Latrobe Health Services

Latrobe Health services has been operating for over 77 years. Their promise to members is to build a valuable partnership, empowering members to make choices based on the best advice, and make it simple for members to understand, manage and access their insurance.

What makes Latrobe Health different?

Latrobe Health cover has no exclusions on Medicare recognised treatments in hospital cover, which makes it distinct from most other health insurance funds. As the cost of healthcare has risen, most private health insurance providers have introduced treatment exclusions to keep premiums down.

Many exclusions include expensive or common procedures such as cardiac/heart surgery, cataract and joint replacement procedures. However, Latrobe Health believes that the fundamental reason for private health insurance is to provide peace of mind to its members no matter what might go wrong and which Medicare-recognised treatment is required.

Therefore, you’ll never have to watch out for these exclusions when you sign up with Latrobe Health.

Given that no exclusions have been introduced over the years, it might be surprising to learn that Latrobe Health’s rate reviews have been below the industry weighted average in 14 of the past 17 years¹. This allows customers to continue receiving a competitive price on their health cover while enjoying the freedom of no treatment exclusions.

Latrobe Health has a focus on one-to-one service that assures a local person is available to speak to you every time you call. They believe in keeping their members well informed of their options.

Which private hospitals does Latrobe Health have an agreement with?

To receive the full benefit from your cover, you must attend one of the private hospitals that has an agreement with Latrobe Health Services.

The image below presents the number of private hospitals and day hospitals that Latrobe Health have an agreement with² in each state. In the parentheses, the maximum number of hospitals that have agreements with any single insurer in the industry is shown.

What kinds of cover do Latrobe Health offer?

Latrobe Health Services offers several top hospital packages, with different co-payment and excess options to adjust affordability. Co-payments and excess are similar except for one key difference; an excess is the amount of money you pay towards hospital treatment on a single claim, regardless of the number of days you’re in hospital.

A co-payment is the amount of money you agree to pay for each day that you’re in hospital, up to an agreed amount and sometimes only up to a certain number of days stayed in hospital.

The types of hospital cover that Latrobe Health Services offers include:

• Basic Public Hospital
• Healthy Start Basic Hospital
• BronzePlus Hospital $750 excess
• Silver Hospital $750 excess
• SilverPlus Hospital $750 excess
• Gold Hospital Excess Options
• Gold Hospital Reducing Excess
• Gold Hospital with Copayment Options
• Gold Top Hospital

What kind of extras cover does Latrobe Health Services offer?

 Latrobe Health Services offer a wide range of extras cover. These include:

• Dental: Provides cover for general and major dental, but excludes orthodontics.
• Primary Extras: Provides cover for general and major dental, as well as a combined limit for a range of therapies.
• Standard Extras: Offers cover for general and major dental, orthodontics, and a combined limit for a range of services, including chiropractic, physiotherapy, pharmacy, eye therapy, osteopathy and more.
• Advantage Family Care Extras: Cover for general and major dental, orthodontics, as well as a combined limit for services including chiropractic, physiotherapy, pharmacy, osteopathy, massage and others.
• *Advantage Extras: Only available when packaged with one of Latrobe’s hospital cover products. Provides general and major dental cover, orthodontics, and a combined limit for a range of therapies and services.
• Top Extras: Offers a comprehensive yet affordable range of benefits, including general and major dental, as well as quit smoking courses and physiotherapy.
• Premier Family Care Extras: Comprehensive extras that also cover your non-student dependents from 18 up to their 25th birthday, provided they’re not married or in a de facto relationship.
• Premier Extras: Includes a wide range of services, and the rebates are much higher than other extras cover. On many services there’s no annual limit, making it ideal for those who need ongoing treatment.

Making payments to Latrobe Health insurance

You can choose to pay your Latrobe Health insurance either weekly, fortnightly, monthly, quarterly, bi-annually or annually. When you pay annually and bi-annually you even receive a discount.

Payment can be made in any of the following ways.

• Direct Debit
• BPay
• Credit card - Mastercard or Visa
• Australia Post Billpay
• By mail
• At Latrobe branch

How to become a member

Join Latrobe Health via our secure online application or by calling 13 19 20 and speaking to one of our experts.

Sources:
1- http://www.latrobehealth.com.au/Aboutus/AboutLatrobe/tabid/154/Default.aspx
2- http://www.latrobehealth.com.au/LinkClick.aspx?fileticket=8IXcH7ujYgM%3d&tabid=130
3- https://www.latrobehealth.com.au/Hospitalcover/FamilyCare/tabid/107/Default.aspx
4- https://www.latrobehealth.com.au/HospitalCover/HealthyStartST/tabid/186/Default.aspx
5- http://www.latrobehealth.com.au/Extrascover/tabid/109/Default.aspx