you.
On top of this, if you’re a serving travelling on leave from their area of operations, you can also choose to receive cover from wherever it is you’re deployed to!
Are You Planning on Having Children Soon?
If you’re planning on having a baby, or are currently pregnant, Defence Health has their really helpful MyBaby Support program that’s not only full of expert advice, but it delivers it through a fully intuitive online portal that can be accessed for free by ADF members and former members. This super cool little portal is jam packed full of content and resources, as well as some very informative videos to assist you through your pregnancy.
For members with Top Cover, there’s also the must have Coaching Support Program that can assist with.
Finally, there’s the free e-book, written by paediatric nurse Sarah Hunstead, it provides an easy to follow guide for first aid and babies.
The Government Rebate
We mentioned earlier, serving ADF members are exempt from the Medicare levy; however, their families are not. So the Australian Government offers an incentive via a rebate that reduces the amount that is payed for health insurance.
For the serving members reading this, the government does provide a little leeway when you’re transitioning into civilian life, and you maintain your exemption for a brief period of time, but it still pays to have cover, because medical ceases to be free once you’ve separated from the ADF.
Hey, My Brother Was in the Army Can I Join Too?
Yes you can, and this is one of the really great benefits of this cover, because they really take care of the entire family.
So, if you have a sibling that has served, or even a son or daughter, mum or dad, you automatically become eligible!
Reduce Your Medical Gap
This is a great little benefit that can really save you some money.
If you require surgery or radiology etc, the Doctor will charge you a separate fee from your hospital accommodation.
But, if your Doctor agrees to charge a “No-Gap” or a “Know Gap” fee, the most you will pay is $400 for each Medicare item, or $800 for Obstetrics. Because Defence Health will pay your Doctor more if he or she agrees to a “No-Gap” fee arrangement.
There are many more benefits to be found in this scheme, and medically expenses is one of those things that no one wants the burden of having to worry about. So, at the end of the day, it pays to have cover; and, if you never need it, you can always use it to keep on top of your families health care.
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