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Journeys : Oct Nov 2011
Health insurance FAQs Q. What is a hospital excess? A. By selecting an amount you’re prepared to pay (the excess) before claiming, you can significantly reduce your premiums. There are three different excess levels available with RACT Health Insurance: • Level 0 - nil excess • Level 1 - $250 singles and $500 families/couples/single parents • Level 2 - $500 singles and $1000 families/couples/single parents So if you don’t think you’ll be hospitalised, an excess is a great way to save money. (Refer pages 8 and 42 in the Member Guide) Q. How do I pay my premium? A. There are two ways to pay your RACT Health Insurance membership: 1. Direct debit - your premiums are deducted from your bank, credit union or building society. By paying by direct debit, you receive 2% off RACT Health Insurance rates. These can be made fortnightly, monthly or annually. 2. Credit card - your premiums are automatically debited from your Mastercard or Visa. These payments can be paid monthly or annually. (Refer page 43 in the Member Guide) RACT Health Insurance is brought to you by GMHBA Limited These are some of the frequently-asked questions about our new RACT Health Insurance. You’ll find the answers to all your questions in the Member Guide (available at all branches and online under Member Information). Q. What covers does RACT Health Insurance offer? A. RACT Health Insurance offers you hospital and extras covers at a var iety of levels. They are: • Platinum • Gold • Silver • Bronze RACT Health Insurance hospital is available with an excess to reduce the premium you pay if you happen to need to go to hospital. Q. What does hospital cover give me? A. With hospital cover you can: • Be treated as a pr ivate patient • Have greater choice of who treats you • Avoid the Medicare Levy Surcharge (if it applies to you) • Lock in your Lifetime Health Cover age • Get peace of mind, knowing you have help paying unexpected medical bills. (Refer http://w ww.ract.com.au /health_insurance/hospital_ cover/what_is_hospital_cover) Q. Why should I get extras cover? A. Extras cover can provide benefits for services like dental, optical (glasses and contact lenses), naturopathy, physiotherapy, podiatry, chiropractic and others. The cost of these ser vices is often not covered by Medicare, so whenever you use any of them you have to foot the bill. The services that are covered, and to what extent, depends on the level of extras cover you choose. (Refer w w w.ract.com.au/health_insurance/extras_cover/ what_is_extras_cover Q. Can I mix & match hospital and extras? A. Yes. Choose between four levels of cover, ranging from basic to comprehensive hospital and extras to suit a variety of lifestyles. (Refer Member Guide). They made it! Zorro, Rob and Mick, safe in Darling Harbour Robert Pennicott, Mick Souter and Zorro Gamarnik arrived in Sydney in September, 101 days after leaving Sydney Harbour on their epic circumnav igation of Australia in 4.6 metre rigid-inflatable dinghies. The Yellow Boat Road jour ney has already raised over $200,000 to help Rotar y Inter national’s campaign to eradicate the cr ippling childhood disease of polio from the world. You can see the video blogs, read more about the voyage and donate to the cause at w ww.followtheyellowboatroad.com. DarrenLeighRoberts In our community 8 October / November 2011
MNJ Aug Sep 2011