Download - Living Healthy Magazine August 2011
living healthySeptember 11
exercise the wonder drug
Q Is your hand not working the way it should?
winter tipwarming up without spreading out!
Safeguarding your Contributions!
benefits in focus
Queensland Country Health Fund Member Newslettered.7
2 Queensland Country Health Fund | September 11
From the General Manager Health FundI am pleased to report to Members that Queensland Country
Health Fund has had a successful financial year both in terms
of financial performance and membership growth. The Health
Fund is a not-for-profit business but some profits are still
derived from our health benefits fund business to ensure we
continue to meet the capital requirements of the regulator, the
Private Health Insurance Administration Council (PHIAC). We
experienced strong demand for our health insurance products
during the year with membership growth of 7%, which is more
than twice the industry average growth for last financial year.
Our significant increase in benefits in April combined with a lower
than industry average premium increase continues to ensure
our products offer excellent value for money and more and more
consumers are recognising this which has contributed to the strong
demand for our products. Growing the Fund is an important focus
but meeting the expectations of our existing Members is our main
goal and we continue to look for ways to further improve the service
and the products we offer. We have included in the Living Healthy
magazine an outline of the increased and additional benefits that were
introduced earlier this year and I would encourage everyone to take a
few minutes to understand how these benefits may be applicable.
Growth in the number of people we cover is an important part of
managing the business to keep premium increases as low as possible.
With this in mind and to provide better access to services for our
Members we are planning to open a branch in Gladstone. This branch
will offer both health insurance and banking services (offered by
Queensland Country Credit Union) and we expect the branch to be
open by early November. This will add to our service centre network
and now provide 5 retail centres that offer the full range of Health
Fund services.
There has been significant political focus on health insurance over
the past few months as the Labor Government progresses with the
introduction of a bill into parliament to means test the Medicare
Rebate. In brief, the bill if passed will mean that individuals earning
more than $80,000 and couples and families above $160,000 would
receive a reduced or nil Medicare rebate which will obviously add to
the cost of health insurance considerably. I am very concerned that
the proposed changes will have a significant negative impact on the
private health insurance industry and, in particular, on Queensland
Country Members. This change will mean that many Members who are
already struggling with the cost of living may find it even more difficult
to remain privately insured and will add to the extreme pressures in
the public hospital system.
Thanks for your support of our great Fund and I welcome any
feedback from Members and suggestions to improve our products
and services.
Aaron Newman
General Manager
Queensland Country Health Fund
Ph. 4750 3300
Email: [email protected] Fund 2006 2007 2008 2009 2010 2011
Queensland Country Health Fund 5.04% 3.81% 2.82% 5.53% 4.50% 4.89%
Medibank 5.88% 4.94% 4.64% 5.74% 5.74% 5.35%
MBF 6.71% 4.39% 4.80% 5.98% 5.62% 5.14%
BUPA Australia 4.92% 4.50% 4.58% 6.00% 5.39% 5.14%
Industry Average 5.68% 4.52% 4.99% 6.02% 5.78% 5.57%
ExCESSIf you have an excess on your policy you only need to pay that excess
if you are admitted to hospital. The excess is payable once per person
and twice in the family membership year. As of April 1st this year,
if you have children aged 5 and under, the excess does not apply to
their admissions. This is another way that Queensland Country Health
Fund is looking after its Members.
PHARMACy CLAIMSEach year the Government sets the Pharmaceutical Benefits Scheme
for pharmacy items. This year the amount is $34.20. This means
that if you are purchasing scripted pharmaceuticals* that exceed
this amount, we may be able to pay a benefit towards it. Pharmacy
items must be scripted, dispensed from a pharmacy or Doctor’s
room, accompanied by an official pharmacy receipt and over the
PBS amount. We pay benefits from $34.20. This means that you
will always pay the first $34.20. For example if you have a script
for Aqueous Nasal Spray priced at $44.20 we will pay $10. If
you have Premium Extras you can claim up to $50 above the
$34.20, and on Essential Extras you can claim up to $30 above the
$34.20. Sub-limits do apply. For further info, please contact us at
* Contraceptives are not claimable unless they meet specific
requirements; please contact us for further details
CPAP MACHINES Sleep Apnoea is found to be more prevalent in our society today
than ever before. Queensland Country Health Fund can help ease
the financial burden of purchasing a costly CPAP machine by paying
a very generous benefit. It is a requirement that a sleep study is
performed in a registered hospital or day surgery facility, an approved
clinic or an approved home sleep study. If you have Private Hospital
cover with us, we can pay towards firstly the hire then the purchase
of these machines. We will pay 85% of cost to hire and/or purchase
the machine, up to $2000* every three years. We will only pay on the
initial mask and tubing purchased with the machine, and a humidifier
in relation to a CPAP machine. Please see our staff for more details.
* this limit covers all mechanical aides and appliances including
CPAP machines
Did you know?
pSeptember 11 | Queensland Country Health Fund 3
4 Queensland Country Health Fund | September 11
Many of our Members have adult children aged
between 21 and 25 years that in the past have
needed to take out their own health insurance
policy on their 21st birthday.
Prior to April 1st 2011, a dependant turning 21 and not
involved in full time study or an apprenticeship was not
eligible to remain on their parent’s policy. At Queensland
Country Health Fund, we understand that not every 21
to 25 year old chooses to study full time or embark on
an apprenticeship. They may be in their first full time job,
doing a traineeship, or working and studying part-time.
Whatever the reason, health insurance is not a priority for
them and more often than not, they don’t have the extra
funds needed to cover the cost themselves.
Queensland Country Health Fund has the solution. We
now offer a policy called Family Plus. This means even
though your adult child between 21 and 25 may not be
studying full time, they can remain on your policy for a
little extra cost**.
If you are in this category, or would like to take advantage
of this policy option, please email us at [email protected].
au to arrange a conversion. We can also assist with the
transfer of dependants back onto your policy.
** Dependants that are married or in a defacto relationship
are not eligible to be covered on this policy
ARE YOUR KIDS 21 AND NOT READY FOR THEIR OWN POLICY?
21
HICAPS is an electronic health claiming and payments system
that lets you process your claims immediately after receiving
treatment, while you're still at the surgery or practice.
With HICAPS you no longer have to make a separate trip to
your Queensland Country branch to lodge your claim or send it
in via the post. It’s convenient and easy. There’s no more claim
forms to fill in and all you need is your Queensland Country
Health Fund Member card.
When using HICAPS, you don't need to pay the full
consultation fee and wait for the reimbursement of your
benefit - you simply swipe your Queensland Country Health
Fund Member card and the claim is finalised on the spot. You
just pay any difference between the full consultation fee and
the benefit amount.
Next time you visit your health service provider, ask if you can
use your Queensland Country Health Fund Member card to
claim on the spot with HICAPS.
Between the 1st and 31st of October, everyone who
uses HICAPS will automatically go in the draw to win 1
of 3 $500 gift cards.
Terms and conditions apply and are available by calling
1800 813 415.
HICAPSFAST claims...on the spotFor more information on HICAPS visit
www.hicaps.com.au.
HICAPS COMPETITION
WIN $500
September 11 | Queensland Country Health Fund 5 1We like to think that we give all our Member’s the opportunity to claim all the benefits available to them. That’s why Queensland Country Health
Fund operates on a Membership year, rather than a financial or calendar year. your Membership year is unique to you, it’s the date you joined our
fund! This date is now listed on your Membership card to make it even easier for you. For more information on your Membership year, please
email us at [email protected]
Queensland Country Health Fund is committed to healthy living, inside and out. We love to get behind our community and support a number
of different sporting teams and community events. Included in our sponsorships are North Queensland Athletics, Townsville Fire, Bowen
Triathlon and the Charters Towers Gold Fever Le Tour. We also sponsor the Townsville Running Festival, of which a large number of our staff
participate in.
Our sponsorship of these community events and organisations reflect our strong commitment to promoting healthy lifestyle and wellbeing in
our communities.
Anniversary Year
Our Sponsorships >
Gladstone BranchAs our name implies we have a particular interest
in providing health insurance services to Regional
Queensland. We have service centres established in Mount
Isa, Mackay, Townsville and Ayr. We are now planning to
expand our service centre network and have commenced the
establishment of a branch in Gladstone. Gladstone is one of the
fastest growing centres in Queensland and a location where
we already have a significant number of Members residing. The
service centre will allow existing Members to receive refunds
of claims paid, provide assistance with changes to their policy
and provide policies to new Members. The branch will adopt
the latest technology and allow Members to receive information
using large touch screens, access their personal information
online and staff can provide assistance using their iPads. The
branch will be located at Shop 39 Gladstone Shopping Centre,
44-55 Dawson Road, Gladstone 4680 and will open on the
7th November.
HEALTHY LIVING BENEFITSIf you have Extras cover with us, you are able
to claim for selected items that help manage
your health and promote a healthy lifestyle.
We can pay benefits towards some of the
costs involved with joining a weight loss
program or quitting smoking. In the past we
have only paid towards selected programs,
we will now pay towards registration or
membership fee to any program (gym
memberships or any physical activity
programs are not included).
Furthermore we will also pay towards
the following items that assist in health
management:
ø Metabolic dieticians and nutritionists
when providing consultations to assist
with weight loss
ø Consultation fees for Diabetes Educator
ø Bowel screening Tests and Bone Density
Tests provided through Chemists/
physiotherapists etc
ø PSA Test – Some Members who have
had prostate surgery require 2 PSA tests
per year. Medicare pays a benefit for one
test a year, and we will now pay a benefit
towards the un-rebated test.
6 Queensland Country Health Fund | September 11
September 11 | Queensland Country Health Fund 7
WHy SHOULD MEMBERS CARE ABOUT INAPPROPRIATE CLAIMS?Since the funds available for the payment of benefits are finite,
every dollar lost to inappropriate claiming means one dollar less
available for payment of your legitimate claim. Ultimately the results
of inappropriate claims mean reduced benefits for Members and
higher contributions, which nobody wants.
WHAT IS INAPPROPRIATE CLAIMING?It’s important to note that an overwhelming majority of healthcare
providers, are doing the right thing. We are talking about a relatively
small number of claims where our claims analysis, investigations
and audits reveal the unintentional billing for services which are not
provided to Members. This is where our focus lies.
WHAT DOES QUEENSLAND COUNTRy HEALTH FUND DO ABOUT THIS? We take our responsibility to provide our Member’s with a great value
product seriously. We have dedicated staff that audit claims and,
identify any areas of concern. We investigate claims, detect where
inappropriate claiming has occurred and stop this from happening
again. These staff liase with providers and claims assessors, aiming
to reduce inappropriate claiming and recovering funds.
HOW CAN yOU HELP?The easiest way to help protect your contributions is to simply
be aware of what you are being billed for. For example, are the
dates of service on your receipt correct? Did you actually receive
the treatment recorded? Like any other invoice or receipt you
receive, it’s worth double checking. It’s also important to treat your
Membership card like your credit card. Don’t leave your card with the
provider, and if you misplace your card, please notify us immediately.
If you have any reason to suspect inappropriate claiming please
call us on 1800 813 415 or email us at [email protected] to let
us know. We guarantee confidentiality and will treat your concerns
with courteous respect. you can choose to remain anonymous if you
wish. We abide by the highest standards of investigative practice
and natural justice, and we will always protect the rightful interests
of all parties.
If you don’t feel comfortable contacting us, please call the Private
Health Insurance Ombudsman on 1800 640 695, an independent
body formed to help resolve complaints.
We greatly appreciate the help we have already received from our
Members and look forward to future assistance as we work together
to safeguard your contributions.
SAFEGUARDING YOUR CONTRIBUTIONS! Queensland Country Health Fund is committed to supporting the good health of all our Members in lots of different ways;
this includes the payment of benefits. As part of our commitment to you, we are working to ensure that we achieve the greatest
possible value from your contribution dollars which are used to pay these benefits. Our claims management program is one
aspect of our work in this area. Claims are audited to ensure that the treatments or services invoiced are actually the benefits our
Members have received. This is delivering good results already and with your help we could do even better!
ExercisetHe WOndeR dRuGAs the Western World’s health and
wellbeing continues to diminish and
the desire for a healthy body image and
better quality of life continues to rise,
“medicinal exercise” is being prescribed
more than ever.
As most of us are aware, regular exercise
plays an integral role in reducing the strain
of our overstretched health system but the
extent of which and its ongoing importance
is becoming more and more evident. Not
only is exercise a well rounded and effective
source of rehabilitation and treatment for
our most debilitating chronic diseases
and injuries, but its role in prevention is
becoming much more recognised. Regular
cardiovascular and resistance training has
been shown to both prevent and treat life
threatening conditions such as Hypertension,
Obesity, Depression, Type II diabetes and
Cardiovascular Disease — the leading cause
of death worldwide.
On the other hand, as allied health
professionals aim at shifting the intention of
exercise from treatment to prevention, sport
and exercise science has come a long way
in providing efficient training programs that
earn those sought-after results at a much
more rapid pace. As time in the day appears
to be disappearing, added with the stress
of work and family commitments, thankfully
research shows that favourable results can
be obtained in minimal time provided the
prescription is accurate.
More specifically, exercise is the key to;
ø Increasing circulation
ø Promoting lean muscle growth
ø Reducing body fat
ø Strengthening cardiac muscle
ø Inhibiting the production of Cortisol
ø Boosting immune function
ø Encouraging joint mobility
ø Enhancing insulin sensitivity
ø Developing bone density
ø Heightening sexual drive and function
ø Producing power, speed and agility
ø Limiting pain and fatigue
ø Improving balance and flexibility
If exercise was a pill, it would be one of the
most effective medications available today,
only without the negative side effects.
Accredited Exercise Physiologists (AEPs)
are widely recognised as the highest
qualified health professionals in the design
and delivery of exercise whether it be for
treatment of serious illness and disease
or for general health and wellbeing. An
Accredited Exercise Physiologist (AEP)
describes a university-trained and ESSA
(Exercise & Sports Science Australia)
accredited exercise specialist who possesses
the knowledge, skills and competency to
design and deliver general physical activity
advice and clinical exercise prescription for
apparently healthy persons and for those
persons with chronic and complex diseases.
The aim of the intervention is to facilitate
long-term behaviour change by encouraging
the self-management of health through
exercise and other lifestyle modifications,
with a view to preventing and
treating disease.
Matthew Stark works at
Synergy Health and Fitness
Solutions, Townsville
8 Queensland Country Health Fund | September 11
tHe WOndeR dRuG
Matthew Stark
Accredited Sport and Exercise Scientist
Accredited Exercise Physiologist
BSpExSci GradDip ExPhys (Clin) ESSAM AEP
>
If exercise was a pill, it would be one of
t e most effective medications available today
September 11 | Queensland Country Health Fund 9
10 Queensland Country Health Fund | September 11 ‘‘
and treatment of these conditions. Treatment may include one or
combination of the following therapies:
ø Pain management to minimise the use of medication
ø Swelling control including massage, compression bandaging and
garments
ø Scar management including desensitising scars, improving
appearance and ensuring scars do not restrict movement
ø Exercise programs to improve movement, dexterity and strength
ø Custom-made thermoplastic, leather or soft splinting
ø Taping or bracing
ø Activity modification and equipment prescription to improve
independence in daily life
ø Preparation for return to work
Some hand therapy services also provide electrical modalities,
ultrasound and dry needling.
Rehabilitation After an Operation
Hand therapy is beneficial following any surgery to the upper limb to
ensure people recover and return to normal everyday life as soon as
possible. Hand therapists work very closely with surgeons to plan a
rehabilitation program that suits the individual. Hand therapy following
an operation can include any of the treatments listed above, as well as
wound care to promote healing and prevent infection.
Work Rehabilitation
Hand therapists are trained to work with employers and their
employees to establish injury prevention programs and assist injured
employees return to work. Hand therapists can visit the workplace
to recommend environmental modifications and/or alternative work
practices.
COMMON CONDITIONS TREATED By HAND THERAPISTSHand therapists treat any condition involving the hand, wrist and
elbow. Some of the more common conditions seen by a hand
therapist include:
ø Amputations and Detipping Injuries
ø Arthritis
ø Fractures
ø Dislocations and Ligament Injuries
Is your hand not working the way it should? `CONSIDERHANDTHERAPYWHAT IS HAND THERAPy?Hand therapy is a term used to describe rehabilitation of the upper
limb. Despite the name, this includes the shoulder, elbow, wrist and
hand. Hand therapists complete a thorough assessment of the
affected limb to develop an individualised treatment plan to prevent
injury or impairment, restore function and enhance participation in
everyday activities.
WHAT IS A HAND THERAPIST?Hand therapists are registered occupational therapists and
physiotherapists who, through further education, clinical experience
and independent study have specialised in the treatment of upper limb
conditions resulting from injury or disease.
HOW CAN A HAND THERAPIST HELP yOU?There are three main times when a hand therapist can help you.
These include:
Preventative or Conservative Treatment
There are many conditions and symptoms that hand therapy can
improve or resolve, often preventing people from needing an
operation. Hand therapists play an important role in both diagnosis
Hand terapists complete a torough assessment of te affected limb to develop an individualised treatment plan
COMMON CONDITIONS TREATED By HAND THERAPISTS
CONTINUED
ø Joint Replacements
ø Tendon Injuries
ø Tendonitis and Tenosynovitis such as Trigger Finger
ø Nerve Injuries and Compressions such as Carpal Tunnel and
Brachial Plexus Injuries
ø Complex Regional Pain Syndrome
ø Burns
ø Wounds to the upper limb
ø Dupuytren's Contracture
ø Soft Tissue Injuries
ø Sporting Injuries
ø Overuse Injuries
ø Autoimmune Conditions such as Scleroderma.
INTERESTING PRODUCTHand therapists specialise in the fabrication of low temperature
thermoplastic splints. These splints are custom made for each client.
There are many advantages of thermoplastic splints, particularly in the
Queensland climate. They are cooler and light-weight compared to
casts and can be washed easily.
HOW TO FIND A HAND THERAPIST IN yOUR AREA?you can find a Hand Therapist in your local area on the Australian
Hand Therapy Association website www.ahta.com.au
Acknowledgements
The Australian Hand Therapy Association website www.ahta.com.au
The American Society of Hand Therapists website www.asht.org
‘‘
‘‘Amanda Trezona
Helping Hands
Occupational Therapy
BOccThy, MAHTA
September 11 | Queensland Country Health Fund 11
12 Queensland Country Health Fund | September 11
winter tipWaRMInG uP WItHOut SPReadInG Out!Winter is certainly here with some
record low temperatures, early
snowfall and a frosty bite in the air
in the early mornings and evenings.
Most people will change their eating
habits with the cool weather — from
a bowl of porridge in the morning to
soup for lunch and a slow cooked
casserole for dinner. Warm, hearty
food has such a comforting effect and
while hiding a flabby stomach under
many layers can sound very appealing,
warmer weather is only a couple of
short months away when that stomach
will be bare on the beach once again.
Comfort food doesn’t have to be fat and carb
laden, in large serving sizes and lead to a
spread of the waistline. Many winter foods
can be nutritious, warming and keep that
beach ready body over the cooler months.
Try these suggestions on for size…
Cold cereal, fruit and yoghurt or a smoothie
are not so appealing in winter so to warm up
straight out of bed, try:
ø Porridge with honey/cinnamon/fruit/
dried fruit
ø Baked beans on toast
ø Poached eggs on toast
ø Weet-bix with warm milk
ø Warm poached fruit with yoghurt & a
sprinkle of nuts
Need a comfort snack during the day?
Why not try:
ø Cup-a-soup
ø Single serve pumpkin or vegetable soup
ø Skinny coffee/chai/hot chocolate
ø Sachet coffee/chai/hot chocolate made
on water with a dash of milk
ø Small handful dried fruit and nuts
ø 2–3 grainy crackers with light
peanut butter
ø 1 mountain bread wrap with a sprinkle
of cheese (melted in microwave/grill/
sandwich press)
Salad for lunch not cutting the mustard?
Try these warm lunch options to get you
through the day:
ø Homemade or canned soup (go for low
salt/low fat options) such as minestrone,
vegetable, chicken or beef
ø Try toasting your sandwich!
ø Small serve leftover stew/casserole
ø Make extra rissoles and make a rissole
sandwich with extra salad
ø Toasted wrap with chicken or tuna, a
sprinkle of cheese, tomato and spinach
ø Small serve pasta (best on your more
active days!)
ø Low fat frozen meal such as Lean
Cuisine, Weight Watchers etc
Carbs at dinner are synonymous with
comfort; think a hearty stew with creamy
mashed potato, a rich tomato pasta or a
fresh risotto. These dinner options will
stop you spreading:
ø Steak with grilled vegetable salad e.g.
zucchini, eggplant, capsicum, onion etc
ø Marinated chicken breast with
roasted veggies e.g. sweet potato or
pumpkin, capsicum, onion, cauliflower,
beetroot, zucchini
ø Beef and veggie soup (packed with
whatever veggies you can find!)
ø Slow cooker lamb (choose a lean cut)
with plenty of veggies (go easy on
potato)
ø Grilled fish with asparagus, broccolini
and a small serve of skinny mash (potato
mashed with skim milk)
A warm pudding on a cold winter’s night —
delicious for the taste buds, dire for the
waist-line. Try baked or poached fruits
such as plums, apples or pears with low fat
custard, a low fat baked custard, a healthy
apple crumble (go easy on the butter in the
crumble!) or succumb to a smaller serve of a
delicious pudding once a week as a treat.
Winter is not only a time to undo your hard
work in the nutrition department, but also
with fitness. Getting out of a nice, warm bed
on a cold, dark Winter’s morning doesn’t
(: K k L @
sound so appealing. Instead of skipping
your exercise session, change to a Winter
friendly option:
ø Take a longer lunch and exercise in the
warm part of the day — take a walk, run
or ride in the sunshine!
ø Try a gym class or indoor group
exercise session
ø Set up a circuit at home in the comfort
of a warm room — tricep dips, sit-ups,
push-ups, squats, lunges and many other
exercises can easily be done at home
ø Try Bikram yoga — it’s definitely warm in a
38-degree room!
ø Walk to work or home from work
ø Use the weekend for a longer exercise
session later in the day — take a long
ride, walk or hike
ø Get an exercise DVD or use your Wii
fitness programs
ø Organise a friendly touch, tennis, soccer
or netball match with friends, kids
or family
If you need more suggestions, recipes,
tips and hints on keeping lean over
Winter check out the Eat Smart blog
at www.eatsmartdiet.com.au.
September 11 | Queensland Country Health Fund 13
Lauren Nugent
Eat Smart
Nutrition Consultant
14 Queensland Country Health Fund | September 11
In addition to raising individual item number benefits, we have also increased the sub-limits for diagnostic, preventative and oral surgery services.
This ensures that our Members can take full advantage of our increased benefits. For more information on these sub-limits, please don’t
hesitate to contact us at [email protected]
OPTICAL BENEFITS INCREASEOptical benefits have also been reviewed and increased. you are able to use your whole optical limit towards any current optical item;
contacts, lenses, frames, prescription sunglasses, and we will cover up to your available limit per Member, per membership year.
dental IteM deSCRIPtIOn
OuR BeneFItS
PReMIuM extRaS eSSentIal extRaS SMaRt StaRt
Comprehensive Oral Exam (011) $42 $27 $32
Periodic Oral Exam (012) $42 $27 $32
Removal of calculus (114) $70 $45 $53
Topical fluoride (121) $20 $13 $15
Surgical removal of tooth (322) $175 $112 $131
Adhesive restoration/filling (531) $85 $54 $64
OPtICal BeneFItS – annual lIMIt PeR PeRSOn PeR MeMBeRSHIP yeaR
PReMIuM extRaS eSSentIal extRaS
$275 $185
Queensland Country Health Fund prides itself on offering products with market leading benefits. We spend time each year
reviewing these benefits to make sure we are offering competitive benefits and a value for money product. In April this year,
we increased a number of our benefits.
DENTAL BENEFIT INCREASESA major focus this year centred on raising individual dental limits and benefits. The aim of increasing these benefits is to encourage better
dental health amongst our Members. Examples of new benefits payable on some commonly used dental items can be found below:
o
September 11 | Queensland Country Health Fund 15
We have recently introduced a new benefit for Members who participate in Exercise Physiology. Benefits for this therapy are available for both
Essential and Premium Extras. The benefits are outlined in the table below:
To be eligible for receive a benefit for exercise physiology, a letter from your medical practitioner is required. It must state that the referral is for
an existing medical condition, including rehabilitation, pre & post operative conditions and chronic disease management.
Exercise Physiology
Physioterapy
exeRCISe PHySIOlOGy
(Paid under Physiotherapy)
PReMIuM extRaS
$550 sub-limit per membership year.
Limit applies per person covered
eSSentIal extRaS
$350 sub-limit per membership year.
Limit applies per person covered
Initial consultation2 months waits
$50 $32
Monthly Program Fee $35 $22
PHySIOtHeRaPy
PReMIuM extRaS
$550 sub-limit per membership
year. Limit applies per
person covered
eSSentIal extRaS
$350 sub-limit per membership
year. Limit applies per
person covered
SMaRt StaRt
$300 sub-limit per membership
year. Limit applies per
person covered
Initial consultation2 months waits
$50 $32 $40
Monthly Program Fee $35 $22 $30
Physiotherapy is medical treatment for problems of the joints, muscles, or nerves, which involves doing exercises or having part of your body
massaged or warmed. Some people require physio as a part of their rehabilitation or recovery following a procedure. Queensland Country
Health Fund pays benefits towards Physiotherapy if you have Essential or Premium Extras cover, or hold a Smart Start policy. Please see
below for benefits.
BeneFItS In FOCuS
Occupational Therapy
OCCuPatIOnal tHeRaPy
PReMIuM extRaS$1400 overall limit per membership
year. Limit applies per person covered
eSSentIal extRaS
$900 overall limit per membership year.
Limit applies per person covered
Initial consultation2 months waits
$60 $38
Subsequent consultation $35 $22
Occupational therapy is a profession focused with promoting health and well being through occupation. The primary goal of occupational
therapy is to enable people to participate in the activities of everyday life. Occupational therapists, or OT’s, achieve this outcome by enabling
people to do things that will enhance their ability to participate or by modifying the environment to better support participation.
Queensland Country Health Fund covers Occupational Therapy consultations under Premium or Essential Extras. Please see below for more
benefit information:
D
Terms, conditions and fees apply. This product is issued by Queensland Country Credit Union Limited ABN 77 087 651 027 AFSL/ACL 244533A copy of the Product Disclosure Statement can be obtained from your local branch. Before acquiring this product you should consider whether or not its appropriate for you.
qccu.com.au
a refreshing attitude to banking
Worried about retirement?
relax. Your super is safe with Queensland CountrY’s superannuation solution.
•No share market exposure •Capital guaranteed by QCCU•No administration fees and a
competitive rate
Visit your local Queensland Country Credit union branch or qccu.com.au for more information