Private Health Funds

If you hold extras cover, your fund may pay a rebate toward allied health. No referral is required, and you can start straight away.

Claiming

At our clinic (HICAPS)

HICAPS is available at our Roxburgh Park clinic. If your appointment is at the clinic, you can claim on the spot by swiping your fund card and pay only the gap on the day.

Home visits

For home visits, you pay in full and claim through your fund's app or website using our receipt, which includes the item numbers and provider details your fund needs. Most funds process an app claim within a day or two.

Alternatives

When Another Pathway Suits You Better

We would rather tell you this upfront than have you use up a limit unnecessarily.

If you are an older Australian

Receiving aged care support, Support at Home funds clinical care in full, covering nursing, physiotherapy, occupational therapy, podiatry, dietetics and speech pathology, regardless of income or assets. That is better than any extras rebate.

If you are an NDIS participant

Therapy related to your disability comes from your plan, not your extras.

If you have a chronic condition

A GP Chronic Condition Management Plan provides five rebated services per calendar year, which you can use alongside extras across the year.

If your injury happened at work or in a transport accident

WorkCover or TAC covers treatment, usually with no cost to you.

Using extras when one of these applies means paying a gap for something that could have been fully funded.

Four Things to Check Before You Book

Extras cover varies enormously between funds and policies, and the differences are worth two minutes on the phone to your fund.

Is the service on your policy? Physiotherapy and podiatry are widely covered. Occupational therapy, dietetics and speech pathology are on fewer policies, and often only at higher tiers.

What is your annual limit? Most policies cap each service type annually, and many people discover the cap only when a claim is declined.

Have you served the waiting period? New policies and upgrades usually carry a waiting period before extras can be claimed.

How much is the rebate? Funds pay a set amount per service, not a percentage of the fee. The rest is your gap.

Ask your fund: "What is my annual limit and per-visit rebate for [service], and have I served the waiting period?" That single question avoids nearly every unpleasant surprise in this area.

What We Provide

Extras commonly also covers custom orthotics and some equipment, usually under a separate annual limit. Check that limit before an orthotic is ordered rather than after.

Physiotherapy

The most widely covered service. Musculoskeletal pain, injury rehabilitation, post-surgical recovery, sports injury and return to activity.

Occupational Therapy

Covered on fewer policies and usually only at higher tiers, so check before booking. Daily living, equipment, home safety and paediatric therapy.

Podiatry

Widely covered. General foot care, heel and forefoot pain, nail conditions, ingrown toenails and nail surgery, and orthoses under a separate limit.

Dietetics

Covered on mid and upper tier policies. Weight, diabetes, gut health and IBS, and nutrition alongside a medical condition.

Read more: Gut Health & IBS · Diabetes Nutrition

Speech Pathology

Covered on fewer policies. Children's speech and language, stuttering, and adult communication and swallowing.

Read more: Speech Delay in Toddlers · Stuttering

Osteopathy

Widely covered. Back and neck pain, headaches arising from the neck, and general musculoskeletal complaints. Clinic-based.

Remedial Massage

Commonly covered, though some funds require the therapist to hold specific accreditation, which is worth checking. Clinic-based.

How to Get Started

Check your cover

Call your fund and ask the question above.

Book

Call 1300 765 456 or book online. No referral needed.

Confirm the cost

We will tell you our fee before your appointment so you can work out your gap.

Claim

On the spot with HICAPS at our Roxburgh Park clinic, or through your fund afterwards with our receipt if we come to you.

Frequently Asked Questions

Do I need a referral?

No. Private health does not require one.

Can I claim Medicare and private health for the same visit?

No. One or the other for a given service.

Do you have HICAPS?

Yes, at our Roxburgh Park clinic. Bring your fund card and you can claim on the spot and pay only the gap. Home visits are paid in full and claimed back through your fund with our receipt.

Will my fund cover home visits?

Most cover the service regardless of where it is delivered, but some treat home visits differently. Worth checking.

Are orthotics covered?

Often, under a separate limit. Check the limit before ordering, as custom devices are a significant cost.

What if I hit my annual limit?

You can continue privately, or we can look at whether another pathway applies. Limits usually reset on 1 January.

Do you charge more than the rebate?

Yes. Funds pay a set rebate, not the full fee. We will tell you the gap before you book.

Conditions

Conditions We Commonly See Under This Funding

What people most often use extras cover for with us.

Musculoskeletal pain

Feet

Children

See the full list on our Conditions We Treat page →

Where We Deliver This

Melbourne

metropolitan Melbourne, including the inner city, northern, western, eastern and southern suburbs

Brisbane

Brisbane city and surrounding suburbs

Gold Coast

Gold Coast and the northern corridor

Sunshine Coast

Sunshine Coast and hinterland

Ipswich

Ipswich and surrounds

Logan

Logan and surrounding suburbs

Sydney

Sydney metropolitan

Western Sydney

Western Sydney and the outer west

Appointments are delivered in your own home across all regions. Osteopathy and remedial massage are clinic-based at Roxburgh Park, where HICAPS on-the-spot claiming is available.

Book an Appointment

Contact inOne Healthcare on 1300 765 456, email info@inonehealthcare.com.au, or book online.

Monday to Saturday, 9:00am to 5:00pm. Closed Sunday.

Make a referral