Maximizing Your Health Cover: 6 Ways to Make the Most of Your Benefits in 2 Months
Our private health premiums have just gone up, further adding to the ever-increasing cost of living. But it’s just possible you can claim enough over the next six weeks to cancel the cost for the rest of the year – or even more.
Here are the six last-minute ‘extras’ moves to help you save big before December 31, when you could probably do with it most.
1. Get new glasses: Do any of your family members need an eye test or check, a change in their prescription or an update on their frames? Most funds have limits that expire at the end of the year. In fact, most extras categories operate on a use-it-or-lose-it basis. Four people on the policy? Make sure you consider everyone.
With Christmas around the corner, you may need to book the optometrist now to get your order this calendar year.
2. Use those dental checks: In a similar vein to the above, private health policies generally include two cleans and checks per member, per year. Make sure you avail yourself of the preventative benefits – it could save you a fortune down the track.
3. Claim for the gym: All you need to do to claim back a likely $200 of what you have paid for a gym membership is to get a GP to sign a form saying it was medically necessary.
Don’t just think rehabilitative purposes but also preventative benefits. This is usually capped at $400 per policy, so two people could claim $200 each. Would that help combat the festive drain on your funds?
4. Claw back swimming lesson costs: If you have kids, you may also be able to claim up to $200 for their swimming lessons. Most health funds include this under the same ‘health management’ or some such bucket that gym membership falls. That means you might only be able to collect a total of $400 for the two activities..
But if you don’t have the injuries to justify a gym subsidy, perhaps you have the children who need to be swim-safe. Don’t wear this cost unnecessarily. See if it’s in the fine print of your private cover.
5. Let your Chiro see to those niggles: Don’t put off the self-care until after Christmas when your unused 2022 allowances have expired, and you will be eating into your 2024 quota. Get all the sessions that you need in before New Year.
6. Get a remedial massage: The holiday season can be stressful, and the tension may go straight to your muscles. If you haven’t exhausted your remedial massage limits, your fund can help you fix this. And here’s an added top-up twist: consider giving massages as presents to your other family fund members.
This allows you to share your Christmas pain with your fund ... and help alleviate any pain for your loved ones. Speaking of which, check whether your fund offers ‘rewards’ discounts from partners on vouchers, potentially including Myer, Event Cinema and Hello Fresh. These could make ideal, more inexpensive gifts.
Thanks to @sydneyfamilychiro and your private health, your silly season could be smarter – and cheaper.
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Advice given in this article is general in nature and is not intended to influence readers’ decisions about investing or financial products. They should always seek their own professional advice that takes into account their own personal circumstances before making any financial decisions.