Most private health insurers cover Myotherapy as part of the Extras packages. The category that Myotherapy falls under tends to vary between providers, sometimes we are in the same category as Physiotherapy, sometimes under Natural Therapies, sometimes under Remedial Massage.
We often get asked "How much will my private health pay?" but this can be impossible for us as practitioners to guess. The rebate amount varies depending on which health fund you are with and which level of cover you have. There are hundreds of options for Extras insurance. To find out your exact rebate amount, we always suggest contacting your health insurers Members Service team to ask them to check what you're entitled to on the specific level of coverage on your health insurance plan.
Some health insurers will give you a set rebate amount that doesn't go up or down if you book a longer or shorter appointment.
Some will give a higher rebate on your first ever appointment with a new practitioner, and then a lower amount on all your follow up appointments.
And some will give a percentage based rebate, so the amount changes depending on how much the appointment fee is.
All health insurers will give you a cap limit per year on the maximum amount of rebates they will give before you use up your limit. This amount varies a lot between funds, so be sure to check with your insurer what your maximum limit includes.
Most funds reset the limit at the start of the year on January 1st - however! A small number of funds restart from the financial year on July 1st (including AHM, Defence Health, and PeopleCare just to name a few) and a smaller number reset your limit from the anniversary of the date that you joined them (GU Health, looking at you!)
We have had some very kind, concerned patients who have not wanted to use their private health insurance in the past because they believed that it meant we had to give them a discount of the rebate amount. In case you've wondered how this works, let me explain:
Using the HICAPS machine in our Knoxfield Myotherapy clinic, we swipe your private health card. The machine connects to your insurer and allows them to pay the rebate amount directly to us, so that all you need to pay is the difference between the total appointment fee and what the rebate covers - this is your "gap" payment.
What happens if you don't have your card, if the card has expired, or if the HICAPS machine can't connect for some reason?
In these situations, we rely on the good old fashioned method of giving you a receipt to make a manual rebate claim. You pay the full appointment fee, and then your private health insurer pays the rebate amount directly to you. We prefer to use the HICAPS machine whenever we can so that we don't leave you with paperwork to do to get your rebate, but doing a manual claim like this is still a perfectly normal and valid way of using your extras cover!
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