Am I Covered For My Psychologist Visits with Cheap Extras Cover?

Cheap Extras Cover – Am I Covered For My Psychologist Visits?

Our mental health is as important as our physical health. It is imperative to maintain a healthy mind to be productive and happy. Mental health is a growing concern in today’s society with 45% of Australians experiencing some level of depression between the ages of 16 to 85. Depression is not the only growing condition, anxiety and substance abuse disorders are also becoming more prominent.  

* The price shown is per week and applies to a {LIFESTAGE} living in VIC with a $500 excess. It excludes LHC loading and includes a Base Tier Government Rebate

Mental health services in Australia are often costly but are necessary to improve or even possibly save one’s life. If you are someone who suffers from a mental disorder or mental illness it important that you have a private health insurance policy which covers hospitalization, psychological consultations and group sessions. At Frank Health Insurance we offer cheap extras cover which cover psychologist sessions ensuring your mental health and well-being is looked after.

Get Help from a Psychologist

Emotional turmoil, problems that cause you stress and behavioral changes could be signs that you need to see a psychologist and seek help. Psychologists are experts when it comes to handlings anxiety, behavioral disorders, addictive behaviors, depression, sleeping and eating problems, bereavement or grieving problems, Post-Traumatic Stress Disorders and many more. Psychologists help people to handle negative behaviors so make sure you seek professional help before it’s too late.

Affordable Counselling and Psychology Service

Most health insurance policies offer psychology services under their cheap extras cover. So when you are looking at taking out a private health insurance policy make sure it includes these services. It is important when deciding which policy to join to make sure you review everything first. This includes all waiting periods and sub-limits as they vary between policies and your level of cover.

To ensure that you choose the right cheap extras cover for you make sure you ask the following questions.

Is a referral needed?

When making an appointment with any professional it is important to ask them if they require a referral.  If you do not have a referral from your doctor you are often not able to claim on the appointment. By knowing the referral procedures of your health insurance policy, you can plan ahead of scheduled visit to your psychologist.

Is pre-approval needed from the health insurer?

The answer for this question varies from Company to Company. So before determining which cheap extras cover you are going to join make sure to ask this question. It is important to determine if your health insurer will cover your preferred specialist and if pre-approval is required. The following questions are also necessary to ask:

  • How many visits are approved and covered?
  • Do you need to receive pre-approval for every visit to a mental health professional?
  • If you are required to be admitted to hospital due to mental health issues how long are you covered for?

What are the coverage limits?

It is important to determine what your overall annual limit is and the amount you will get back on each visit. This can vary from policy to policy depending on your level of cheap extras cover.

Psychology Service Waiting Period

When it comes to mental health it is important that treatment is received as soon as possible. This is why it is important to check and understand any waiting periods applicable to this service. At Frank Health Insurance, psychology services have a two month waiting period. We are a health insurance company that offers cheap extras cover and is reliable.  

Understand Your Policy First

Understanding your insurance policy is essential and you need to make the time to go through the small print and details provided. Through researching a policy you can avoid unnecessary payments and make sure you understand what is you are covered for. At Frank Health Insurance we make sure your visits to the psychologist are covered without causing financial constraints on your end.

Get 1 month free + skip 2 & 6 month waits on extras* when you join on combined cover by March 31.

*For new members (if you have been a Frank Health Insurance member in the last 12 months, sorry you don’t qualify). Must pay first month to receive second month free. 12 month waits, annual and sub limits apply. Offer ends 31 March, 2018.