Living Healthy Magazine August 2011

living healthySeptember 11

exercise the wonder drug

Q Is your hand not working the way it should?

winter tipwarming up without spreading out!

Safeguarding your Contributions!

benefits in focus

Queensland Country Health Fund Member Newslettered.7

2 Queensland Country Health Fund | September 11

From the General Manager Health FundI am pleased to report to Members that Queensland Country

Health Fund has had a successful financial year both in terms

of financial performance and membership growth. The Health

Fund is a not-for-profit business but some profits are still

derived from our health benefits fund business to ensure we

continue to meet the capital requirements of the regulator, the

Private Health Insurance Administration Council (PHIAC). We

experienced strong demand for our health insurance products

during the year with membership growth of 7%, which is more

than twice the industry average growth for last financial year.

Our significant increase in benefits in April combined with a lower

than industry average premium increase continues to ensure

our products offer excellent value for money and more and more

consumers are recognising this which has contributed to the strong

demand for our products. Growing the Fund is an important focus

but meeting the expectations of our existing Members is our main

goal and we continue to look for ways to further improve the service

and the products we offer. We have included in the Living Healthy

magazine an outline of the increased and additional benefits that were

introduced earlier this year and I would encourage everyone to take a

few minutes to understand how these benefits may be applicable.

Growth in the number of people we cover is an important part of

managing the business to keep premium increases as low as possible.

With this in mind and to provide better access to services for our

Members we are planning to open a branch in Gladstone. This branch

will offer both health insurance and banking services (offered by

Queensland Country Credit Union) and we expect the branch to be

open by early November. This will add to our service centre network

and now provide 5 retail centres that offer the full range of Health

Fund services.

There has been significant political focus on health insurance over

the past few months as the Labor Government progresses with the

introduction of a bill into parliament to means test the Medicare

Rebate. In brief, the bill if passed will mean that individuals earning

more than $80,000 and couples and families above $160,000 would

receive a reduced or nil Medicare rebate which will obviously add to

the cost of health insurance considerably. I am very concerned that

the proposed changes will have a significant negative impact on the

private health insurance industry and, in particular, on Queensland

Country Members. This change will mean that many Members who are

already struggling with the cost of living may find it even more difficult

to remain privately insured and will add to the extreme pressures in

the public hospital system.

Thanks for your support of our great Fund and I welcome any

feedback from Members and suggestions to improve our products

and services.

Aaron Newman

General Manager

Queensland Country Health Fund

Ph. 4750 3300

Email: [email protected] Fund 2006 2007 2008 2009 2010 2011

Queensland Country Health Fund 5.04% 3.81% 2.82% 5.53% 4.50% 4.89%

Medibank 5.88% 4.94% 4.64% 5.74% 5.74% 5.35%

MBF 6.71% 4.39% 4.80% 5.98% 5.62% 5.14%

BUPA Australia 4.92% 4.50% 4.58% 6.00% 5.39% 5.14%

Industry Average 5.68% 4.52% 4.99% 6.02% 5.78% 5.57%

ExCESSIf you have an excess on your policy you only need to pay that excess

if you are admitted to hospital. The excess is payable once per person

and twice in the family membership year. As of April 1st this year,

if you have children aged 5 and under, the excess does not apply to

their admissions. This is another way that Queensland Country Health

Fund is looking after its Members.

PHARMACy CLAIMSEach year the Government sets the Pharmaceutical Benefits Scheme

for pharmacy items. This year the amount is $34.20. This means

that if you are purchasing scripted pharmaceuticals* that exceed

this amount, we may be able to pay a benefit towards it. Pharmacy

items must be scripted, dispensed from a pharmacy or Doctor’s

room, accompanied by an official pharmacy receipt and over the

PBS amount. We pay benefits from $34.20. This means that you

will always pay the first $34.20. For example if you have a script

for Aqueous Nasal Spray priced at $44.20 we will pay $10. If

you have Premium Extras you can claim up to $50 above the

$34.20, and on Essential Extras you can claim up to $30 above the

$34.20. Sub-limits do apply. For further info, please contact us at

[email protected]

* Contraceptives are not claimable unless they meet specific

requirements; please contact us for further details

CPAP MACHINES Sleep Apnoea is found to be more prevalent in our society today

than ever before. Queensland Country Health Fund can help ease

the financial burden of purchasing a costly CPAP machine by paying

a very generous benefit. It is a requirement that a sleep study is

performed in a registered hospital or day surgery facility, an approved

clinic or an approved home sleep study. If you have Private Hospital

cover with us, we can pay towards firstly the hire then the purchase

of these machines. We will pay 85% of cost to hire and/or purchase

the machine, up to $2000* every three years. We will only pay on the

initial mask and tubing purchased with the machine, and a humidifier

in relation to a CPAP machine. Please see our staff for more details.

* this limit covers all mechanical aides and appliances including

CPAP machines

Did you know?

pSeptember 11 | Queensland Country Health Fund 3


Many of our Members have adult children aged

between 21 and 25 years that in the past have

needed to take out their own health insurance

policy on their 21st birthday.

Prior to April 1st 2011, a dependant turning 21 and not

involved in full time study or an apprenticeship was not

eligible to remain on their parent’s policy. At Queensland

Country Health Fund, we understand that not every 21

to 25 year old chooses to study full time or embark on

an apprenticeship. They may be in their first full time job,

doing a traineeship, or working and studying part-time.

Whatever the reason, health insurance is not a priority for

them and more often than not, they don’t have the extra

funds needed to cover the cost themselves.

Queensland Country Health Fund has the solution. We

now offer a policy called Family Plus. This means even

though your adult child between 21 and 25 may not be

studying full time, they can remain on your policy for a

little extra cost**.

If you are in this category, or would like to take advantage

of this policy option, please email us at [email protected].

au to arrange a conversion. We can also assist with the

transfer of dependants back onto your policy.

** Dependants that are married or in a defacto relationship

are not eligible to be covered on this policy

ARE YOUR KIDS 21 AND NOT READY FOR THEIR OWN POLICY?

21

HICAPS is an electronic health claiming and payments system

that lets you process your claims immediately after receiving

treatment, while you're still at the surgery or practice.

With HICAPS you no longer have to make a separate trip to

your Queensland Country branch to lodge your claim or send it

in via the post. It’s convenient and easy. There’s no more claim

forms to fill in and all you need is your Queensland Country

Health Fund Member card.

When using HICAPS, you don't need to pay the full

consultation fee and wait for the reimbursement of your

benefit - you simply swipe your Queensland Country Health

Fund Member card and the claim is finalised on the spot. You

just pay any difference between the full consultation fee and

the benefit amount.

Next time you visit your health service provider, ask if you can

use your Queensland Country Health Fund Member card to

claim on the spot with HICAPS.

Between the 1st and 31st of October, everyone who

uses HICAPS will automatically go in the draw to win 1

of 3 $500 gift cards.

Terms and conditions apply and are available by calling

1800 813 415.

HICAPSFAST claims...on the spotFor more information on HICAPS visit

www.hicaps.com.au.

HICAPS COMPETITION

WIN $500

September 11 | Queensland Country Health Fund 5 1We like to think that we give all our Member’s the opportunity to claim all the benefits available to them. That’s why Queensland Country Health

Fund operates on a Membership year, rather than a financial or calendar year. your Membership year is unique to you, it’s the date you joined our

fund! This date is now listed on your Membership card to make it even easier for you. For more information on your Membership year, please

email us at [email protected]

Queensland Country Health Fund is committed to healthy living, inside and out. We love to get behind our community and support a number

of different sporting teams and community events. Included in our sponsorships are North Queensland Athletics, Townsville Fire, Bowen

Triathlon and the Charters Towers Gold Fever Le Tour. We also sponsor the Townsville Running Festival, of which a large number of our staff

participate in.

Our sponsorship of these community events and organisations reflect our strong commitment to promoting healthy lifestyle and wellbeing in

our communities.

Anniversary Year

Our Sponsorships >

Gladstone BranchAs our name implies we have a particular interest

in providing health insurance services to Regional

Queensland. We have service centres established in Mount

Isa, Mackay, Townsville and Ayr. We are now planning to

expand our service centre network and have commenced the

establishment of a branch in Gladstone. Gladstone is one of the

fastest growing centres in Queensland and a location where

we already have a significant number of Members residing. The

service centre will allow existing Members to receive refunds

of claims paid, provide assistance with changes to their policy

and provide policies to new Members. The branch will adopt

the latest technology and allow Members to receive information

using large touch screens, access their personal information

online and staff can provide assistance using their iPads. The

branch will be located at Shop 39 Gladstone Shopping Centre,

44-55 Dawson Road, Gladstone 4680 and will open on the

7th November.

HEALTHY LIVING BENEFITSIf you have Extras cover with us, you are able

to claim for selected items that help manage

your health and promote a healthy lifestyle.

We can pay benefits towards some of the

costs involved with joining a weight loss

program or quitting smoking. In the past we

have only paid towards selected programs,

we will now pay towards registration or

membership fee to any program (gym

memberships or any physical activity

programs are not included).

Furthermore we will also pay towards

the following items that assist in health

management:

ø Metabolic dieticians and nutritionists

when providing consultations to assist

with weight loss

ø Consultation fees for Diabetes Educator

ø Bowel screening Tests and Bone Density

Tests provided through Chemists/

physiotherapists etc

ø PSA Test – Some Members who have

had prostate surgery require 2 PSA tests

per year. Medicare pays a benefit for one

test a year, and we will now pay a benefit

towards the un-rebated test.


September 11 | Queensland Country Health Fund 7

WHy SHOULD MEMBERS CARE ABOUT INAPPROPRIATE CLAIMS?Since the funds available for the payment of benefits are finite,

every dollar lost to inappropriate claiming means one dollar less

available for payment of your legitimate claim. Ultimately the results

of inappropriate claims mean reduced benefits for Members and

higher contributions, which nobody wants.

WHAT IS INAPPROPRIATE CLAIMING?It’s important to note that an overwhelming majority of healthcare

providers, are doing the right thing. We are talking about a relatively

small number of claims where our claims analysis, investigations

and audits reveal the unintentional billing for services which are not

provided to Members. This is where our focus lies.

WHAT DOES QUEENSLAND COUNTRy HEALTH FUND DO ABOUT THIS? We take our responsibility to provide our Member’s with a great value

product seriously. We have dedicated staff that audit claims and,

identify any areas of concern. We investigate claims, detect where

inappropriate claiming has occurred and stop this from happening

again. These staff liase with providers and claims assessors, aiming

to reduce inappropriate claiming and recovering funds.

HOW CAN yOU HELP?The easiest way to help protect your contributions is to simply

be aware of what you are being billed for. For example, are the

dates of service on your receipt correct? Did you actually receive

the treatment recorded? Like any other invoice or receipt you

receive, it’s worth double checking. It’s also important to treat your

Membership card like your credit card. Don’t leave your card with the

provider, and if you misplace your card, please notify us immediately.

If you have any reason to suspect inappropriate claiming please

call us on 1800 813 415 or email us at [email protected] to let

us know. We guarantee confidentiality and will treat your concerns

with courteous respect. you can choose to remain anonymous if you

wish. We abide by the highest standards of investigative practice

and natural justice, and we will always protect the rightful interests

of all parties.

If you don’t feel comfortable contacting us, please call the Private

Health Insurance Ombudsman on 1800 640 695, an independent

body formed to help resolve complaints.

We greatly appreciate the help we have already received from our

Members and look forward to future assistance as we work together

to safeguard your contributions.

SAFEGUARDING YOUR CONTRIBUTIONS! Queensland Country Health Fund is committed to supporting the good health of all our Members in lots of different ways;

this includes the payment of benefits. As part of our commitment to you, we are working to ensure that we achieve the greatest

possible value from your contribution dollars which are used to pay these benefits. Our claims management program is one

aspect of our work in this area. Claims are audited to ensure that the treatments or services invoiced are actually the benefits our

Members have received. This is delivering good results already and with your help we could do even better!

ExercisetHe WOndeR dRuGAs the Western World’s health and

wellbeing continues to diminish and

the desire for a healthy body image and

better quality of life continues to rise,

“medicinal exercise” is being prescribed

more than ever.

As most of us are aware, regular exercise

plays an integral role in reducing the strain

of our overstretched health system but the

extent of which and its ongoing importance

is becoming more and more evident. Not

only is exercise a well rounded and effective

source of rehabilitation and treatment for

our most debilitating chronic diseases

and injuries, but its role in prevention is

becoming much more recognised. Regular

cardiovascular and resistance training has

been shown to both prevent and treat life

threatening conditions such as Hypertension,

Obesity, Depression, Type II diabetes and

Cardiovascular Disease — the leading cause

of death worldwide.

On the other hand, as allied health

professionals aim at shifting the intention of

exercise from treatment to prevention, sport

and exercise science has come a long way

in providing efficient training programs that

earn those sought-after results at a much

more rapid pace. As time in the day appears

to be disappearing, added with the stress

of work and family commitments, thankfully

research shows that favourable results can

be obtained in minimal time provided the

prescription is accurate.

More specifically, exercise is the key to;

ø Increasing circulation

ø Promoting lean muscle growth

ø Reducing body fat

ø Strengthening cardiac muscle

ø Inhibiting the production of Cortisol

ø Boosting immune function

ø Encouraging joint mobility

ø Enhancing insulin sensitivity

ø Developing bone density

ø Heightening sexual drive and function

ø Producing power, speed and agility

ø Limiting pain and fatigue

ø Improving balance and flexibility

If exercise was a pill, it would be one of the

most effective medications available today,

only without the negative side effects.

Accredited Exercise Physiologists (AEPs)

are widely recognised as the highest

qualified health professionals in the design

and delivery of exercise whether it be for

treatment of serious illness and disease

or for general health and wellbeing. An

Accredited Exercise Physiologist (AEP)

describes a university-trained and ESSA

(Exercise & Sports Science Australia)

accredited exercise specialist who possesses

the knowledge, skills and competency to

design and deliver general physical activity

advice and clinical exercise prescription for

apparently healthy persons and for those

persons with chronic and complex diseases.

The aim of the intervention is to facilitate

long-term behaviour change by encouraging

the self-management of health through

exercise and other lifestyle modifications,

with a view to preventing and

treating disease.

Matthew Stark works at

Synergy Health and Fitness

Solutions, Townsville


tHe WOndeR dRuG

Matthew Stark

Accredited Sport and Exercise Scientist

Accredited Exercise Physiologist

BSpExSci GradDip ExPhys (Clin) ESSAM AEP

>

If exercise was a pill, it would be one of

t e most effective medications available today


10 Queensland Country Health Fund | September 11 ‘‘

and treatment of these conditions. Treatment may include one or

combination of the following therapies:

ø Pain management to minimise the use of medication

ø Swelling control including massage, compression bandaging and

garments

ø Scar management including desensitising scars, improving

appearance and ensuring scars do not restrict movement

ø Exercise programs to improve movement, dexterity and strength

ø Custom-made thermoplastic, leather or soft splinting

ø Taping or bracing

ø Activity modification and equipment prescription to improve

independence in daily life

ø Preparation for return to work

Some hand therapy services also provide electrical modalities,

ultrasound and dry needling.

Rehabilitation After an Operation

Hand therapy is beneficial following any surgery to the upper limb to

ensure people recover and return to normal everyday life as soon as

possible. Hand therapists work very closely with surgeons to plan a

rehabilitation program that suits the individual. Hand therapy following

an operation can include any of the treatments listed above, as well as

wound care to promote healing and prevent infection.

Work Rehabilitation

Hand therapists are trained to work with employers and their

employees to establish injury prevention programs and assist injured

employees return to work. Hand therapists can visit the workplace

to recommend environmental modifications and/or alternative work

practices.

COMMON CONDITIONS TREATED By HAND THERAPISTSHand therapists treat any condition involving the hand, wrist and

elbow. Some of the more common conditions seen by a hand

therapist include:

ø Amputations and Detipping Injuries

ø Arthritis

ø Fractures

ø Dislocations and Ligament Injuries

Is your hand not working the way it should? `CONSIDERHANDTHERAPYWHAT IS HAND THERAPy?Hand therapy is a term used to describe rehabilitation of the upper

limb. Despite the name, this includes the shoulder, elbow, wrist and

hand. Hand therapists complete a thorough assessment of the

affected limb to develop an individualised treatment plan to prevent

injury or impairment, restore function and enhance participation in

everyday activities.

WHAT IS A HAND THERAPIST?Hand therapists are registered occupational therapists and

physiotherapists who, through further education, clinical experience

and independent study have specialised in the treatment of upper limb

conditions resulting from injury or disease.

HOW CAN A HAND THERAPIST HELP yOU?There are three main times when a hand therapist can help you.

These include:

Preventative or Conservative Treatment

There are many conditions and symptoms that hand therapy can

improve or resolve, often preventing people from needing an

operation. Hand therapists play an important role in both diagnosis

Hand terapists complete a torough assessment of te affected limb to develop an individualised treatment plan

COMMON CONDITIONS TREATED By HAND THERAPISTS

CONTINUED

ø Joint Replacements

ø Tendon Injuries

ø Tendonitis and Tenosynovitis such as Trigger Finger

ø Nerve Injuries and Compressions such as Carpal Tunnel and

Brachial Plexus Injuries

ø Complex Regional Pain Syndrome

ø Burns

ø Wounds to the upper limb

ø Dupuytren's Contracture

ø Soft Tissue Injuries

ø Sporting Injuries

ø Overuse Injuries

ø Autoimmune Conditions such as Scleroderma.

INTERESTING PRODUCTHand therapists specialise in the fabrication of low temperature

thermoplastic splints. These splints are custom made for each client.

There are many advantages of thermoplastic splints, particularly in the

Queensland climate. They are cooler and light-weight compared to

casts and can be washed easily.

HOW TO FIND A HAND THERAPIST IN yOUR AREA?you can find a Hand Therapist in your local area on the Australian

Hand Therapy Association website www.ahta.com.au

Acknowledgements

The Australian Hand Therapy Association website www.ahta.com.au

The American Society of Hand Therapists website www.asht.org

‘‘

‘‘Amanda Trezona

Helping Hands

Occupational Therapy

BOccThy, MAHTA



winter tipWaRMInG uP WItHOut SPReadInG Out!Winter is certainly here with some

record low temperatures, early

snowfall and a frosty bite in the air

in the early mornings and evenings.

Most people will change their eating

habits with the cool weather — from

a bowl of porridge in the morning to

soup for lunch and a slow cooked

casserole for dinner. Warm, hearty

food has such a comforting effect and

while hiding a flabby stomach under

many layers can sound very appealing,

warmer weather is only a couple of

short months away when that stomach

will be bare on the beach once again.

Comfort food doesn’t have to be fat and carb

laden, in large serving sizes and lead to a

spread of the waistline. Many winter foods

can be nutritious, warming and keep that

beach ready body over the cooler months.

Try these suggestions on for size…

Cold cereal, fruit and yoghurt or a smoothie

are not so appealing in winter so to warm up

straight out of bed, try:

ø Porridge with honey/cinnamon/fruit/

dried fruit

ø Baked beans on toast

ø Poached eggs on toast

ø Weet-bix with warm milk

ø Warm poached fruit with yoghurt & a

sprinkle of nuts

Need a comfort snack during the day?

Why not try:

ø Cup-a-soup

ø Single serve pumpkin or vegetable soup

ø Skinny coffee/chai/hot chocolate

ø Sachet coffee/chai/hot chocolate made

on water with a dash of milk

ø Small handful dried fruit and nuts

ø 2–3 grainy crackers with light

peanut butter

ø 1 mountain bread wrap with a sprinkle

of cheese (melted in microwave/grill/

sandwich press)

Salad for lunch not cutting the mustard?

Try these warm lunch options to get you

through the day:

ø Homemade or canned soup (go for low

salt/low fat options) such as minestrone,

vegetable, chicken or beef

ø Try toasting your sandwich!

ø Small serve leftover stew/casserole

ø Make extra rissoles and make a rissole

sandwich with extra salad

ø Toasted wrap with chicken or tuna, a

sprinkle of cheese, tomato and spinach

ø Small serve pasta (best on your more

active days!)

ø Low fat frozen meal such as Lean

Cuisine, Weight Watchers etc

Carbs at dinner are synonymous with

comfort; think a hearty stew with creamy

mashed potato, a rich tomato pasta or a

fresh risotto. These dinner options will

stop you spreading:

ø Steak with grilled vegetable salad e.g.

zucchini, eggplant, capsicum, onion etc

ø Marinated chicken breast with

roasted veggies e.g. sweet potato or

pumpkin, capsicum, onion, cauliflower,

beetroot, zucchini

ø Beef and veggie soup (packed with

whatever veggies you can find!)

ø Slow cooker lamb (choose a lean cut)

with plenty of veggies (go easy on

potato)

ø Grilled fish with asparagus, broccolini

and a small serve of skinny mash (potato

mashed with skim milk)

A warm pudding on a cold winter’s night —

delicious for the taste buds, dire for the

waist-line. Try baked or poached fruits

such as plums, apples or pears with low fat

custard, a low fat baked custard, a healthy

apple crumble (go easy on the butter in the

crumble!) or succumb to a smaller serve of a

delicious pudding once a week as a treat.

Winter is not only a time to undo your hard

work in the nutrition department, but also

with fitness. Getting out of a nice, warm bed

on a cold, dark Winter’s morning doesn’t

(: K k L @

sound so appealing. Instead of skipping

your exercise session, change to a Winter

friendly option:

ø Take a longer lunch and exercise in the

warm part of the day — take a walk, run

or ride in the sunshine!

ø Try a gym class or indoor group

exercise session

ø Set up a circuit at home in the comfort

of a warm room — tricep dips, sit-ups,

push-ups, squats, lunges and many other

exercises can easily be done at home

ø Try Bikram yoga — it’s definitely warm in a

38-degree room!

ø Walk to work or home from work

ø Use the weekend for a longer exercise

session later in the day — take a long

ride, walk or hike

ø Get an exercise DVD or use your Wii

fitness programs

ø Organise a friendly touch, tennis, soccer

or netball match with friends, kids

or family

If you need more suggestions, recipes,

tips and hints on keeping lean over

Winter check out the Eat Smart blog

at www.eatsmartdiet.com.au.


Lauren Nugent

Eat Smart

Nutrition Consultant


In addition to raising individual item number benefits, we have also increased the sub-limits for diagnostic, preventative and oral surgery services.

This ensures that our Members can take full advantage of our increased benefits. For more information on these sub-limits, please don’t

hesitate to contact us at [email protected]

OPTICAL BENEFITS INCREASEOptical benefits have also been reviewed and increased. you are able to use your whole optical limit towards any current optical item;

contacts, lenses, frames, prescription sunglasses, and we will cover up to your available limit per Member, per membership year.

dental IteM deSCRIPtIOn

OuR BeneFItS

PReMIuM extRaS eSSentIal extRaS SMaRt StaRt

Comprehensive Oral Exam (011) $42 $27 $32

Periodic Oral Exam (012) $42 $27 $32

Removal of calculus (114) $70 $45 $53

Topical fluoride (121) $20 $13 $15

Surgical removal of tooth (322) $175 $112 $131

Adhesive restoration/filling (531) $85 $54 $64

OPtICal BeneFItS – annual lIMIt PeR PeRSOn PeR MeMBeRSHIP yeaR

PReMIuM extRaS eSSentIal extRaS

$275 $185

Queensland Country Health Fund prides itself on offering products with market leading benefits. We spend time each year

reviewing these benefits to make sure we are offering competitive benefits and a value for money product. In April this year,

we increased a number of our benefits.

DENTAL BENEFIT INCREASESA major focus this year centred on raising individual dental limits and benefits. The aim of increasing these benefits is to encourage better

dental health amongst our Members. Examples of new benefits payable on some commonly used dental items can be found below:

o


We have recently introduced a new benefit for Members who participate in Exercise Physiology. Benefits for this therapy are available for both

Essential and Premium Extras. The benefits are outlined in the table below:

To be eligible for receive a benefit for exercise physiology, a letter from your medical practitioner is required. It must state that the referral is for

an existing medical condition, including rehabilitation, pre & post operative conditions and chronic disease management.

Exercise Physiology

Physioterapy

exeRCISe PHySIOlOGy

(Paid under Physiotherapy)

PReMIuM extRaS

$550 sub-limit per membership year.

Limit applies per person covered

eSSentIal extRaS

$350 sub-limit per membership year.


Initial consultation2 months waits

$50 $32

Monthly Program Fee $35 $22

PHySIOtHeRaPy

PReMIuM extRaS

$550 sub-limit per membership

year. Limit applies per

person covered

eSSentIal extRaS



person covered

SMaRt StaRt



person covered


$50 $32 $40

Monthly Program Fee $35 $22 $30

Physiotherapy is medical treatment for problems of the joints, muscles, or nerves, which involves doing exercises or having part of your body

massaged or warmed. Some people require physio as a part of their rehabilitation or recovery following a procedure. Queensland Country

Health Fund pays benefits towards Physiotherapy if you have Essential or Premium Extras cover, or hold a Smart Start policy. Please see

below for benefits.

BeneFItS In FOCuS

Occupational Therapy

OCCuPatIOnal tHeRaPy

PReMIuM extRaS$1400 overall limit per membership

year. Limit applies per person covered

eSSentIal extRaS

$900 overall limit per membership year.



$60 $38

Subsequent consultation $35 $22

Occupational therapy is a profession focused with promoting health and well being through occupation. The primary goal of occupational

therapy is to enable people to participate in the activities of everyday life. Occupational therapists, or OT’s, achieve this outcome by enabling

people to do things that will enhance their ability to participate or by modifying the environment to better support participation.

Queensland Country Health Fund covers Occupational Therapy consultations under Premium or Essential Extras. Please see below for more

benefit information:

D

Terms, conditions and fees apply. This product is issued by Queensland Country Credit Union Limited ABN 77 087 651 027 AFSL/ACL 244533A copy of the Product Disclosure Statement can be obtained from your local branch. Before acquiring this product you should consider whether or not its appropriate for you.

qccu.com.au

a refreshing attitude to banking

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relax. Your super is safe with Queensland CountrY’s superannuation solution.

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Documents

Living Healthy Magazine August 2011