• Five Star
  • Mid Extras
  • Base Extras
  • Dental

E1

Why Five Star Extras cover? You’ll get great benefits on a whole range of healthcare services and treatments not covered by your hospital cover or by Medicare. Includes our exclusive Five Star Health Management Benefits, offering benefits for Fitness and Prevention programs including Swimming Lessons, Personal Training, Group Training and Aqua Aerobics. Health Screening tests not covered by Medicare such as Mole Mapping and Lung function testing and Weight Management and Quit Smoking Programs

Our most comprehensive level of extras cover includes Dental benefits and offers the highest benefits and yearly limits of our extras and dental covers.
Effective 1 October 2020
EXTRAS BENEFIT TABLE FIVE STAR EXTRAS
SERVICE BENEFIT SUB-LIMIT* CALENDAR YEAR LIMIT
Physiotherapy &
Other Therapies		 Physiotherapy Initial - $50
Standard - $45
Group* - $10		 $100* $650 person
$1300 family
Exercise Physiology
Occupational Therapy
Podiatry Podiatry Initial - $42
Standard - $38		 $650 person
$1300 family
Foot Orthotics Set benefit per item
Dietician Dietician Initial - $42
Standard - $38		 $650 person
$1300 family
Therapies Remedial Massage Initial - $36
Standard - $34		 $600 person
$1200 family
Acupuncture
Myotherapy
Nutritionist
Chiropractic &
Osteopathic		 Chiropractic Initial - $36
Standard - $34		 $600 person
$1200 family
Osteopathic Initial - $50
Standard - $45
Clinical Psychology Clinical Psychology Initial - $65
Standard - $55
Group - $12		 $650 person
$1300 family
Optical Prescription Glasses
& Contact Lenses		 $250
Per Person		 $250
Per Person
Ambulance
Subscription		 Ambulance subscription refund Family - $95
Single - $47.50		 Equal to benefit
Eye Therapy &
Audiology		 Eye Therapy Initial - $42
Standard - $38		 $650 person
$1300 family
Hearing Test
Speech Pathology Speech Pathology Initial - $50
Standard - $45		 $650 person
$1300 family
Home Nursing District Visiting Nurse
(Excludes midwifery services)		 $12 $600 person
$1200 family
Pharmacy Non PBS prescriptions $35 $300 person
$600 family
Health Aids
& Appliances ^		 Blood Glucose Monitor $260
(every 3 years)		 $1200 person
$2400 family
Blood Pressure Monitor $200
(every 3 years)
TENS Machine $200
(every 3 years)
Nebuliser $200
(every 3 years)
CPAP (Machine only) $520
(every 3 years)
Hearing Aid $1000
(every 5 years)
Braces & Splints 85% up to $600
(every 3 years)
CAM Boot 85% up to $600
(every 3 years)
Artificial limbs & prosthesis 85% up to $600
(every 2 years)
Crutches, walking frame
& walking stick		 85% up to $50
(every 2 years)
Wigs + 85% up to $300
(every 2 years)
Compression Garments + 85% up to $300
(every 2 years)
Five Star Health
Management Benefits		 Approved Programs 70% $150 person
$300 family

* Sub-limits apply to these services. Group benefits not payable for Occupational Therapy.

^ Health Aids and Appliances must be medically necessary and for the treatment of specific conditions.

+ Conditions apply, sport and pregnancy related garments are excluded. Contact the Fund for further information.

All benefits subject to waiting periods and benefit limitation periods.

Dental Benefits
DENTAL BENEFITS TABLE FIVE STAR EXTRAS
SERVICE BENEFIT SUB-LIMIT* FIRST YEAR MEMBERSHIP LIFETIME LIMIT CALENDAR YEAR LIMIT
General & Major Dental Preventative Dental 100% * $390 Maximum benefit payable per person $1,400 Maximum benefit payable per person once first year is completed
General & Major Dental 85% **
Inlay/Onlay, Crown & Bridge As per dental schedule 1st calendar year of membership $390
2nd calendar year of membership $510
3rd calendar year of membership $570
4th calendar year of membership $630
5th calendar year of membership $690
6th calendar year of membership $750
Orthodontics 50% up to $800 $800 Per person per calendar year $2,400 Per person

* Dental 100% benefit available at super dental providers.For more information see Gap Free Preventative Dental.

** Percentage based on MHF dental schedule

All benefits subject to waiting periods and benefit limitation periods.

DENTAL BENEFIT TABLE FIVE STAR EXTRAS
SERVICE BENEFIT
Preventative Treatment Periodical oral examination $49.40
Emergency consultation $31.05
X-Ray $41.85
Scale & Clean $101.30
Fluoride Treatment $42.30
General & Major Dental Surgical Extraction $204.25
Filling - Adhesive one surface $110.75
Filling of one root canal $200.00
Full crown veneer $750
Full denture $1,400

All benefits subject to waiting periods and benefit limitation periods.

A1

Why Mid Extras cover? With our Mid Extras cover you’ll get great benefits on a whole range of healthcare services and treatments not covered by your hospital cover or by Medicare. We provide benefits for prescription glasses and contact lenses, physiotherapy and remedial massage to name a few. For a full list of services covered, and benefits paid, refer to the benefits table below.

Our mid-range extras cover offering benefits for Remedial Massage, Physiotherapy, Chiropractic and Health Aids & Appliances.
Effective 1 October 2020
EXTRAS BENEFIT TABLE MID EXTRAS
SERVICE BENEFIT SUB-LIMIT* CALENDAR YEAR LIMIT
Physiotherapy &
Other Therapies		 Physiotherapy Initial - $36
Standard - $32
Group* - $9		 $90* $540 person
$1080 family
Exercise Physiology
Occupational Therapy
Podiatry Podiatry Initial - $36
Standard - $32		 $540 person
$1080 family
Foot Orthotics Set benefit per item
Dietician Dietician Initial - $36
Standard - $32		 $540 person
$1080 family
Therapies Remedial Massage Initial - $29
Standard - $27		 $540 person
$1080 family
Acupuncture
Myotherapy
Nutritionist
Chiropractic &
Osteopathic		 Chiropractic Initial - $29
Standard - $27		 $540 person
$1080 family
Osteopathic Initial - $36
Standard - $32
Clinical Psychology Clinical Psychology Initial - $46
Standard - $42
Group - $10		 $540 person
$1080 family
Optical Prescription Glasses
& Contact Lenses		 $220
Per Person		 $220
Per Person
Ambulance
Subscription		 Ambulance subscription refund Family - $85
Single - $42.50		 Equal to benefit
Eye Therapy &
Audiology		 Eye Therapy Initial - $36
Standard - $32		 $540 person
$1080 family
Hearing Test
Speech Pathology Speech Pathology Initial - $36
Standard - $32		 $540 person
$1080 family
Home Nursing District Visiting Nurse
(Excludes midwifery services)		 $12 $500 person
$1000 family
Pharmacy Non PBS prescriptions No benefit No benefit
Health Aids
& Appliances ^		 Blood Glucose Monitor $200
(every 3 years)		 $1000 person
$2000 family
Blood Pressure Monitor $150
(every 3 years)
TENS Machine $150
(every 3 years)
Nebuliser $150
(every 3 years)
CPAP (Machine only) $400
(every 3 years)
Hearing Aid $700
(every 5 years)
Braces & Splints 75% up to $500
(every 3 years)
CAM Boot 75% up to $500
(every 3 years)
Artificial limbs & prosthesis 75% up to $500
(every 2 years)
Crutches, walking frame
& walking stick		 75% up to $35
(every 2 years)
Wigs + 75% up to $250
(every 2 years)
Compression Garments + 75% up to $250
(every 2 years)
Five Star Health
Management Benefits		 Approved Programs No benefit No benefit

* Sub-limits apply to these services. Group benefits not payable for Occupational Therapy.

^ Health Aids and Appliances must be medically necessary and for the treatment of specific conditions.

+ Conditions apply, sport and pregnancy related garments are excluded. Contact the Fund for further information.

All benefits subject to waiting periods and benefit limitation periods.

A

You’ll still get great benefits on a range of healthcare services and treatments not covered by your hospital cover or by Medicare. We provide benefits for prescription glasses and contact lenses as well as physiotherapy to name a few. For a full list of services covered, and benefits paid, refer to the benefits table below.

Our base extras cover offers lower benefits and limits at a lower cost whilst still covering a great range of services our members use. Combine with Dental or take as a standalone cover.
Effective 1 October 2020
EXTRAS BENEFIT TABLE BASE EXTRAS
SERVICE BENEFIT SUB-LIMIT* CALENDAR YEAR LIMIT
Physiotherapy &
Other Therapies		 Physiotherapy Initial - $27
Standard - $24
Group* - $8		 $80* $390 person
$780 family
Exercise Physiology
Occupational Therapy
Podiatry Podiatry Initial - $27
Standard - $24		 $390 person
$780 family
Foot Orthotics Set benefit per item
Dietician Dietician Initial - $27
Standard - $24		 $390 person
$780 family
Therapies Remedial Massage No benefit No benefit
Acupuncture
Myotherapy
Nutritionist
Chiropractic &
Osteopathic		 Chiropractic Initial - $22
Standard - $21		 $390 person
$780 family
Osteopathic Initial - $27
Standard - $24
Clinical Psychology Clinical Psychology No benefit No benefit
Optical Prescription Glasses
& Contact Lenses		 $165
Per Person		 $165
Per Person
Ambulance
Subscription		 Ambulance subscription refund Family - $70
Single - $35		 Equal to benefit
Eye Therapy &
Audiology		 Eye Therapy Initial - $27
Standard - $24		 $390 person
$780 family
Hearing Test
Speech Pathology Speech Pathology Initial - $27
Standard - $24		 $390 person
$780 family
Home Nursing District Visiting Nurse
(Excludes midwifery services)		 $12 $350 person
$700 family
Pharmacy Non PBS prescriptions No benefit No benefit
Health Aids
& Appliances ^		 Blood Glucose Monitor $150
(every 3 years)		 $600 person
$1200 family
Blood Pressure Monitor $125
(every 3 years)
TENS Machine $125
(every 3 years)
Nebuliser $125
(every 3 years)
CPAP (Machine only) $230
(every 3 years)
Hearing Aid $450
(every 5 years)
Braces & Splints 65% up to $300
(every 3 years)
CAM Boot 65% up to $300
(every 3 years)
Artificial limbs & prosthesis 65% up to $300
(every 2 years)
Crutches, walking frame
& walking stick		 65% up to $25
(every 2 years)
Wigs + 65% up to $150
(every 2 years)
Compression Garments + 65% up to $150
(every 2 years)
Five Star Health
Management Benefits		 Approved Programs No benefit No benefit

* Sub-limits apply to these services. Group benefits not payable for Occupational Therapy.

^ Health Aids and Appliances must be medically necessary and for the treatment of specific conditions.

+ Conditions apply, sport and pregnancy related garments are excluded. Contact the Fund for further information.

All benefits subject to waiting periods and benefit limitation periods.

D

Why Dental Cover? We have agreements with most local dentists to limit your out-of-pocket expenses. Our Gap Free preventative Dental pays 100% of the fee when you see a Super Dental provider and up to the same maximum benefit amount for non agreement dentists.

Our popular mid-range dental offers a full range of dental benefits, including gap free preventative dental cover
Effective 1 October 2020

Mildura Health Fund pay set benefits for individual dental services. Some services have claiming limitations as per the Australian Dental Association schedule. These limitations can vary depending on service provided and can mean that in some cases benefits are not payable.


If you are planning extensive treatment, ask your dentist for the item numbers and costs, and then contact us for a quote. The maximum benefit allowed for any service listed in the Mildura Health Fund Dental Benefit Schedule is the benefit prescribed. Benefits are only paid for services rendered by a registered dentist in private practice.


Benefits are not payable in respect of any cosmetic dental treatment. No Fund benefit will be payable for dental treatment that is subject to reimbursement by Medicare.


DENTAL BENEFIT TABLE DENTAL
SERVICE BENEFIT SUB-LIMIT* FIRST YEAR MEMBERSHIP LIFETIME LIMIT CALENDAR YEAR LIMIT
General & Major Dental Preventative Dental 100% * $350 Maximum benefit payable per person $1,000 Maximum benefit payable per person once first year is completed
General & Major Dental 70% **
Inlay/Onlay, Crown & Bridge As per dental schedule 1st calendar year of membership $350
2nd calendar year of membership $450
3rd calendar year of membership $500
4th calendar year of membership $550
5th calendar year of membership $600
6th calendar year of membership $650
Orthodontics 50% up to $600 $600 Per person per calendar year $1,500 Per person

* Dental 100% benefit available at super dental providers.For more information see Gap Free Preventative Dental.

** Percentage based on MHF dental schedule

All benefits subject to waiting periods and benefit limitation periods.

DENTAL BENEFIT TABLE DENTAL EXTRAS
SERVICE BENEFIT
Preventative Treatment Periodical oral examination $49.40
Emergency consultation $31.05
X-Ray $41.85
Scale & Clean $101.30
Fluoride Treatment $42.30
General & Major Dental Surgical Extraction $168.40
Filling - Adhesive one surface $91.30
Filling of one root canal $164.90
Full crown veneer $650
Full denture $1,000

All benefits subject to waiting periods and benefit limitation periods.

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(03) 5023 0269

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