- How we're supporting you during coronavirus
- Adding or removing people from your account
- Authorising another person on your cover
- Cover review
- How do I check my limits?
- Pre-existing conditions
- Suspending your cover
- Updating your details
- What am I covered for?
- Waiting periods explained
- Private health insurance reforms
- Gap in cover
- Emergency Department Fees
- Going to Hospital
- Hospital Added Costs
- Insulin Pumps
- IVF & assisted reproductive services
- LHC exemptions
- Public vs. Private
- Restrictions & Exclusions
- Understanding out of pockets
- What is an excess?
- What is LHC?
- What is the MBS?
- Where does Medicare fit in?
- Transcranial Magnetic Stimulation (TMS) Pilot
Non PBS prescriptions
Some of our Extras policies provide benefits for non-PBS prescriptions medications, which includes travel vaccines. You're required to pay an initial co-payment of $41.00, and then we pay a percentage back on the balance. The percentage is based on what extras cover you're on.
This means that for your medication to be eligible for claiming, it must cost more than $41.00.
If it's less than this amount, then there's a fair chance that your medication is already subsidised by the government through the Pharmaceutical Benefits Scheme (PBS). If this is the case, it is not eligible to be claimed through Private Health Insurance.
The $41.00 is the 2020 co-payment amount that Medicare has set for most PBS medications, so it is the maximum amount that they'll bill you for medicines on the PBS. This price is reviewed by the Government each year, and updated on the 1st of January.
There are some specific requirements in order to claim non PBS scripts. They need to be:
- Approved by the Therapeutic Goods Administration for sale in Australia
- A prescription only medication (category S4 or S8)
- Not a compound medication (no unique blends)
Since we need to ensure the above requirements are satisfied, we'll need to sight your original pharmacist receipt that shows:
- Full medication name and dosage
- Full name of the person the prescription is made out to
- Dispense date
- Price you paid
The receipt issued for your payment at the front counter is not sufficient. Make sure that you ask your pharmacist for the full invoice to claim back through your private health insurance, and that it includes the above requirements.