Southern Cross provides cover for treatment which is medically necessary.
Medically necessary means healthcare services that in the opinion of Southern Cross are necessary for treatment of the health condition involved, are not experimental or unorthodox, and are widely accepted professionally as effective, appropriate and essential based upon recognised standards of the healthcare speciality involved.
Southern Cross does not cover cosmetic treatment. Cosmetic treatment means any surgery, procedure or treatment that improves, alters or enhances appearance, whether not undertaken for medical, physical, functional, psychological or emotional reasons.
Under fee for service: Members must contact us for prior approval if the cost of their healthcare service is likely to be over $1,000 or if they need to be hospitalised - including day stay or in-patient surgery regardless of the cost.
Members should do this at least four working days before the healthcare service being provided.
Southern Cross will provide written confirmation advising the member's eligibility for cover, whether part payment by the member is necessary (because of excesses, estimated costs exceeding policy limits or reasonable charges) and any other applicable conditions.
If the member doesn't receive prior approval before the surgery/procedure, they will need to pay the full cost themselves and lodge a claim with itemised receipts for reimbursement from Southern Cross.
Healthcare providers can help Southern Cross members with prior approval by:
encouraging the member to seek prior approval from Southern Cross as soon as the healthcare service is planned providing the member with a written quote and breakdown of costs (eg surgeon fee, anaesthetist fee, prosthesis, hospital costs) and the specific name of the healthcare service ensuring the member knows the name and address of the surgeon/specialist and the hospital/facility where the healthcare service will take place.
Under the Affiliated Provider programme: The Affiliated Provider applies for prior approval on behalf of a member through an online system. If confirmed, the Affiliated Provider will let the member know upfront how much, if anything, they need to pay towards the healthcare service.