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What is Overseas Health Cover (OSHC)?

 

What is Overseas Student Health Cover? Medibank customer FAQs

 

What does my OSHC provide? For Medibank customers

 

What is an OSHC Direct Billing provider?

A Medibank OSHC direct billing provider has an agreement with Medibank to send the bill directly to us. This is to help reduce or eliminate the upfront payment you would normally be required to make at the time of your appointment.

Please use our Find a Provider link to look for your nearest direct billing GPs.

 

OSHC what a gap fees (co-payments)?

The Gap Fees are fees charged by your health professional above what your OSHC covers. To minimize the gap fees, please use our OSHC Direct Billing – Find a Provider page.

 

How do I make a claim?

You can make claims online, in store, by mail or via Medibank OSHC App. Watch our video on how to claim.

 

Does OSHC pay benefits towards the cost of STI testing and treatment?

Medibank OSHC will pay up to 100% of the Medicare Benefits Schedule (MBS) Fee for GP consultations and up to 85% of the MBS Fee for specialist consultations towards the cost of STI tests billed with an MBS item number.

 

How much will an STI test cost me?

It depends on how the testing occurs and how you are charged. If you are taking an STI test, you can call Medibank on 134 148 to ask for more information about your specific situation and how your OSHC might contribute.

 

How much will treatment for an STI cost me?

It depends on what treatment you are given, where the treatment occurs and how the doctors charge you. If you are diagnosed with an STI, you can call Medibank on 134 148 to ask for more information about your specific situation and how your OSHC might contribute.

 

How much will PrEP and PEP cost me?

It depends on what medication you are taking, and how you are charged. If you are thinking about taking PrEP or PEP, you can call Medibank on 134 148 to ask for more information about your specific situation and how your OSHC might contribute.

 

How much will HIV testing cost me?

It depends on how the testing occurs and how you are charged. If you are taking a HIV test, you can call Medibank on 134 148 to ask for more information about your specific situation and how your OSHC might contribute.

 

How much will HIV treatment cost me?

It depends on what treatment you are given, where the treatment occurs and how the doctors charge you. If you are diagnosed with HIV, you can call Medibank on 134 148 to ask for more information about your specific situation and how your OSHC might contribute.

 

Will my parents know what I have used my OSHC for?

Medibank will only communicate your personal information with you and anyone you allow us to. All personal information is handled in accordance with the OSHC privacy policy and that in terms of information about their policy to others, we will communicate where we have been authorised to do so (Authority Form)

If you have purchased your OSHC using your parents or an agent’s contact details (e.g. an email address), it is important that you update your contact details in the Medibank OSHC App or the Online Member Services portal. We will contact you through the contact details you provide us.

 

Does OSHC pay benefits towards the cost of cervical & breast screening? How much will cervical and breast screening cost me?

It depends on where you have conducted your screening and how the doctors bill to Medibank. In general –

  • If you are admitted to hospital, Medibank OSHC will pay 100% of the MBS Fee towards the cost of cervical & breast screening if billed with an MBS item number
  • If you are not admitted to hospital, Medibank OSHC will pay 85% of the MBS Fee towards the cost of cervical & breast screening if billed with an MBS item number

 

Does my health insurance pay benefits towards contraception?

Generally, no. Medibank OSHC will not contribute towards non-prescribed contraception.
In limited circumstances, you may be prescribed a form of contraception by a doctor that is listed on the Pharmaceutical Benefits Scheme (PBS). Under Medibank Comprehensive OSHC, we would pay

100% of the cost (up to annual limits: $500 for Single policies, $1,000 for Couple / Family policies) after a $30 co-payment by yourself. Other products like Medibank Essential and ahm have different co-payment plan.

You can call us on 134 148 to ask for more information.

 

Does OSHC pay benefits towards the cost of pregnancy care? How much will it cost me?

Yes. Medibank OSHC pays towards Pregnancy & Birth up to –

  • 100% of the MBS Fee for In-Hospital Medical Services billed with an MBS number
  • 85% of the MBS Fee for Out-Patient (& Specialist) Medical Services billed with an MBS number
  • Benefits for Eligible Prescription Medicines

You may have to serve a 12 month waiting period before being eligible for these benefits.
If the doctor charges more than the Medibank OSHC benefit, you will have an out-of-pocket equal to the difference between the charge and Medibank’s benefit.

 

Does OSHC pay benefits towards the cost of an abortion? How much will it cost me?

Yes. Medibank OSHC pays towards Miscarriage and Termination of Pregnancy up to –

  • 100% of the MBS Fee for In-Hospital Medical Services billed with an MBS number
  • 85% of the MBS Fee for Out-Patient (& Specialist) Medical Services billed with an MBS number
  • Benefits for Eligible Prescription Medicines

If the doctor charges more than the Medibank OSHC benefit, you will have an out-of-pocket equal to the difference between the charge and Medibank’s benefit after waiting period is served.

 

Does OSHC cover the cost of interpreters?

No, Medibank OSHC does not cover the cost of interpreters for all services.

However, members can call Medibank’s 24/7 Student Health & Support line 1800 887 283 and access free translator services (around 160 languages supported) over the phone whilst talking to health professionals on any health questions or concerns. More information on health support here.

 

Who can see details of my OSHC claims?

Medibank handles all personal information in accordance with Medibank’s privacy policy. We will not share your claims history unless you authorise us to do so.

 

How much gap do you need to pay for prescriptions (i.e. medicines)?

With Medibank Comprehensive OSHC, you will only pay a $30 co-payment for eligible prescription medicines, with 100% of the remaining cost paid by Medibank up to annual limits ($500 for Single policies, $1,000 for Couple / Family policies).

Other products like Medibank Essential and ahm have different co-payment plan. You can call us on 134 148 to ask for more information.

 

Do you have to pay upfront for sexual and reproductive health care even if you have OSHC?

If you attend a Medibank OSHC direct billing provider, they will send the bill directly to Medibank. Depending on the Doctor you see, you may on occasion experience an ‘out-of-pocket’ expense if they bill above the Medibank benefit.

With other providers, you will need to pay upfront and then make a claim (whether online, in store, by post or via Medibank OSHC App).

 

What shall I do if it is an emergency?

You should dial 000 if it is an emergency