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 2024
| 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 |
|
| 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 | ||||
| Chiropractor & Osteopathic |
Chiropractic | Initial - $40 Standard - $34 |
$600 person $1200 family |
|
| Osteopathic | Initial - $50 Standard - $45 |
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| Mental Health | Psychology | Initial - $70 Standard - $60 Group - $12 |
$650 person $1300 family |
|
| Counselling ^ | Initial - $32 Standard - $32 |
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| Optical | Prescription Glasses & Contact Lenses |
$270 Per Person |
$270 Per Person |
|
| Ambulance Subscription |
Ambulance subscription refund | Family - $97 Single - $48.50 |
Equal to benefit | |
| Eye Therapy | Eye Therapy | Initial - $42 Standard - $38 |
$650 person $1300 family |
|
| Speech Pathology | Speech Pathology | Initial - $50 Standard - $45 |
$650 person $1300 family |
|
| Home Nursing | Visiting Nurse (Excludes midwifery services) |
$12 | $600 person $1200 family |
|
| Pharmacy | Non PBS prescriptions and vaccinations | $40 | $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) |
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| TENS Machine | $200 (every 3 years) |
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| Nebuliser | $200 (every 3 years) |
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| CPAP (Machine only) | $520 (every 3 years) |
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| Hearing Aid | $1100 (every 5 years) |
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| Braces & Splints | 85% up to $600 (every 3 years) |
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| CAM Boot | 85% up to $600 (every 3 years) |
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| Artificial limbs & prosthesis | 85% up to $600 (every 2 years) |
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| Crutches, walking frame & walking stick |
85% up to $50 (every 2 years) |
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| Wigs + | 85% up to $300 (every 2 years) |
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| Compression Garments + | 85% up to $300 (every 2 years) |
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| 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.
^ Counsellor must accredited with Australian Regional Health Group (ARHG).
^^ Health Aids and Appliances must be medically necessary and for the treatment of specific conditions.
+ 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 2024
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
$55.75
Emergency consultation
$35.05
X-Ray
$47.20
Scale & Clean
$114.20
Fluoride Treatment
$47.65
General & Major Dental
Surgical Extraction
$230.30
Filling - Adhesive one surface
$124.85
Filling of one root canal
$225.50
Full crown veneer
$800
Full denture
$1,500
All benefits subject to waiting periods and benefit limitation periods.
FIVE STAR HEALTH MANAGEMENT BENEFITS
MHF APPROVED PROGRAMS
HEALTH SCREENINGS #
FITNESS AND PREVENTION PROGRAMS
IMPROVEMENT & WEIGHT MANAGEMENT PROGRAMS*
IMPROVEMENT & WEIGHT MANAGEMENT PROGRAMS**
Mole MappingRemoval of sun spotsMRI, CT & PET scansBowel cancer test kitsLung function tests
Swimming LessonsPersonal training programsGroup training
Quit SmokingNicotine replacementWeight WatchersTony FergusonJenny CraigCohens Weight Loss
# 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.
| 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 | $55.75 |
| Emergency consultation | $35.05 | |
| X-Ray | $47.20 | |
| Scale & Clean | $114.20 | |
| Fluoride Treatment | $47.65 | |
| General & Major Dental | Surgical Extraction | $230.30 |
| Filling - Adhesive one surface | $124.85 | |
| Filling of one root canal | $225.50 | |
| Full crown veneer | $800 | |
| Full denture | $1,500 | |
All benefits subject to waiting periods and benefit limitation periods.
