Apia Health Insurance has partnered with nib to provide special agreements with healthcare professionals and practices across Australia. By choosing to see a provider in the network, you can get better value by being charged less, just for being a Apia Health Insurance member. nib have different arrangements like First Choice and MediGap so, check with your chosen provider if they participate and how they might be able to help keep your costs down.

Only providers in the network will appear in the Find a Provider search tool. That doesn't mean you can't see the provider of your choice, but they may charge you more than providers nib have special agreements with. You can search for providers beyond nib's network on the National Health Services Directory.

No - you can see any provider you want, as long as their professional qualifications are recognised by nib. If you do choose to see a provider outside of nib's network, they may charge you more than the providers nib have special agreements with.

Contact your provider to discuss costs and options before you arrange to see them or book any treatment. Apia Health Insurance have partnered with nib health funds to provide different arrangements like First Choice and MediGap, so check with your chosen provider if they participate and how they might be able to help keep your costs down. Call us first and we can help check what will be covered and advise on the best ways to avoid potential out of pocket expenses.

Check what you're covered for by logging in online. Refer to the Policy Booklet for detailed information. Or you can call us and one of our consultants will be happy to help.

nib don't have special agreements with all healthcare professionals, that's why some won't appear in the network. You can still see any provider you choose, as long as they have qualifications nib recognise and you're covered for that service. In most cases your provider just needs to have a Medicare registration, but Natural Therapies providers must be registered with a specific association, so call us to check before you book an appointment.

You can also search for other Extras providers near you on the National Health Services Directory.

As long as you're covered for a service, you can claim for a range of telehealth consultations via phone or video conferencing. Check with your provider to see if they're able to offer you a telehealth appointment, or use the provider search to find a physio in the network who can offer telehealth consultations - just filter your results by providers who offer telehealth.

If you or a family member need to go to hospital, planning in advance and familiarising yourself with your cover can help you better understand what options you have. Call us before you go to hospital and we can help check what will be covered and advise on the best ways to avoid potential out of pocket expenses.

Only pharmacies we have partnered with and who offer on the spot claiming will appear in the Find a Provider search tool.

If your Extras cover includes Pharmaceutical Prescriptions, you can submit your claim on the spot at a partner pharmacy instead of paying in full and submitting a claim later. Where eligible, all you will need to pay is the gap.

You can visit pharmacies that are not listed on the Find a Provider search tool and, if eligible, claim for Pharmaceutical Prescriptions, however, the pharmacy may not offer on the spot claiming.