Teachers Health Fund is the best
I have been a member of Teachers Health since 1986 and I love being a member as it is the best health insurance around. I am proud to be a member of an award winning, low cost health insurance provider that consistently keeps premium increases to a minimum and which actively seeks feedback from its members to enhance the services it is able to offer. I especially love that when I compare Teachers Health Fund to other funds it always comes out superior. I am also proud to be a member when practitioners who use Hicaps comment about how generous m...y rebate is. I love the THF app, as it is user friendly as well as being easy to make claims online and track my claims history. I always recommend this fund to my fellow colleagues and I have even convinced teachers to join Teachers Health.
Responsive and friendly
Easy to set up the policy and to claim.
Things were explained to me in simple terms and the policy was tailored for my needs.
It's great to be part of a not-for-profit, member owned, community based fund.
Health fund staff sound like robot, do not understand a logic
have tried to put my policy on hold till the Covid -19 situation will ease and go out to chiro or dentist, but staff over the phone (hanna) could not understand this and asking to do telephone conference with my chiro or dentist. she just follow the script they have given her. the only way to suspend the premium is to have lost of income, how about not been able to go out because of the social distance restriction?rota I am suffering from respiratory illness and expose to any virus could kill me, but she can,t understand it at all. how ungreathfull this health fund is
I feel like making a mental health claim after dealing with Teachers Health
I have been a member for many years and make very few claims. When I do make a claim my experience is the same. Hicaps does not work. Phone app does not work and on it goes. Really! Paying top dollar for a very poor service
I was informed by Teachers Health Fund my claim was denied & I had to go back to the doctor because the provider number on the form was hand written instead of being stamped. In the middle of a covid- 19 pandemic I have to go back to the doctor, stop him from seeing patients that really need to see him & expose myself in an unhealthy environment all for the sake of a stamp.
Reasonable value but service just about non existent.
Because private health is in what is known as a death spiral becoming increasingly unattainable due to excessive price increases, people are leaving in droves. Still, apart from Mildura Health, Teachers looked to be still the best value in the market. At Just under $4000 for no excess full Hospital Gold Cover its hard to believe this is our annual premium.
The sales process was simple, but claiming was arduous, tiresome and extremely difficult.
Dealing with recalcitrant staff that didn't know the rules, massive wait times on the phone and no action until Ombudsman got involved.
My advice - look elsewhere.
Poor customer service and complaints system
I have been a member for over 40 years with top cover and very few claims. Overall I don't feel it's very good value for money for the few services like physio and dental that I occasionally claim. But my real complaint is with the lack of adequate customer service and complaint system. When I rang last week for the first time in many years with a fairly simple but important question, it took 70 minutes to speak to a representative who put me on hold twice. After waiting another 20 minutes she could not answer my question so I requested a ...call back from a supervisor. Three business days later I had not received a return call so I logged the query and a complaint online only to discover after entering the details that I could expect to wait eight days for a response. So I called again and waited another 35 minutes to get a call back. The representative said he was unable to connect me to a supervisor and said he would log the complaint but there was no way of knowing how long it would take to get a response. I still haven't heard back. I thought every business was required to have a timely complaints system but it seems not. Time to get a new provider.
Poor service, sales answers immediately "claims" over 21 minutes and callback went to voice mail
Held on for 21 Minutes then asked for a callback. Callback somehow went to voicemail rang again and mistakenly pressed sales they answered within 10 seconds now back in callback queue.
Tried the website looking for a dentistry claim cannot view unpaid but received claims. They have sent us an email re hospital linked to dentistry claim saying they need the dental surgeon's invoice. We cannot see that communication (email ) in their correspondence tab. No Chat facility... Really this organisation needs to start using technology appropriately.
long phone call times
Teachers H F in the past has always provided excellent customer service and reasonable value for money.
However recently it takes forever to talk to someone on the phone...no matter what time of day you call.
I have used the option of a call back when nearing the front of the queue, and no one calls back.
Really not good enough.
Cannot communicate with them!
It takes 30 minutes to half an hour to speak to someone. Today the receptionist hung up because it was a bad line. Don’t bother emailing them. They don’t answer them either.
What a pain to claim
The website makes it very difficult to claim, which is very frustrating. It should be an easy process as the collection of my money is an easy process!! You would think that preventative skin cancer treatments would be covered, but no. A metvix red light treatment is not covered.
Teachers Health Fund Richmond Dentist
I have been going to Teachers Health Centre in Richmond for years. Dr Tony Fang is an amazing professional. He is polite,
friendly and gentle, not to mention very skilled. I have recommended many friends and family and they say the same.
Thanks Dr Tony for looking after my teeth.
Poor response claims
I called today to enquire as to whether THF had received my claim, as I logged it online via THF app. My claim did not show as pending for payment . I enquired as to why it did not show when I logged in to my account online...response.......it is a complex claim.It was a claim for orthodontic work....Straight forward item number. I was then advised my claim was in a queue! My claim submitted on 31/10 ..THF were beginning to process claims received on 18/10...I was effectively 11 days down the list before my claim would be even looked at! I hav...e paid private health insurance ALL my working life...I am now 59. How has it come to this....?These delays are completely unacceptable.... not to mention that I was on hold for 50 minutes before my call was anaswered.
Ridiculous Bureaucratic Requirements To Claim A Small Benefit
After almost 20 years of membership, I joined a local YMCA gym to maintain fitness and health in my retirement. I'm 73 and have top hospital and extras cover. The gym waived their joining fee and simply direct-debits me $23.30 a fortnight for use of their extensive facilities. Great deal!
But to claim the advertised gym membership benefit from Teachers Health, I must first obtain a written recommendation from a health professional - at my own expense, of course. Then I must submit official tax invoices for each fortnightly payment. Bank state...ments etc will not do. The maximum refund I may receive from Teachers Health is $200 in a calendar year. So after the cost of a visit to a health professional to have my gym membership endorsed, and subject to 26 fortnightly tax invoices being accepted by Teachers Health, I can expect about $7.60 a fortnight in refunds. Hopeless deal! I value my remaining time too much to waste it on this cumbersome, unnecessary and mistrustful set of requirements. I wonder how many other disgusted members there are who, like me, just walk away and don't bother to make this claim. We receive regular pamphlets from Teachers Health extolling the benefits of healthy living, eating and exercise. It's obviously just window dressing. And please don't respond by telling me you understand my frustration/disappointment, Do something practical instead and change your outlandish requirements on this supposed benefit
I’ve had two operations my recent one left me feeling disappointed by teachers health. I’m a gold level of cover patient and was completely bemused of the out of pocket cost of the surgeon and anesthetist. We were told it will all be covered this was in fact not right, the health fund says we are only covered if the surgeon charge under “access gap” to which this should be arranged between the health fund and the surgeon. He didn’t charge under the gap as he felt the amount the health fund pays out was minimal, same with the anaesthetist the he...alth fund didn’t fully cover that. Merely only matching or not even matching what Medicare covers has made us question weather the $166 a fortnight is better spent in our savings than to teacher health. The out of pocket expenses is unfair on people trying to do the right thing, they also handle claims so slowly it’s terrible.
Slow processing times
THF used to be an efficient health care provider, but I have to agree with the more recent reviews here and say that they’ve plummeted downhill. I submitted a claim worth thousands of dollars and heard nothing. Upon emailing the company to query the status of my claim, I received the reply “We are experiencing a large volume of work ... will reply to your query within 8 working days.”
8 working days for a reply?!
As a business, I’d be embarrassed to even write that, let alone have it as a policy! By the looks of these reviews “large volume of ...
This fund has gone horribly downhill - avoid at all costs
Lodged a claim via email three weeks' ago and still have not even received an acknowledgement that the claim has been received and is being processed. Called the Call Centre to ask whether they have received my claim and the call centre operator apparently found it amusing that I was calling and responded in a sarcastic, superior tone, 'Oh we'll process it eventually... maybe another in another 3 or 5 or 10 business days. I couldn't really say when it will be done.' This from a company who have previously not even bothered to process my claims ...previously unless I've chased them up. Really want to stay in this fund and support a non-profit fund for teachers, but I'm just not willing to be treated this badly. It used to be a great fund, but it is a long way from that now - something has clearly gone horribly wrong with their workplace culture for people to be behaving in this way and thinking it is OK.
Worthless in your time of need
You primarily have private health for when things go really bad. So when inoperable brain cancer comes out of the blue your initial thought is '....well, at least I have top of the line cover'. When you discover the top hospital and extras cover that you've been paying for all your life doesn't actually cover any end of life care or hospital transfers needed it's difficult to see this top of the line cover as anything other than worthless.
Dishonest & Immoral !!!
Soooo my husband had an EXTRAS policy with you guys ... NO hospital.
Myself & my daughter changed over from Bupa and we were advised to go onto my husbands policy (I’m in teaching myself so didn’t need to go onto his policy) ... at that time you had your 6 weeks free offer for new members ... HOWEVER ... you are DENYING myself and my daughter the 6 weeks free because we joined another EXTRAS policy !!!!
How can you justify this Teachers Health ? The premium for my husbands extras policy was around $50 per month ... myself & my daughter have now...
An appalling health fund
I have been a continual member of a private health fund since 1977. I recently switched to THF and was appalled at lack of service and embarrassed when standing at a medical practitioner's counter only to find claims were rejected even though I had full extras cover.
Questions & Answers
Hi I am a teacher and looking at transferring from Medibank Private where I have been for over 30 years to THF, however there seems to be so many negative comments in the reviews. This is not real reassuring when you are about the change cover from a fund you have been in for many years.
Has anyone switched from Bupa (Advantage Hospital/Silver extras) to the Teachers Health Fund? I've tried previously to compare the two but it's a very complicated task. Bupa is costing me a packet. I'm a teacher, so I could do this move.
I am unable to offer anything about Bupa, sorry. I have compared one or two other funds with the intention of moving to another fund, but owing to having built up loyalty benefits for years' of service, with higher benefits paid to me if the need arose, I would lose these higher benefits if I was to leave Teachers Health.
Teachers H.Teachers Health Fund
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