Mon–Thu 8am–7pm · Fri 8am–6pm · Sat 8am–2pm · Sun & Public Holidays Closed

Payments and Funding Options in Lower Plenty

HICAPS, private health extras, Medicare EPC referrals, DVA, TAC, WorkSafe, NDIS and bulk-billed pathology, all at one clinic. Tap an option below to see who qualifies, what to bring and how to book.

17 Main Road, Lower Plenty · Mon–Thu 8am–7pm · Fri 8am–6pm · Sat 8am–2pm · Free parking · Fully accessible

At a glance

  • No referral needed for standard private appointments with most practitioners. Walk-ins are welcome.
  • HICAPS on the spot: claim your private health extras at reception and pay only the gap.
  • Referral needed for Medicare EPC rebates, DVA-funded care and bulk-billed pathology.
  • Claim number needed for TAC and WorkSafe. We can bill the TAC or your WorkSafe agent directly.
  • NDIS: occupational therapy for self-managed and plan-managed participants. Ask us about NDIA-managed plans.
Payments and funding at Bodyline Health Lower Plenty – paying by card at reception

Choose your payment or funding option

How payments and funding work at Bodyline Health

Bodyline Health is a multidisciplinary allied health clinic in Lower Plenty, and we accept a wide range of payments and funding. Most people see us as private patients and claim through their health fund with HICAPS. Many others use government or insurance funding for their care, including Medicare, the Department of Veterans' Affairs, the TAC, WorkSafe Victoria and the NDIS. Each scheme has its own rules about referrals, paperwork and who pays. This page explains each of our payments and funding options in plain language, so you know exactly what to bring and how to book.

If you are not sure which option applies to you, call reception on (03) 9017 4784. We will check your eligibility and book you with the right practitioner. Patients come to us from Lower Plenty, Montmorency, Eltham, Greensborough, Rosanna, Viewbank, Yallambie, Heidelberg, Macleod, Templestowe and across the Diamond Valley.

Payments and funding · HICAPS on the spot

Claim your health fund rebate at reception

HICAPS health fund claim on the spot at Bodyline Health, Lower Plenty

We have HICAPS at reception, so if you have private health extras cover you can swipe your health fund card after your appointment and your rebate is processed on the spot. You only pay the gap. There's no paperwork and no waiting for your fund to reimburse you. HICAPS works with all major Australian health funds for services on your policy.

How to use it

  1. Bring your card. Bring your physical health fund card (or a digital card your fund supports) to your appointment.
  2. Swipe at reception. After your appointment, we process your claim through HICAPS.
  3. Pay the gap. Your fund's rebate comes off straight away, and you pay the difference.

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Payments and funding · Private health extras

Which services your extras cover can help with

Private health extras cover for hands-on treatment in Lower Plenty

Most extras policies include some cover for services such as chiropractic, physiotherapy, podiatry, remedial massage, myotherapy, acupuncture, naturopathy, occupational therapy and speech pathology. What you get back depends on your fund, your level of cover and your annual limits. Some policies also have waiting periods for new members.

Before you book

  • Check with your fund which services are included and how much you have left this year.
  • Ask reception for the item fee for your practitioner, so you can estimate your gap.
  • A single appointment can be claimed against private health or Medicare, not both.

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Payments and funding · Medicare EPC referrals and plans

Medicare rebates for up to five allied health visits a year

GP discussing a Medicare EPC referral and chronic condition management plan
  1. See your GP. Ask your GP whether you are eligible for a GP Chronic Condition Management Plan and a referral to allied health.
  2. Get your referral. Your GP writes a referral to the type of practitioner you need, such as a podiatrist or physiotherapist.
  3. Book with us. Call (03) 9017 4784 or book online, and let reception know you have a Medicare EPC referral.
  4. Bring it on the day. Bring your referral and Medicare card, and we can process your rebate at reception.

What is a Medicare EPC referral?

"EPC" stands for Enhanced Primary Care, the name many patients and GPs still use for Medicare's chronic disease allied health program. If you live with a chronic or complex condition, your GP can prepare a care plan and refer you to allied health practitioners. Medicare then pays a rebate towards a set number of those visits each calendar year. At Bodyline Health, we see patients with Medicare EPC referrals in Lower Plenty every week, across several disciplines under the one roof.

From 1 July 2025, the older GP Management Plan and Team Care Arrangement system was replaced by a single GP Chronic Condition Management Plan (GPCCMP). The core benefit for patients is the same: with a current plan and a written referral from your GP, you can claim Medicare rebates for up to five eligible allied health services per calendar year. You may see the terms EPC, CDM (Chronic Disease Management) and care plan used interchangeably. They all refer to this pathway.

Who is eligible?

Eligibility is decided by your GP, not by the allied health clinic. In general, the program is for people with a chronic medical condition that has been present, or is likely to be present, for six months or longer. Common examples we see in the clinic include:

  • Osteoarthritis and chronic joint pain in the hips, knees, spine or hands
  • Chronic low back pain and neck pain
  • Diabetes, including foot checks and foot care with our podiatrists
  • Ongoing balance, mobility or falls-risk concerns
  • Neurological or developmental conditions affecting communication or daily function

If you are unsure whether your condition qualifies, book a standard GP appointment and ask directly. Your GP can explain the options and prepare your plan and referral in the one visit.

Which Bodyline Health services accept Medicare EPC referrals?

Medicare's chronic condition program covers a defined list of allied health professions. At our Lower Plenty clinic, the eligible services include:

Your GP's referral names the type of service, so let them know which practitioner you would like to see. Five visits per year can be split across more than one discipline if your GP refers you that way, for example three podiatry visits and two physiotherapy visits.

How much will I pay?

Medicare pays a fixed rebate for each eligible visit. Most private practices, including ours, charge a fee above the rebate, so there is usually a gap payment. Our reception team can tell you the fee for your practitioner before you book, and we process the Medicare claim for you at the end of your appointment so the rebate goes straight back to your nominated bank account. Medicare EPC visits cannot be claimed against private health extras for the same appointment.

What to bring to your first appointment

  • Your written referral from your GP (or ask your GP to send it to us before your visit)
  • Your Medicare card
  • Any relevant scans, reports or a list of current medications
  • Comfortable clothing so your practitioner can assess movement

Your practitioner will send a short report back to your GP after your first visit and at the end of your course of care, so your whole care team stays informed.

Official information: Services Australia – GP chronic condition management plans

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Payments and funding · Veterans' Affairs (DVA)

Allied health care for Gold and White Card holders

Red remembrance poppies – DVA allied health for veterans in Lower Plenty
  1. See your GP. Your GP assesses your needs and writes a DVA referral for the type of allied health care you need.
  2. Call reception. Phone (03) 9017 4784 and tell us you are a DVA client so we can match you with a practitioner.
  3. Bring your card. Bring your DVA Veteran Card (Gold or White) and your referral to your first visit.
  4. Start your cycle. Your treatment cycle covers up to 12 sessions or 12 months, with reports sent back to your GP.

How DVA allied health care works

The Department of Veterans' Affairs funds a wide range of allied health services for eligible veterans, war widows and widowers, and some dependants. If you hold a DVA Veteran Card, you can use it for DVA allied health in Lower Plenty at Bodyline Health. DVA pays approved providers directly for clinically necessary treatment, so there is no need to pay upfront and claim it back yourself.

Gold Card and White Card: what is the difference?

A Gold Card covers all clinically necessary treatment, regardless of whether the condition is related to your service. A White Card covers treatment of specific conditions DVA has accepted as service-related, plus some conditions covered without the need for a claim, such as mental health conditions and cancer. If you are unsure what your card covers, check with DVA before your appointment.

The allied health treatment cycle

Most DVA allied health care is provided through a treatment cycle. Your GP (or treating specialist) writes a referral, and that referral covers up to 12 sessions or one year, whichever ends first. At the end of each cycle, your practitioner sends a report to your GP, who then decides whether to refer you for another cycle. You can have more than one treatment cycle running at the same time if you need care from different disciplines, for example physiotherapy for a knee and podiatry for foot care.

Totally and Permanently Incapacitated (TPI) Gold Card holders are exempt from treatment cycle limits for physiotherapy and exercise physiology. DVA's rules can change, so we always confirm your current eligibility when you book.

Services veterans commonly use at Bodyline Health

Not every practitioner at our clinic is a registered DVA provider, so please tell reception you are a DVA client when you call. We will book you with the right person for your referral.

What to bring

  • Your DVA Veteran Card (Gold or White)
  • Your GP or specialist referral
  • Any recent scans, reports or discharge letters
  • A list of your current medications

Official information: DVA – allied health treatment cycle

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Payments and funding · TAC claims

Physio and chiro after a transport accident

Damaged car after a transport accident – TAC physio and chiro in Lower Plenty
  1. Lodge your claim. Lodge a claim with the TAC online or on 1300 654 329 and note your claim number.
  2. Book with us. Call (03) 9017 4784 or book online. Tell us it is a TAC claim.
  3. Bring your claim number. Bring your claim number, the date of the accident and any hospital or GP reports.
  4. We bill the TAC. We invoice the TAC directly, and after 90 days we request approval for further care if you need it.

What does the TAC cover in the first 90 days?

The TAC lists physiotherapy, chiropractic and osteopathy among the treatments you can access in the first 90 days after your accident without asking for approval first, as long as the treatment is for your accident injuries. You can choose your own provider, and you don't need a GP referral to see a physiotherapist or chiropractor. After 90 days, further treatment needs TAC approval. Your practitioner can help you with that request.

How billing works

Bring your TAC claim number to your first appointment and we can invoice the TAC directly. The TAC pays providers at its set TAC rate. If a practitioner's fee is higher than the TAC rate, a gap payment may apply, and the TAC is generally unable to reimburse gaps. Reception can tell you in advance whether a gap applies for your appointment.

Common injuries we treat after a car accident

  • Whiplash and neck pain, including headaches that start in the neck
  • Low back pain and mid-back stiffness
  • Shoulder injuries from seatbelt or impact forces
  • Knee, hip and ankle sprains
  • Reduced movement and strength after a hospital stay

Our chiropractor, Dr Phillip Mifsud, is also an exercise physiologist, and our physiotherapy team focuses on getting you back to work, driving and daily activities. When it is clinically indicated, we can take onsite digital X-rays, which saves you a separate trip.

What to bring

  • Your TAC claim number
  • The date of your accident
  • Any hospital discharge papers, GP letters or scan reports
  • A list of your current medications

Official information: TAC – treatments and services

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Payments and funding · WorkSafe / WorkCover

Treatment for accepted workplace injury claims

Tradesperson at work – WorkSafe physio and chiro for workplace injuries in Lower Plenty
  1. Report and claim. Report the injury to your employer and lodge a WorkSafe claim. Note your claim number.
  2. Book with us. Call (03) 9017 4784 or book online. Tell us it is a WorkSafe claim.
  3. Bring your details. Bring your claim number, your agent's name and contact details, and your employer's details.
  4. Get back to work. We treat your injury, keep your agent and GP informed, and focus on a safe return to work.

Do I need a referral?

No. WorkSafe Victoria lists physiotherapy and chiropractic among the services injured workers can access without a referral. You will usually still see a GP for your certificate of capacity, and we will keep your GP informed about your progress and work capacity.

How payment works

Once your claim is accepted, WorkSafe pays the reasonable cost of treatment for your work-related injury. WorkSafe prefers healthcare providers to invoice your agent directly, so bring your claim number and your agent's details to your first appointment. WorkSafe pays set rates for each service, and a gap may apply if the practitioner's fee is higher, so check with reception first. If you pay for treatment yourself while waiting for your claim, keep your receipts. WorkSafe asks for receipts within six months so your agent can reimburse you.

Workplace injuries we commonly treat

  • Lower back strains from lifting, bending or twisting
  • Neck and shoulder pain from desk work, driving or overhead work
  • Wrist, elbow and hand overuse injuries
  • Knee and ankle sprains from slips, trips and falls
  • Recovery after workplace surgery or a hospital stay

Our physiotherapy and chiropractic practitioners focus on graded, practical rehabilitation. Dr Phillip Mifsud is both a chiropractor and exercise physiologist, which helps when building strength and work tolerance. Where clinically indicated, onsite digital X-ray is available. Myotherapy is also available at the clinic if it forms part of your plan.

A focus on return to work

Getting back to work, even on modified duties, is an important part of recovery. We set clear goals with you, work with your GP on your certificate of capacity, and provide progress reports to your agent when required. Because several disciplines work from the same Lower Plenty clinic, your care stays coordinated in one place.

What to bring

  • Your WorkSafe claim number
  • Your WorkSafe agent's name and contact details
  • Your employer's name and contact details
  • Your latest certificate of capacity and any scan reports

We see injured workers from Lower Plenty, Montmorency, Eltham, Greensborough, Rosanna, Heidelberg, Viewbank, Templestowe and across the Diamond Valley. For official information, see WorkSafe Victoria's guide to treatment expenses.

Official information: WorkSafe Victoria – treatment expenses

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Payments and funding · NDIS (occupational therapy)

Using your NDIS plan for OT for children and adults

Occupational therapist celebrating with a child – NDIS occupational therapy in Lower Plenty
  1. Check your plan. Check that your NDIS plan has funding for therapy supports, usually under Capacity Building – Improved Daily Living.
  2. Call reception. Phone (03) 9017 4784 to discuss your goals and how your plan is managed.
  3. Initial assessment. Our OT gets to know you or your child, assesses needs and sets goals linked to your NDIS plan.
  4. Therapy and reports. Regular sessions, practical home strategies and progress reports to support your plan review.

Who can NDIS occupational therapy help?

  • Children with developmental delay, autism, ADHD or sensory processing differences
  • Children who need help with fine motor skills, handwriting, self-care or school readiness
  • Adults building independence with daily living tasks
  • People who need equipment recommendations or home strategies to stay safe and independent
  • Participants who need functional assessments and reports for NDIS plan reviews

How your plan management affects who you can see

How your NDIS funding is managed determines which providers you can use:

  • Self-managed: you can choose any provider, registered or not, and pay invoices from your plan yourself.
  • Plan-managed: you can choose any provider, and your plan manager pays our invoices.
  • NDIA-managed (agency-managed): you must use an NDIS-registered provider.

Please tell reception how your plan is managed when you call, so we can confirm we are the right fit and set up invoicing correctly.

What happens in an NDIS OT session?

Your first appointment is an assessment. The OT learns about your or your child's strengths, challenges, routines and goals, and links therapy goals to the goals in your NDIS plan. Sessions after that are hands-on and practical, often play-based for children, with clear strategies to practise at home, at school or at work. We provide written reports when you need them for plan reviews, so the NDIS can see progress and ongoing needs.

What to bring

  • Your NDIS participant number and plan start and end dates
  • Your plan manager's details (if plan-managed)
  • A copy of your plan goals, or the relevant pages
  • Any previous therapy reports, school reports or assessments

Official information: NDIS – managing your plan

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Payments and funding · Bulk-billed pathology on site

Austin Pathology collection centre at our clinic

Blood collection tubes – bulk-billed Austin Pathology on site in Lower Plenty

An Austin Pathology collection centre operates inside our clinic at 17 Main Road, Lower Plenty. Tests that are rebatable under Medicare are bulk-billed, so there is no out-of-pocket cost for those tests. Blood tests and other collections can be done in the same trip as your allied health appointment.

How to use it

  1. Get a request form. Your doctor gives you a pathology request form (paper or electronic).
  2. Check any preparation. Some tests need fasting. Your doctor or Austin Pathology will let you know.
  3. Come in. Bring your request form and Medicare card during collection hours.

Collection hours and contact

Monday to Friday 8am–4:30pm and Saturday 8am–12pm. Phone Austin Pathology at our clinic on (03) 9432 9852.

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Payments and funding · No referral needed

Book directly with most of our practitioners

Practitioner assessing a knee – no referral needed at Bodyline Health, Lower Plenty

Services you can book without a referral

When you do need a referral

A referral is only needed when a third party is paying for, or subsidising, your care:

TAC and WorkSafe claims don't need a GP referral for physiotherapy or chiropractic. See our TAC and WorkSafe pages for details.

What happens at your first visit?

Your practitioner starts with a thorough history and a physical assessment. If they believe you need a medical review, imaging or another type of care, they will tell you and help arrange it. When clinically indicated, onsite digital X-ray is available. You will leave with a clear explanation of what is going on and a plan for your next steps.

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Payments and funding FAQs

What payments and funding options does Bodyline Health accept?

We accept private payment with HICAPS health fund claiming, Medicare EPC referrals (GP Chronic Condition Management Plans), DVA, TAC and WorkSafe claims, and NDIS funding for occupational therapy. Medicare-rebatable pathology tests are bulk-billed at our on-site Austin Pathology collection centre.

How many Medicare EPC visits do I get?

Medicare provides rebates for up to five eligible allied health visits per calendar year under a GP Chronic Condition Management Plan. Your GP decides how those visits are split between practitioners.

Is there a gap fee?

Usually, yes. Medicare pays a set rebate and most practices charge above that amount. Call reception on (03) 9017 4784 for the current fee for your practitioner.

Do I need a referral to use my DVA card for allied health?

Yes. DVA-funded allied health care requires a referral from your GP or a treating specialist. The referral starts a treatment cycle of up to 12 sessions or one year.

Will I have to pay anything?

DVA pays approved providers directly for clinically necessary treatment covered by your card, so in most cases there is no out-of-pocket cost. Reception can confirm this when you book.

Do I need a referral for TAC physio in Lower Plenty?

No. You don't need a GP referral to see a physiotherapist or chiropractor under the TAC in the first 90 days after your accident, as long as the treatment is for your accident injuries.

Will I have to pay a gap?

The TAC pays providers at a set TAC rate. If the practitioner's fee is higher, a gap may apply. Ask reception on (03) 9017 4784 before your appointment.

Do I need a referral for WorkSafe physio in Lower Plenty?

No. WorkSafe Victoria lists physiotherapy and chiropractic as services you can access without a referral.

What if my claim hasn't been accepted yet?

You can still book. If you pay upfront, keep your receipts and submit them to your agent within six months for reimbursement once your claim is accepted.

Can I use my NDIS plan for occupational therapy in Lower Plenty?

Yes. If your plan includes therapy supports, usually under Capacity Building – Improved Daily Living, you can use it for occupational therapy at Bodyline Health, 17 Main Road, Lower Plenty.

Does it matter how my plan is managed?

Yes. Self-managed and plan-managed participants can choose any provider. NDIA-managed participants must use an NDIS-registered provider. Tell reception how your plan is managed when you call.

Can I walk in without an appointment?

Yes. Walk-ins are welcome during opening hours. Booking ahead guarantees your preferred time with your chosen practitioner.

Can I claim my private health extras without a referral?

Yes. Private health extras don't require a referral. You can claim on the spot with HICAPS at reception.

Not sure which option applies to you?

Call reception and we will check your eligibility and match you with the right practitioner.