Health care

Learn about the excellent coverage you receive from Adobe’s medical and dental plans. Health care is a big part of your total rewards, and we want to help you get the most out of it.

Enjoy access to the following plans and learn about associated costs.

The information on this page is applicable to both domestic and oversea employees but the limits of the two plans are different. Please ensure you select the right Cover Guide when researching more information.

Medical

With your health and wellbeing in mind, Adobe has partnered with GU Health to provide you and your family with access to top hospital and ancillary benefits.

Top hospital benefits include:

  • Accommodation, intensive care and theatre fees
  • Accidental injury
  • Cancer treatment
  • Organ transplants
  • Heart-related services

How much does GU cover?

GU Health pays 100% of your accommodation costs, after your A$250 excess.

The excess is capped at A$250 per policy year for singles, and 2 x A$250 for families. You won’t need to pay an excess if your covered child goes to the hospital. Your policy year is from the date you join GU Health, not the calendar year.

Ancillary benefits include:

  • Dental, optical
  • Physiotherapy and specialist therapies (e.g., speech pathology, occupational therapy)
  • Chiropractic and osteopathy
  • Podiatry
  • Natural therapies (including massage)

How much does GU cover?

GU Health covers 80% to 100%, depending on the benefit. Sub-limits may apply. Please refer to your Cover Guide for full details of your plan.

How to submit a claim

You can make extras claims at the provider by swiping your membership card or by logging in online. Log in to Online Member Services and select Flex-eClaim. You can also file a claim through the GU Health mobile app.

 

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Dental

General dental and major dental is provided as part of the ancillary benefits.

The below table is a summary of eligible dental treatments.

Service Plan pays
Checkups, basic fillings, X-rays, scale & clean 80%, up to A$1,000 per anniversary*
Crowns, bridges, dentures, root canal, periodontics, inlays/onlays, implants & orthodontics 80%, up to A$1,500 per anniversary

* Your annual ancillary limits will begin the day you join GU, and will be refreshed on your GU anniversary date every year.

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Vision

Optical is provided as part of the ancillary benefits.

The below table is a summary of eligible optical treatments.

Service Plan pays
Prescription glasses & contact lenses, including repairs 80%, up to A$300 per anniversary*
Exclusion: Tinting, coating & hardening of lenses are not covered.

* Your annual ancillary limits will begin the day you join GU, and will be refreshed on your GU anniversary date every year.

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Premium cost

Adobe subsidises health insurance premiums at Base Tier for all domestic employees. If your income falls into rebate Tiers 1, 2 or 3 (see Income Thresholds and Rates table below) you will need to contribute a portion of your income toward your health insurance premium. This can be done in two ways:

  • Via monthly direct debit from a bank account or credit card to GU Health; or
  • By electing to select the Base tier and reconcile your rebate amount when you complete your tax return

Income thresholds* (only applicable for Australian residents on the domestic GU cover)

  Base Tier Tier 1 Tier 2 Tier 3
Singles <$90,000 $90,001-$105,000 $105,001-$140,000 >$140,000
Couples/Families <$180,000 $180,001-$210,000 $210,001-$280,000 >$280,000

*The income thresholds are indexed and will remain the same to 30 June 2023.

Employee monthly contribution rates** (only applicable for Australian residents on the domestic GU cover)

  Base Tier Tier 1 Tier 2 Tier 3
Single cover $0 $25.75 $51.55 $77.30
Family cover $0 $51.50 $103.00 $154.55

**The rates are applicable from 1 October 2021 to 30 September 2022.

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Health cover information

Log onto guhealth.com.au/adobe:

  • To view the Resident Cover Guide, type in the password adobe101 and scroll down to View.
  • To view the Overseas Cover Guide, type in the password adobe102 and scroll down to View.

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Australia Medical FAQs

Who can I cover under GU / What’s the definition of dependent?
Spouse / Partner / defacto and dependent children studying full time up to age 25 can be covered on the GU Plan.

How do I add family member to the health insurance plan?
Once you have joined and registered for online access, you are able to add or remove family member online.

When do I get a new membership card?
You will receive your membership pack within 10 business days of your online enrolment.

Will I have to serve any new waiting periods?
GU Health will honor all waiting periods that you have served with your previous health fund. If you’re part way through serving waiting periods with your previous health fund, you will only need to serve the balance of the waiting periods with GU Health.

Is there an excess?
Your GU Health hospital cover has the same $250 excess, and children do not need to pay any excess on hospitalization. The excess is paid once per year for singles and twice per year for family memberships. There is an excess for same day hospitalizations. For oversea employees who are on 457 working visas, given your coverage is different from the domestic employees, please refer to your Overseas Coverage Guide.

What is the anniversary date of the GU health fund?
Your annual extras limits and hospital excess anniversary will be based on the date you joined GU Health, not the calendar year.

How do I contact GU if I have any questions?
Please contact GU at 1800 633 819 or corporate@guhealth.com.au.

What happens in April when Funds put their premiums up and when the rebate percentage is adjusted by the Australian Government?
Your Adobe premiums are renewed and set on the 1 October every year. However, the Australian Government adjusts the rebate percentage on 1 April each year. If your combined family income falls under Tier 1, 2 or 3, your portion towards your health insurance may be impacted. Any impacted employee will be contacted by GU Health notifying them of any premium changes due to the change in rebate. 

What about Lifetime Health Cover (LHC) loading?
Adobe currently pays LHC loading for employees who may be impacted

Note: This FAQ is intended to provide information about Adobe’s new medical policies. The content of this FAQ is believed to be accurate, but in the event of any conflict, the applicable policies, plans or law will govern.

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