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Health Management Programs: How to Use Health Insurance to Hack Your Life

There are many benefits to having private health insurance. But one of the most underrated features is the health management programmes on offer to policy holders. Various health and wellness programmes are created to assist individuals in achieving a well-balanced and overall healthy life. These programmes include health screenings, nicotine withdrawal therapy, and gym memberships.
Fact Checked

Updated: 15 May 2024

This article outlines the many aspects of private health insurance health management programmes and how you can use them to your advantage. It’s important to remember that your access to specific management programmes may vary depending on your policy level. Always check with your policy provider before claiming back. 

Key facts

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What is a health program?

Health maintenance programs are an important part of staying healthy and preventing illness. They are often covered by private health insurers, which means that there is an incentive for people to participate. The programs typically involve a range of services, such as health check-ups, screenings, and vaccinations. Insurers often offer rewards for participating in these programmes, as it reduces the likelihood of their members making claims.

This is beneficial for both the insurer and the member, as it helps to keep costs down. Participation in health maintenance programs is a boost of encouragement to lead a healthy lifestyle and prevent illness. It is important to remember, though, that these programs are not a substitute for medical care. If you have any concerns about your health, you should always consult with a medical professional.

Health management benefits:

How a health program can enhance your life

Given the high cost of treating these conditions, it’s no surprise that health insurance companies are interested in preventing them. That’s where Health Management Programs come in. These programs are designed to help people adopt healthy lifestyle habits that can reduce their risk of developing chronic diseases. 

Weight management is just one example of a Health Management Program. These programs can also help people quit smoking, eat healthier foods, and get more exercise. By encouraging their customers to live healthier lives, health insurance companies can save money in the long run. And that’s good news for everyone involved.

Below are the most common branches within various health management programmes offered by private health insurance companies:

Compare health programs

Depending on your level of coverage, you could be eligible for one or more of the many health management programmes offered by your health insurance company. Below are the available health management programmes provided by Australian private health insurance companies. 

Insurer
Health programs
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Health review Nutrition Assessment Dental Check Up Discounts on gym memberships, movie tickets
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Weight Management Gym Membership Childbirth Education and Support Swimming Classes Health Screening
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Nicotine replacement therapy Weight management programs Health subscriptions to Diabetes Australia and the Asthma Foundation
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Diabetes Management Program Pregnancy support program
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Receiving mental health support Living with chronic conditions Preparing for parenthood Adopting a healthy lifestyle Receiving hospital care in your own home Looking after your dental needs

Source: PrivateHealthGov.au, 2022

How to claim from your health program

Frequently Asked Questions and Answers

Health maintenance programs are an important part of staying healthy and preventing illness. They typically involve a range of services, such as health check-ups, screenings, and vaccinations. Private health insurers often cover the cost of these programs and offer rewards for participation, as it reduces the likelihood of their members making claims. Simply check if you are eligible and use the insurance provider’s website or app to claim back after a service.

Before you start any program, it’s important to check your eligibility. Generally speaking, if you have a private health insurance policy, you’ll be eligible for some of the programs. However, coverage levels can vary, so it’s always best to check with your provider before enrolling. Those with higher level coverage will generally have a broader range of access. Make sure you understand what your policy covers and whether there are any exclusions. Some programmes may require a referral from your GP, so it’s worth checking this in advance. If you’re unsure, ask the provider of the programme or give your insurer a call. By taking these simple steps, you can be sure that you’re getting the most out of your policy and maximising your chances of success.

No, unfortunately, health programmes no longer offer cover for yoga classes or memberships. You may be eligible for gym membership benefits. Be sure to check if your policy level gives you access to the health management programme.

Before you start any program, it’s important to check your eligibility. Usually, if you have a private health insurance policy, you’ll be eligible for some of the programs. However, coverage levels can vary, so it’s always best to check with your provider before enrolling. If you are, you can join one of the many health management programmes on offer, such as weight or diabetes management, and claim back coverage on the services and treatments involved.

There is no best programme that will suit everyone’s needs. This depends entirely on your current health status, underlying conditions, or lifestyle. For example, if you are a smoker and wish to quit smoking, you can join the nicotine replacement therapy programme. Alternatively, if you are considered overweight and need support to help you get in shape, you can join the weight management programme.

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Megan has extensive experience writing about health and life insurance in Australia. Megan has a special interest in health and wellness. She relies on her background in counselling psychology to convey the latest findings in a manner that is most beneficial to ComparingExperts readers. In every article she writes, Megan aims to uphold the standards of the Private Health Insurance Intermediaries Association (PHIAA) which ComparingExpert is part of.

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