Understanding your options with Medibank

Using Medibank private health insurance for addiction treatment

Seeking treatment for addiction is a big step, and understanding how to fund your care can make the process easier. If you have a Medibank private health insurance policy, you may be able to use it to cover some or all of your treatment at The Hader Clinic. Here’s what you need to know.

Take a self-assessment or speak to someone now, with no pressure to commit.

A diverse group of younger and older men and women in a group therapy session. If you have private health insurance with Medibank, it may make residential rehab more accessible.

Detox & withdrawal covered fully or partly

Lower out-of-pocket costs for eligible plans

Faster admission with private health cover

Expert support navigating your coverage

A diverse group of younger and older men and women in a group therapy session in the garden on a sunny day. If you have private health insurance with Bupa, it may make residential rehab more accessible.
Making sense of your funding options

How Medibank private health insurance can help

Addiction recovery is more than just detox — it’s about rebuilding your life with the right support at every stage. At The Hader Clinic, we take a holistic approach to treatment, addressing not just substance use but also mental health, emotional well-being, and long-term recovery strategies.

If you’re a Medibank member with an eligible hospital policy, your cover may help fund a range of services, including medical detox at our Geelong hospital and our recommended 90-day inpatient rehab program at our Geelong facility. This means you can focus on healing while minimising financial stress. Our team is here to help you understand what’s covered and guide you through the next steps.

We’ll call it when it suits you, with no pressure to commit

What Medibank covers for rehab

Benefits of using Medibank for rehab at The Hader Clinic

Medibank can make addiction treatment more affordable and accessible. Here’s what you can expect when using Medibank to support your stay at The Hader Clinic.

Unsure where to start? Take a self-assessment or book a time to chat – both are 100% confidential.

Why use Medibank for addiction treatment?

Using Medibank health insurance can significantly reduce the financial burden of rehab, allowing you or your loved one to focus on recovery. Benefits include:

  • Cover for medically supervised detox: Medibank may cover part or all of our 14 or 28-day Detox & Withdrawal Program.
  • Reduced upfront costs: Some policies mean patients pay as little as $750 out of pocket.
  • Faster admission times: Avoid public hospital waitlists and access care sooner.
  • Comprehensive, evidence-based care: Our programs include medical support, counselling, and therapy.
  • Support with claims and approvals: We help guide you through the process of using your cover.
  • Personalised treatment: Every patient receives an individualised care plan tailored to their needs.

Who is eligible to use Medibank for rehab?

Coverage varies depending on your policy, but you may be eligible if:

  • You have an eligible hospital cover policy that includes psychiatric services.
  • You have served your waiting periods (typically 2 months for new policies, longer for pre-existing conditions).
  • You have checked your policy’s excess and co-payments to understand any out-of-pocket costs.
We work with leading health insurers

Private health insurance we accept

Your next steps

How to use your Medibank cover at The Hader Clinic

step
1

Confirm your coverage

Check your Medibank policy or call their support team to confirm your eligibility for addiction treatment coverage. You’ll need to check if your plan includes hospital psychiatric services and whether any waiting periods or excess applies.

step
2

Contact The Hader Clinic

Our team can help you navigate the funding process, explain what’s covered, and guide you through the next steps. We can also assist with any pre-approvals or claims required.

step
3

Begin your recovery journey

Once your funding is confirmed, we’ll help you arrange admission into the program that best suits your needs. Our team will support you through every stage of the process.

Take a self-assessment or speak to someone now, with no pressure to commit.

Understanding the costs

What to expect with Medibank and out-of-pocket costs

Medibank may contribute toward the cost of detox or short-term rehab. The cost of your rehab depends on your level of cover and excess. We’ll help you check your entitlements, estimate any remaining costs and explore alternative rehab funding options.

A small group therapy session for substance use recovery. The residents are sitting in a circle, and we can only see their hands, not their faces, to protect the privacy of this group.

Take the next step

If you’re ready to find out how Medibank can help fund your treatment at The Hader Clinic, our team is here to assist. Click below to get an assessment, book a chat, or contact us directly.

Take a free online assessment

Take a quick, private quiz to see if rehab could help and explore safe support options.

Book a free chat

 Schedule a confidential call with a specialist at a time that suits you.

Call us now

 Speak to someone immediately for guidance and support.

Real stories, real change

Client stories and testimonials

The right support can transform lives. Many of our past patients have used private health insurance to access care, and their journeys show the impact of getting the right treatment.

Our commitment to quality care

Accreditation and standards

We are committed to maintaining the highest standards of care. Our clinic meets strict accreditation requirements, ensuring that every patient receives professional, evidence-based treatment in a safe and supportive environment.

Recovery in a safe and welcoming environment

Our facilities and locations

Recovery looks different for everyone, which is why we offer two distinct treatment settings. In Geelong, our private hospital provides short-term detox with full medical support. In Essendon, our residential rehab offers a longer-term program with daily routines, therapy, and holistic care. Together, they give you the flexibility to get the right support at the right time.

Inpatient Rehabilitation Program and Transitional Housing program.

Essendon
150-152 Cooper St, Essendon VIC 3040

Hospital Rehabilitation Centre for 28-Day Withdrawal & Detox Program.

Geelong
6-8 Townsend Road,St Albans Park VIC 3219
Get expert guidance

Speak to our team for an assessment

If you have Medibank private health insurance and want to find out how it can help fund your treatment, we’re here to guide you. Contact us today to discuss your options.

Speak to someone who understands

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Frequently asked questions

Where can I use my Medibank health insurance for rehab?

Medibank is accepted at our Geelong hospital, where we run our inpatient detox and short-term rehabilitation programs. Private health insurance is not accepted at our Essendon location, so if you’re considering treatment there, we can help you explore other funding options like superannuation access or payment plans.

Does Medibank cover rehab for drug and alcohol addiction?

Medibank provides coverage for hospital psychiatric services, which may include inpatient drug and alcohol rehab. However, coverage depends on your specific policy. To check your eligibility:

  • Review your policy details to see if hospital psychiatric services are included.
  • Ensure you’ve served any waiting periods (typically 2 months, longer for pre-existing conditions).
  • Check for any excess payments or limits that might apply.

If you need help, our team can walk you through the process.

How do I check if my Medibank policy covers rehab?

To confirm whether your policy includes cover for addiction treatment:

  • Call Medibank Member Services and ask if your hospital policy includes psychiatric services
  • Ask about waiting periods, excess, and any gap fees
  • Speak with our team — we can help you interpret your policy and contact Medibank on your behalf if needed

You don’t have to navigate this alone — we’re here to help.