Referring to an Affiliated Provider

The Affiliated Provider (AP) programme is one way we are working with healthcare providers to manage the impact of rising healthcare costs on our members' premiums.

An AP is a doctor, specialist or medical facility contracted to provide Southern Cross members with certain healthcare services at agreed prices.

Benefits for Southern Cross members

1. It's easy. The AP organises prior approval for the member's healthcare service and claims on their behalf
2. It keeps future premiums more affordable by helping us to manage the cost of claims
3. Agreed prices mean that, in most cases, members know up-front how much, if anything, their contribution will be

We encourage members to seek referral to an AP to help moderate claims costs in the long term. In all Southern Cross plans (apart from UltraCare), some services are AP-only.