Latrobe Health Services Review
Overview
Latrobe Health has been providing quality, member-focused health cover to its customers for almost 70 years. Latrobe Health is a non-profit health fund and provide cover to over 80,000 members. Latrobe is part of Members Own Health Funds, a group of like-minded non-profit and mutual funds that invest their dividends back into their members through higher benefits and paid claims.
Latrobe Health Services Key Facts
Founded: 1951
For-Profit or Not-For-Profit? Not-For-profit
Private Hospitals Agreements Nationwide: 255
Day Hospitals Agreements Nationwide: 192
Health Deal Represented: No
Headquarters: Morwell, Victoria
Latrobe Health Services Hospital Cover
Latrobe Health has 5 hospital covers to suit every age and medical need. These range from Basic Public Hospital all the way up to Gold Top Hospital. Here is a list of the hospital covers currently available from Latrobe Health:
- Basic Public Hospital
- BronzePlus Hospital $750 Excess
- Silver Hospital $750 Excess
- SilverPlus Hospital $750 Excess
- Gold Top Hospital
Latrobe Health Services Extras Cover
Extras Cover takes care of the everyday healthcare service expenses that are not generally covered under Medicare such as dental services, prescription glasses, and physiotherapy. Here is a list of some of the current extras covers available:
- Basic Extras
- Advantage Extras
- Premier Extras
- Primary Extras
- Standard Extras
- Top Extras
Latrobe Health Services Combined Cover
Latrobe Health has one combined cover, below is the current combined policy available:
- Healthy Start Basic Hospital Package
Latrobe Health Services Waiting Periods
Latrobe Health recognises the waiting periods you have already served with a previous health fund if you switch. This is called “portability”. For first-timers taking out a hospital cover, members who may have lapsed in hospital coverage and those upgrading their level of cover, the waiting periods below will have to be served before members can claim on services:
Hospital waiting periods
- Ambulance services: 2 months
- Accidental Injury: None
- New Conditions: 2 Months
- Pregnancy and birth-related services: 12 months
- Pre-existing conditions: 12 months
- Rehabilitation & Palliative care: 2 months
- Weight Loss Surgery: 12 months
How to Claim Extras with Latrobe Health Services
Claiming extras with Latrobe is a quick and easy process. There are 2 ways that you can claim and these are:
On the spot: Swipe your membership card at a health provider that uses the HICAPS system to have your claim processed immediately.
By Mail: You can lodge your claim by posting relevant accounts and receipts to:
Reply Paid 41,
Morwell Vic
3840
What is Latrobe Health Services Gap Cover?
Latrobe Health provides “Known Gap” Cover under a Medical Practitioner Provider Agreement (MPPA). If your doctor charges you more than the standard MBS fee, this is known as the ‘gap’ and can leave you with an out-of-pocket expense. Latrobe Health can assist you in minimizing personal expense but it is the choice of the physician to participate in any given gap scheme.
Gap Cover Ratings By State
To determine how beneficial a gap scheme will be, we suggest comparing health funds in the same state or territory to show which of the funds offer a greater proportion of medical services covered with no gap. While it is more likely that a medical service covered under your health fund can be utilized at no personal cost to you, it is entirely the choice of the physician whether or not to participate in the gap cover scheme.
Medical Services with No Gaps — The percentage of claims that were fully refunded.
Medical Services with No or Known Gaps — The percentage of claims that were fully refunded, or where the policy holder knew the cost before the surgery was performed.
The information below outlines the percentages of services covered under no-gap and known-gap.
Latrobe Health medical services with No Gap: 45.1%
Industry Average: 79.1%
Latrobe Health medical services with No or Known Gap: 99.7%
Industry Average: 90.5%
Latrobe Health medical services with No Gap: 78.4%
Industry Average: 89.5%
Latrobe Health medical services with No or Known Gap: 99.4%
Industry Average: 95.7%
Latrobe Health medical services with No Gap: 77.7%
Industry Average: 86.7%
Latrobe Health medical services with No or Known Gap: 99.9%
Industry Average: 95.1%
Latrobe Health medical services with No Gap: 81.8%
Industry Average: 89.2%
Latrobe Health medical services with No or Known Gap: 99.7%
Industry Average: 94.5%
Latrobe Health medical services with No Gap: 84.9%
Industry Average: 89.5%
Latrobe Health medical services with No or Known Gap: 99.9%
Industry Average: 96.6%
Latrobe Health medical services with No Gap: 67.5%
Industry Average: 84.4%
Latrobe Health medical services with No or Known Gap: 99.1%
Industry Average: 96.2%
Latrobe Health medical services with No Gap: 74.2%
Industry Average: 90.2%
Latrobe Health medical services with No or Known Gap: 99.5%
Industry Average: 96.7%
Latrobe Health medical services with No Gap: 34.4%
Industry Average: 84.2%
Latrobe Health medical services with No or Known Gap: 98.4%
Industry Average: 93.8%
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