Introducing Hometown Care
With GMHBA combined cover, you can choose up to four eligible services a year* at a participating GMHBA dentist, GP, optometrist or physio for $0 out-of-pocket costs.

Legit value. No out-of-pocket costs
You can choose up to four* dental check-ups, OCT eye scans, standard physiotherapy consults, or GP visits if you attend a participating GMHBA health practice and you’re an active GMHBA combined cover member. Plus, it’s not just for you, it’s for everyone on the policy, meaning every person within your family can get up to four eligible services each year.
Doctors visits add up fast. With Hometown Care, get up to four $0 out-of-pocket visits per year at participating GMHBA Medical Centres for everyone on your policy. View full T&Cs here >
Recovery takes time, but out-of-pocket costs shouldn't stop you. Your GMHBA Combined Cover includes up to four standard physio consults to keep you on track. View full T&Cs here >
Dental checkups eat into your annual limits fast. GMHBA’s Hometown Care gives you up to four checks, cleans and x-rays—for everyone on your policy. View full T&Cs here >
Eye tests are bulk-billed, but specialised scans like OCT often cost extra. With GMHBA combined cover you can access these scans at $0 out-of-pocket cost. View full T&Cs here >

Not a combined cover member? Get a quote or join today.
Simply purchase any combined hospital and extras cover and you will instantly gain access to the Hometown Care advantage, even if you haven't served any waiting periods.
How does it work?
If you’re a GMHBA combined cover member, you and everyone on the policy are eligible to receive Hometown Care… that’s it.
You can receive any combination of up to four eligible services at participating GMHBA health practices.
These four services per person, per calendar year are in addition to any of your extras annual or sub-limits.
How to use or redeem Hometown Care
GMHBA has been looking after Geelong and the wider community for decades and now GMHBA combined cover members can access $0 out-of-pocket costs on eligible services at participating locations.
Redeeming is simple—just confirm your active membership number, your full name as it appears on the card and year of birth at our health services reception prior to your appointment and you're good to go.
If you’re unsure of your eligibility, our team at participating locations can check prior to your appointment.
FAQs
Eligible persons include the primary member, their spouse, or any dependants on the policy.
The information required to check the eligibility for you or a dependant is:
- GMHBA membership number
- Full name
- Year of birth
Yes, you are! The four eligible services are per calendar year and begin as soon as you become a combined cover member, there’s no waiting periods to redeem. Redemption entitlements reset on 1 January and expire 31 December.
Dental Care: Check, Clean and X-Ray
Eye Care: Optical Coherence Tomography (OCT)* eye scan
Medical: Short / Standard Consultation
Physiotherapy: Standard Consultation
Waiting periods do not apply to Hometown Care redemptions.
Yes, you can still redeem. The eligible services are separate from your annual or sub-limits and are not linked to your hospital or extras cover.
Any additional treatments and their fees will be discussed at your appointment.
Benefits for additional services are subject to waiting periods, sub-limits, and annual limits.
Terms and conditions
*Maximum of 4 no out-of-pocket services per person, per year, for eligible services with participating clinicians: dental check-up, x-ray and clean; standard physio consult; standard GP consult; and OCT scan where clinically necessary. Any additional treatments and their fees will be discussed at your appointment. Benefits for extra services are subject to waiting periods, sub-limits, and annual limits. Redeemed services are outside of annual and sub-limit totals. Active policy required. Services subject to availability; alternative locations may be offered.
$0 out of pocket medical terms and conditions
^Member can choose if general practitioner consultation is part of the 4 services that are provided at no out-of-pocket cost, per person, per year, where clinically necessary. Applies to item number 3 and 23 (short and standard consultations) as well as new patient first consultation (item 36). This service will be bulk billed to Medicare. Any additional treatments and their fees will be discussed at your appointment. Exclusively at participating GMHBA owned medical locations (South Barwon Medical Centre, Lara Medical Centre and GMHBA Hubs). Active policy required. Services subject to availability; alternative locations may be offered.
$0 out of pocket physio terms and conditions
~Member can choose a standard physio consult (items 500/505) as part of your 4 no out-of-pocket services, per person, per year, where clinically necessary. Any additional treatments and their fees will be discussed at your appointment. Not available with Shared Care Plans (bulk billed item 10960). Redeemed consults are outside of annual and sub-limit totals. Active policy required. Services subject to availability; alternative locations may be offered.
$0 out of pocket dental terms and conditions
**Member can choose if scale, clean & x-ray is part of the 4 services that are provided at no out-of-pocket cost, per person, per year, where clinically necessary. Any scale, clean & x-ray should occur within the same visit to be counted as one service. Includes item numbers, comprehensive, periodic and limited oral examination (011)(012)(013), consultation (014), removal of plaque and/or stain (111), removal of calculus – first & subsequent visit (114)(115), topical application of remineralising and/or cariostatic agent and one fluoride treatment (121), and x-ray (022). Any additional treatments and their fees will be discussed at your appointment. Redeemed consults are outside of annual and sub-limit totals. Active policy required. Services subject to availability; alternative locations may be offered.
$0 out of pocket OCT eye scan terms and conditions
#Member can choose if the OCT scan is part of the 4 services that are provided at no out-of-pocket cost, per person, per year, where clinically necessary. To be used in conjunction with the Medicare bulk billed eye test. Any additional treatments and their fees will be discussed at your appointment. Active policy required. Services subject to availability; alternative locations may be offered.