NAVY Health Members · HICAPS on the spot

Use your NAVY Health cover at Ace Health Centre on the Gold Coast.

We accept NAVY Health extras at Ace Health Centre for podiatry, physiotherapy, exercise physiology, remedial massage and clinical pilates. Your rebate is processed instantly at the front desk via HICAPS — you only pay the gap (if any), and you never see a claim form.

Book an assessment Call (07) 5572 6222

How HICAPS works with your NAVY Health card.

Bring your physical or digital NAVY Health membership card to your appointment. We swipe it through HICAPS at the front desk after the visit, and the rebate posts to your account in real time. The amount your fund covers depends on your level of extras and how much of your annual limit you’ve already used.

The gap (what’s left after the rebate) is settled at the desk by card, contactless, or bank transfer if you prefer. We’ll show you the rebate and the gap on the receipt so there are no surprises.

If you don’t have your card on you, no problem — we can look up your NAVY Health membership from your name and date of birth.

What your NAVY Health extras typically cover with us

Six services NAVY Health members commonly claim.

Whether each is on your specific policy depends on your level of extras. We HICAPS what you’re covered for and show you the rebate on the spot.

Podiatry

General foot care, biomechanical assessment, callus and nail management, heel pain, custom orthotics. The most commonly used extra in our clinic.

Physiotherapy

Musculoskeletal pain, post-injury and post-surgical rehab, chronic pain management, pre- and post-natal care, sports injuries.

Exercise Physiology

Goal-directed exercise programs for chronic conditions, deconditioning, cardiac and metabolic health. Often the next step on from physio.

Remedial & Sports Massage

Soft-tissue release, trigger-point therapy, sports recovery, pregnancy and post-natal massage. Claimable on most levels of extras.

Clinical Pilates

Reformer and mat classes prescribed by our physio team for spine, pelvis and post-natal recovery. Claimed as physiotherapy on most policies.

Nutrition & Dietetics

Weight management, gut health, sports nutrition, post-bariatric and chronic-disease nutrition. Covered on policies that include dietetics extras.

How to use your NAVY Health cover here

Three steps from booking to instant rebate.

Book your appointment.

Book online or by phone. No referral needed for any of our services on private rebate; we’ll find a time that suits.

Bring your NAVY Health card.

Physical or digital is fine. If you forget it we can look up your membership from your name and date of birth — it just takes a minute longer.

HICAPS at the desk.

We swipe your NAVY Health card after the visit. The rebate posts instantly; you pay the gap by card or contactless. No claim form, no waiting for reimbursement.

Questions we get asked

Common NAVY Health extras questions.

01 Will there be a gap to pay?

Usually yes — the gap is the difference between our fee and the rebate NAVY Health pays for that service. The size of the gap depends on your level of extras. HICAPS shows you the rebate and the gap before you tap your card, so you know exactly what you’re paying before you pay it.

02 Do I need a GP referral?

No. For private health rebates you can self-refer to any of our services. Referrals only come into play if you’re on a Medicare GPCCMP plan, DVA, NDIS or WorkCover — see those dedicated pages.

03 How do I find out how much NAVY Health will rebate?

Two ways: ring NAVY Health and ask for the rebate amount on the specific item codes for podiatry, physio, exercise physiology, massage or pilates. Or just turn up and HICAPS will show it live at the desk before you pay.

04 What if I’ve used my annual extras limit?

HICAPS will return a $0 rebate and we’ll let you know. Your options are to wait until 1 January when most NAVY Health plans reset, look at a Medicare GPCCMP plan if you have a chronic condition, or pay the standard fee. Bring it up with us and we’ll talk it through.

05 Can my family use my card?

If your NAVY Health policy is a family or couples cover, anyone on the policy can use HICAPS for their own appointment. Each person needs to be present at their own visit — we can’t HICAPS retrospectively for someone who didn’t attend.

06 Are you a preferred provider for NAVY Health?

NAVY Health may have a preferred-provider program that varies their rebate amounts at different clinics. We’ll be upfront at the desk about what your rebate is here — HICAPS shows it live so you can compare if you want to. The standard of care doesn’t change either way.

NAVY Health extras · HICAPS on the spot with every major fund · DVA, NDIS, WorkCover and Medicare GPCCMP too.