ACA Health summary
Membership with ACA Health is open to present and past employees of incorporated companies affiliated with the Seventh-day Adventist Church in Australia including Sanitarium Health and Wellbeing Company, Sydney Adventist Hospital, Signs Publishing Company, Adventist Development & Relief Agency, Adventist Schools, Adventist Retirement Villages and eligible family members. ACA Health is part of Members Own Health Funds, an alliance of nonprofit and mutual health funds that promotes the benefits of funds that reward members rather than investors or overseas owners.
Phone: 1300 368 390
Current or former Seventh-day Adventist Church employees (including SDA-affiliated companies such as Sanitarium).
For further details see their website.
ACA Health complaints rating: Low
When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints.
- The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.
A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.
Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).
Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.
- Above average
- Below average
- Well below average
We also display the percentage of medical services that ACA Health covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.
The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated.
The table below shows how many hospital agreements ACA Health has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.
Discount for direct debit: None
Discount for annual prepay: None
All ACA Health hospital and combined policies cover emergency ambulance in NSW and ACT.
In Victoria, South Australia, Western Australia and the Northern Territory, cover is included in extras policies, so you're covered if you select an extras or combined policy.
Yes, adult children are covered up to age 21 and up to age 25 if in full-time study, not living with a partner and earning less than $20,000 a year.
Can claim online or via an app.