Mildura Health Fund

Five Star Extras

Our most comprehensive level of extras cover includes Dental benefits and offers the highest benefits and yearly limits of our extras and dental covers.

The Five Star Health Management benefit is exclusive to the Five Star Extras cover.

This includes 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.

Effective 1 April 2025

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 - $46 Standard - $42		$650 person $1300 family
Podiatry		Foot Orthotics		$650 person $1300 family	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
Chiropractor & Osteopathic	Chiropractic	Initial - $40 Standard - $34		$600 person $1200 family
Chiropractor & Osteopathic		Osteopathic	Initial - $50 Standard - $45	$600 person $1200 family
Mental Health	Psychology	Initial - $70 Standard - $60 Group - $12		$650 person $1300 family
		Counselling ^	Initial - $32 Standard - $32
		Mental Health Social Worker ^	Initial - $32 Standard - $32
Optical	Prescription Glasses & Contact Lenses	$270 Per Person		$270 Per Person
Ambulance Subscription	Ambulance subscription refund	Family - $105 Single - $52.50		Equal to benefit
Eye Therapy	Eye Therapy	Initial - $42 Standard - $38		$650 person $1300 family
Speech Pathology	Speech Therapy	Initial - $60 Standard - $55		$650 person $1300 family
Home Nursing	Visiting Nurse (Excludes midwifery services)	$12		$600 person $1200 family
Pharmacy	Non PBS prescriptions and vaccinations	$45		$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			$1100 (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)
Health Management Benefits	Approved Programs	70%		$150 person $300 family

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

^ Service Provider must accredited with Australian Regional Health Group (ARHG).

^^ Services must be medically necessary and for the treatment of specific conditions. A MHF Benefit Approval is required for benefits to be payable.

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

All benefits subject to waiting periods and benefit limitation periods.

Dental Benefits

Effective 1 January 2025

DENTAL / EXTRAS BENEFIT TABLE			FIVE STAR EXTRAS
SERVICE		WAITING PERIOD	BENEFIT	SUB-LIMIT	FIRST YEAR MEMBERSHIP	LIFETIME LIMIT	CALENDAR YEAR LIMIT
General & Major Dental	Preventative Dental#	2 months	100% *		$450 Maximum benefit payable per person		$1,500 Maximum benefit payable per person once first year is completed
		General & Major Dental	2 months					85% **
		Inlay/Onlay, Crown & Bridge, Implants and Indirect Restorations.	2 months	As per MHF dental schedule				1st calendar year of membership $440
									2nd calendar year of membership $560
									3rd calendar year of membership $620
									4th calendar year of membership $680
									5th calendar year of membership $740
									6th calendar year of membership $800
		Dentures	12 months	every 3 yrs ***
		Orthodontics	24 months	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

*** Full set of dentures claimable every 3 years

All benefits subject to waiting periods and benefit limitation periods.

DENTAL SERVICE BENEFIT TABLE
SERVICE		BENEFIT
Preventative Treatment	Periodical oral examination	$57.85
		Emergency consultation	$36.40
		X-Ray	$49.00
		Scale & Clean	$118.55
		Fluoride Treatment	$49.45
General & Major Dental	Surgical Extraction	$230.05
		Filling - Adhesive one surface	$129.60
		Filling of one root canal	$234.05
		Full crown veneer	$800
		Full denture	$1,500

All benefits subject to waiting periods and benefit limitation periods.

HEALTH MANAGEMENT BENEFITS

MHF APPROVED PROGRAMS

HEALTH SCREENINGS #

FITNESS AND PREVENTION PROGRAMS

IMPROVEMENT & WEIGHT MANAGEMENT PROGRAMS*

IMPROVEMENT & WEIGHT MANAGEMENT PROGRAMS**

Mole Mapping

Removal of sun spots

MRI, CT & PET scans

Bowel cancer test kits

Lung function tests

Swimming Lessons

Personal training programs

Group training

Quit Smoking

Nicotine replacement

Weight Watchers

Tony Ferguson

CSIRO Total Wellbeing Diet

Cohen's Weight Loss

Metabolic Balance

# Fund Benefits not payable where a Medicare benefit is applicable

* Benefits payable for weight loss membership fees only

**An MHF benefit approval form can be downloaded here or emailed to you on request.