Member Guide - RACT

Detailed extras comparisonEXTRAS COVERExtras services Waiting Periods Platinum Extras Gold Extras Silver Extras Bronze ExtrasDENTALMAJOR DENTAL (see important note for dental) 12 monthsOrthodontic Benefits example: Fixed appliance treatment – upper and lower jawtreatment by a registered specialistMaximum benefits per calendar year12 months85% up to $500 peryear incr. to $850 at10 years85% up to $450 peryear incr. to $850 at10 years75% up to $320 peryear incr. to $570 at6 yearsMaximum benefit per course of treatment $2,550 $2,550 $1,710 $90075% up to $300per yearLifetime benefit limit $2,900 $2,900 $1,900 $1,050Important note: The table opposite must be read along with thefootnotes below.Important note for dental: The benefits shown are the annual limitsfor each type of dental service. The annual limit is a combinedGeneral and Major Dental limit per person, per calendar year. Thereare further sub limits within some of these dental services e.g. theindividual benefit for one crown on Platinum or Gold Extras is $300.General dental – There is a range of dental procedures that cannotbe claimed when provided on the same day e.g. a filling on a tooththat has been removed. There are also limits on the number of dentalprocedures you can have e.g. periodic examinations are limited to 2per calendar year. Dental benefits for some procedures cannot bepaid unless tooth identifications (ID) are supplied by the provider.The general dental limits for dental examinations and scale & cleanprocedures are available per person on a calendar year basis.For services other than dental, benefits for 1 initial consultation areavailable each calendar year.Preventative dental – A detailed list of item numbers and definition ofbenefits payable under preventative dental can be found on page 49.EXTRAS COVERDentures (see important note for dental) 12 monthsNew full upper and lower dentures per 2 years $500 $500 $420 $420Combined crown and bridgework (see important note for dental) 12 monthsAnnual limit per person each calendar year $900 $600 $450 $450Indirect restorations (see important note for dental) 12 monthsAnnual limit per person/single membership each calendar year $400 $400 $350 $350Annual limit per family membership each calendar year $700 $700 $700 $700Implants (see important note for dental) 12 monthsAnnual limit per person each calendar year $400 $400 $400 $400GENERAL DENTAL(For more information see general dental note)2 monthsa) Diagnostic services 2 months Set benefits apply Set benefits apply Set benefits apply Set benefits applyb) Preventative services e.g. periodic examination 2 per calendar year, removal ofplaque 3 per calendar year. Annual limit per person per calendar year. Seepreventative dental note2 monthsUp to $450per personUp to $300per personUp to $200per personUp to $200per personc) Simple extractions (not including surgical extractions of wisdom teeth) 2 months Set benefits apply Set benefits apply Set benefits apply Set benefits applyd) Restorative services (limited benefits apply to precious restorations) 2 months Set benefits apply Set benefits apply Set benefits apply Set benefits applyANNUAL LIMIT(see important note for dental)12 monthsAnnual limit per person each calendar year $2,000 $2,000 $1,000 $1,000All extras services must be provided by practitioners in private practice who are appropriately registered with recognisedbodies approved by us.We recommend you call 13 27 22 for a benefit estimate before commencing treatment to confirm the benefit payable.For services other than dental, benefits for initial consultation per therapy type are available each calendar year.28 29