Out-of-pocket expenses are any expense for a hospital, medical or extras service for which you will not be reimbursed by either us or Medicare.
This is an amount you have to pay. To help understand these amounts, always contact us BEFORE your treatment.
For hospital cover, your out-of-pocket costs depend on your doctor’s fees.
To help understand these:
- Read our Going to Hospital guide
- Print off our 7 Questions for your specialists before going to hospital and hand this to your doctor or specialist to get the answers you need to minimise your out-of-pocket expenses.
- Read about your Informed Financial Consent. This is your right to see agree to a breakdown of all the costs of your treatment BEFORE you go to hospital.
- Ask if they charge above the Medicare Benefits Schedule (MBS) fee for the service or treatment.
If they charge above the MBS fee ask them if they will participate in GapCover.
If they do, the most you’ll pay is $500.
If they don’t participate in GapCover then you’ll have to pay the difference between the
MBS fee and the doctor’s bill for any services whilst you’re in hospital.
Always contact us BEFORE your treatment to discuss your out-of-pocket expenses.