nib First Choice network

The nib First Choice network focuses on the key health services our customers want and use. Visit the nib First Choice Directory to see if the nib First Choice network applies to the medical provider you'd like to see.

nib will communicate to you when your policy terms and conditions are affected by the nib First Choice network. There are some policy types that won’t be updated for nib First Choice. These are:

• Ultimate Health Max
• Major Medical (previously OnePath insurance)
• Basic EveryDay
• Mid EveryDay

Using an nib First Choice network provider gives you certainty that you’ll be covered for 100% of your eligible costs up to your benefit limit and in line with your policy.

Claiming is also made easier and faster with specialists, hospitals and some other providers able to submit pre-approvals and claims on your behalf.

Plus, by choosing an nib First Choice provider, it will help nib to better manage claim costs and help to make premiums more affordable.

nib has considered geographical access to health service providers when establishing the nib First Choice network. We want you to have peace of mind knowing that, wherever you live, nib will ensure you get access to the quality care you need.

An nib First Choice provider provides our customers with services and treatment within our First Choice price range. When you choose an nib First Choice provider your claims will be covered for 100% of your eligible costs, up to your benefit limit and in line with your policy.

But don’t worry, you can choose other nib recognised health service providers and nib will still pay the Efficient Market Price (EMP) for the health services they provide. However you will be responsible for paying the difference between the amount your provider charges and the EMP (the gap payment).

The nib First Choice price range is the amount that nib recognised health care providers can charge up to for health services or treatments, before they are no longer eligible to be a First Choice provider. If a recognised provider charges, on average, below this amount for a health service or treatment they will automatically be included within the network and we will cover 100% of their costs, in line with the policy terms and conditions. We will work with those nib recognised health care providers that charge over this amount, with a view to bringing them into the network.

An EMP is what nib will pay for health services from an nib recognised health service provider that is not in the nib First Choice network.

nib commissioned independent analysis of health service costs across New Zealand to determine what our customers are currently charged by providers for treatment. This was used to establish an EMP that nib will pay for different health services, based on the average cost of procedures.

If you choose an nib recognised health service provider that’s not in the nib First Choice network, nib will pay up to the EMP for the health service you need. We’ll let you know what this is when you apply for pre-approval, so you know what your gap payment will be, plus any other out-of-pocket expenses.

We recommend that you apply for pre-approval for any admission to hospital so you know what you’re covered for and what gap payment and any other out-of-pocket costs you could expect.

The nib First Choice network is effective from 1 September 2017.

For some customers covered as part of a group, this change will not come into effect until your policy renews. nib will contact you to let you know when it does apply to your policy.

At nib we believe health insurance should be easy to understand, simple to use and most of all good value for our customers.

That’s why we are developing the nib First Choice network.

We have found that some specialist providers charge significantly more than others for providing comparable health services. nib pays for these charges when we pay customer claims. This means there’s increasing claim costs that can result in higher health insurance premiums for you.

So from 1 September 2017 we’re introducing the nib First Choice network to improve the value customers get from their nib health cover by helping us to better manage claims costs and help to make premiums more affordable.

Long term, the nib First Choice network will help us to make health insurance more affordable for you and other customers.

Your policy document will give you a complete overview of what you are covered for. You can view your policy document online at nib.co.nz/mynib. Any changes to your policy terms and conditions will be communicated to you directly.

If you have any questions about your policy you can contact us for further information. Visit nib.co.nz/contactus or call 0800 123 642.

At the time of launch (1 September 2017), if you have pre-approval for a treatment by an nib recognised health service provider who is not in the nib First Choice network, we will honour the terms of that existing pre-approval and the EMP and any gap payment will not apply.

For any future pre-approvals, or for treatment you receive after this date from providers not in the nib First Choice network that have not been pre-approved, the EMP and any gap payment will apply.

Talk to your GP if you have been referred to a provider who is not in the nib First Choice network as they will be able to provide an alternative. You can also find an nib First Choice provider yourself with the nib First Choice Directory (nibfirstchoice.co.nz/directory). Or you can contact us for further information. Visit nib.co.nz/contactus or call 0800 123 642.

If your preferred nib recognised health service provider is not an nib First Choice provider, you can still be pre-approved for your treatment by this provider, but you will be responsible for paying the gap payment.

nib is working with nib recognised health service providers who are not in the nib First Choice network to encourage them to join the network.

You will be able to see who is an nib First Choice provider and who is not by using the nib First Choice Directory (nibfirstchoice.co.nz/directory). You need to check the nib First Choice Directory for both the hospital (if you’re going to hospital) and your specialist who is providing your treatment. You will be fully covered up to your benefit limit and in line with your policy for any providers in the nib First Choice network.

If one or more of your preferred nib recognised health service providers are not in the nib First Choice network, nib will still pay the EMP for the health services they provide. However you will be responsible for paying the gap payment.

If you have any questions, you can contact us for further information. Visit nib.co.nz/contactus or call 0800 123 642.

At time of launch the nib First Choice network will only apply to some surgical, specialist and other related services.

It’s easy to check what health services are included using the nib First Choice Directory (nibfirstchoice.co.nz/directory)

At time of launch the nib First Choice network will only apply to some surgical, specialist and other related claims.

It’s easy to check what claims are included in the nib First Choice Directory (nibfirstchoice.co.nz/directory).

If your provider is making a claim on your behalf you do not need to submit a claim too. We will keep you informed on the progress of your claim and supply you with the same claim information as usual.

Yes, the nib First Choice network will be regularly reviewed and we will advise customers of any changes that may affect them.

If you've been pre-approved for treatment by an nib First Choice provider that is then no longer within the nib First Choice network when you get your treatment, nib will honour the pre-approval to your advantage.

If you are having multiple procedures, we will take this into account when we provide you with your pre-approval and when we assess your claims.

nib understands that sometimes things change during your treatment and this may lead to more costs. If this happens, we will review the costs of your claim and pay all eligible expenses, as we do now – this won’t change with the nib First Choice network.