Family Extras
If the kids need braces, speech therapy or swimming lessons (to manage or prevent a disease, injury or condition) or you need to attend pre or post natal classes then Family Extras is for you. It also gives you access to a wide range of services such as routine and major dental, optical, physio, other therapies and health improvement services such as quit smoking courses or exercise classes (where part of an approved health management program).
Better yet, ahm believes it's important that our members get all they're entitled to, that's why there are no 2 and 6 month waiting periods on our Extras covers.
For a full run down, download a Family Extras policy document.
Important information: From 1 July 2012, we’re increasing the benefits we pay on a range of our most popular Extras services including routine dental, physiotherapy, chiro and osteopathy. Find out more »
Looking for a package?
Combine any of our Hospital covers with any of our Extras covers to create a package to suit you. Use our Quick Quote tool to find the combination that best suits your needs and budget.
Family Extras is great for...
| Overview of benefits covered Most common extras services |
Family Extras |
| Routine dental |  |
| Major dental | |
| Optical | |
| Laser eye surgery | x |
| Physio & Chiro | |
| Podiatry | |
| Health improvement | |
| Complementary & alternative therapies (6 types) | |
| Loyalty limits | |
|
x This service isn't included on this level of cover. |
|
Benefit details
The table below shows the most popular benefits payable under Family Extras. For more detail on these and all other items that fall under this cover download the policy document or give us a call on 134 246.
Your benefits and limits may increase based on your loyalty years.
| Most popular services | Benefit amount (will depend on service) |
Yearly limit |
| Dental | ||
| Routine dental | ||
| • Fluoride treatment (max 2 per year) | $22.70 |
0-4 yrs membership |
| • Checkups (max 2 per yr combined) | $31.05 | |
| • Scale and clean (max 3 per yr combined) | $55.85 | |
| • Extractions | $56.45 - $157.90 | |
| • X-rays (one film) | $21.00 | |
| • Direct restorations | $48.50 - $83.50 | |
| Complex dental | ||
| • Periodontics – non surgical periodontic treatment | $149.05 |
1-4 yrs membership |
| • Endodontics – root canal therapy | $117.05 | |
| Major dental | ||
| • Crowns, bridges, implants | $495.40 |
1-4 yrs membership |
| • Indirect restorations | $197.50 | |
| • Dentures - full upper or lower (1 complete set per person per 3 years) |
$324.05 | |
| Orthodontics | Increases with loyalty years |
1-2 yrs membership |
| Optical | ||
| • Frames, lenses, contacts and repair | $180 |
$180 combined per person |
| Therapies (see policy document for more detail) | ||
| • Physiotherapy | $13.50 - $35 |
0-4 yrs membership |
| • Osteopathy | $26.50 - $35 | |
| • Chiropractic | $26.50 - $35 | |
| Other therapies (see policy document for more detail) | ||
| • Psychology and hypnotherapy | $21 - $70 |
0-4 yrs membership |
| • Speech therapy | $26 - $50 | |
| • Occupational therapy | $26 - $30 | |
| • Eye therapy (Orthoptics) | $22 - $25 | |
| • Podiatry | $25 - $152.50 | |
| Complementary and alternative therapies (See policy document for more detail) | ||
| • Naturopathy | $21.50 |
$300 combined per person |
| • Acupuncture | ||
| • Remedial massage | ||
| • Herbalism | ||
| • Homeopathy | ||
| • Exercise physiology | ||
| Health improvement (See policy document for more detail) | ||
| • Dietitian and nutritionist |
$25 - $32 |
$250 per person |
| • Weight loss1 classes and courses | $8 - $80 | |
| • Quit smoking products and courses | $8 - $250 |
$250 per person |
| • Disease management fees | ||
| • Cancer Council UV products | ||
| • Stress management courses | ||
| • Preventive tests | ||
| • Doctor health checks (1 per person per financial year) |
||
| • Exercise classes2 | ||
| • Swimming lessons and training for 0-17 year olds3 |
||
| Orthotics | ||
| • Orthotics and orthopaedic shoes | $150 |
$150 combined per person |
| Pharmacy | ||
| • General items4 | Up to $50 each item above the general patient PBS amount |
0-4 yrs membership |
| • Preventive/travel vaccines | ||
| • Contraceptives (for medical reasons) | ||
| • Hormonal implants | ||
| Other benefits | ||
| • Pre and post natal consultations and classes | $25.00 |
$250 combined per person |
| • Birthing courses | $120 | |
| • Hearing aids/repair | $35 - $600 |
Up to $1,200 combined per person |
| • Travel and accommodation (for specialist appointments and outpatient procedures only) |
$30 per night |
Up to $200 combined per person |
| • Medical gases (such as oxygen) | $80 per unit |
$1,000 combined per person |
| • Joint fluid replacement injections | $320 per injection |
$640 combined per person |
| • Emergency ambulance | No limit | |
1 ahm approved providers only with medical evidence of a BMI of 26 or over for adult claims and an unhealthy BMI for children's claims.
2 Where part of an ahm or approved health management program and provided by an ahm approved provider.
3 By an AUSTSWIM or Swim Australia accredited swim school with evidence of asthma, diabetes, an unhealthy BMI or a doctor's recommendation to undertake this activity due to their condition.
4 Excludes PBS scripts, over the counter or off the shelf medicines, vitamins and herbal medicines.
5 A rolling year begins on the date a service was first provided with the limit applying to that 12 month period.
Waiting periods
When you take out Extras cover or change your level of cover, you'll have to wait a set time before you can claim for some services and benefits you weren't previously covered for.
Where benefits are greater on your new level of cover, we'll pay the benefit at the amount on your previous level of cover until the waiting period is served.
| 1 day |
|
| 12 months |
|
Important information
For more information on how your policy works, please read our Important Information for Extras cover.
Please Note: This is important information about your policy. Please read this in conjunction with your policy document which you can download and save for future reference.