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  Health Fund Information and Massage

For many individuals and families, health insurance is essential. However people may think that all health funds are similar in what benefits they offer and the premiums they charge. Yet each fund can pay significantly different benefits for different treatments. It is easy to take a lazy attitude and assume that changing to another health funds is probably not worth the effort. However, we suggest that this is not the case and it is more than likely that there is a different health fund to the one you are currently in that offers you better benefits or similar benefits for a lower premium.

          

Well researching each health fund and doing a detailed analysis of what features and benefits are important to you is one way but very time consuming. Some websites act as a broker for a number of different funds and enables you to compare funds based on your particular requirements.


A caution we would add is that brokers only cover a limited number of health funds so please be aware that other funds may be more appropriate for your individual needs. We would still recommend that it's worth checking their shortlist of funds that they recommend for you to see if you could be saving money.

Health Funds and Massage

The following table provides a comparison of some popular health funds. This information was obtained from the company websites and from contacting the companies directly around 31st March 2007. Whilst Inner West Mobile Massage has attempted to ensure that the information is correct, we do not guarantee the accuracy or intrepretation of the data. Indeed when we went through the data collection process we ended up with some slightly different numbers so please be aware that the varying the assumptions slightly can influence the outcome.

We would like to stress that we are not recommending specific health funds as the circumstances for each family or individual are different. We urge that you do your own research and determine what is the best health fund for your own personal circumstances.

The information in this table is based on a NSW Family policy for basic hospital service (approximately $500 excess per person although this may vary with the particular company policies chosen) with extras coverage (that includes massage, of course!). The quoted premium includes the Federal Government 30% rebate and assumes that there is no extra premium due to "Lifetime Health Cover".


Medibank
Private
  MBF     AHM     NIB     HCF  
Monthly Premium $149.40 $130.89 $143.75 $131.07 $213.80
Massage
per treatment#
$15.00 $21.45 $17.00 $18.00 $15.00
Massage limit
per year
per person
$100 $200 $300 $170 $200



#As some funds have a different amount for initial consultation, the figures quoted here are for a second visit.

Medibank Private - First Choice Hospital/Smart Choice Extras
MBF - Budget Hospital and Everyday Extras
AHM - Basic Hospital and Select Ancillary
NIB - Public Hospital plus Extras
HCF - Hospital Savings and Multicover



Another factor worth considering is whether your preferred therapist is registered with a specific fund. For remedial massage, MBF and Medibank Private are more demanding with respect to qualifications/training and there may be significantly fewer therapists who are registered with these particular funds.



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       Massage and Toxins
       Infant Massage/Baby Massage
       Advantages of Home Massage
       Sitting on the Job
       Pregnancy Leg Cramps
       Buying Sports Shoes
       Reflexology
       Aromatherapy
       Prevention of Sports Injuries
       Benefits and Effects of Massage - on the muscular system
       The Need for Sleep
       Sleep Makes You Smarter
       Skin Brushing
       Glucosamine and Chondroitin
       Sixty seconds to good posture
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       Red Meat and Breast Cancer Risk
       Does Running Cause Arthritis?
       Backpacks and Back Pain
       Massage and Osteoarthritis Research
       The Alexander Technique
       Online Massage Courses
       The Feldenkrais Method ®
       "Alternative" Health
       Fit for Ski/Snowboarding
       Does Running Cause Arthritis
       Arnica and Muscle Soreness
       Popularity of Complementary Medicine
       Muscle Soreness and Lactic Acid
       Effect of Warm-up and Cool-down on Delayed-onset Muscle Soreness
       Healthy Nutrition for your Kids
       Are Saunas Good for You?
       Benefits of Using a Heart Rate Monitor
       Healthy Eating for your Kids
       Health Benefits of Fish Oil


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