Private health insurance is a policy purchased by individuals or families to help cover certain healthcare services outside the public health system. In Australia, extras cover may include allied health services such as speech therapy, occupational therapy, physiotherapy, psychology, and dietetics, with rebates varying by insurer and level of cover. Private health insurance may suit individuals accessing services outside government-funded programs, including families, adults with extras cover, or those not eligible for NDIS. Steps2Life delivers services in line with professional standards, with clients advised to confirm eligibility, limits, and waiting periods with their insurer before starting.
Before booking, check with your health fund whether your extras cover includes the service you need, such as physiotherapy, psychology, speech pathology, occupational therapy or dietetics, and how much you can claim each year. Ask whether a referral is required and whether any waiting periods apply. On the day, bring your membership card so our team can let you know how your claim will be handled. If you are also eligible for Medicare or NDIS funding, we can explain how those options compare.
Using your private health insurance at Steps2Life is straightforward.Â
Supports for communication, language development, and literacy skills, often covered under extras policies that include allied health benefits.Â
Coverage for the development of daily living skills, fine and gross motor development, and sensory processing, with many policies offering rebates for eligible sessions.
Emotional wellbeing and behaviour may be covered under extras cover, depending on your insurer and policy level.
Mobility, strength, and rehabilitation is commonly included in extras policies, subject to annual limits and waiting periods.
Nutrition and chronic disease management may be eligible for rebates depending on your level of cover.
Rebate amounts vary depending on your insurer, level of extras cover, and the specific service provided. Most policies include annual limits, per-session caps, and waiting periods for new policyholders, so it’s important to confirm your remaining limits and claimable amount with your insurer before booking. Once your annual limit is reached, any additional sessions will need to be self-funded until your limit resets.
At Steps2Life, eligible clients can claim their private health insurance rebate immediately at the time of payment using HICAPS, meaning you only pay the gap amount rather than the full session fee upfront. If HICAPS isn’t available for your insurer, you can pay in full and submit your receipt directly to your insurer for reimbursement.
If you are an NDIS participant, you must use your NDIS funding for supports that are included in your plan. Private health insurance may apply to services outside your NDIS-funded supports, depending on policy conditions.
No. Coverage depends on the level of extras cover selected. Clients should confirm with their insurer before booking.
Rebate amounts vary depending on your insurer, level of extras cover, and the specific service provided. Annual limits, per-session caps, and waiting periods may apply, so it is recommended that you confirm your rebate details directly with your insurer before booking.
Most private health insurance policies include annual limits or per-service caps. Once your limit has been reached, you may need to self-fund additional sessions.
Referral requirements vary by service and insurer. Our team can advise whether a referral is required for your chosen discipline.
If you are considering allied health services, our team can help guide you through the booking process. We are happy to discuss availability, service options, and access pathways before getting started.
