HealthFlex
×
  • Home
    • Committee Pages
  • About Us
    • About U3A
    • About Network Queensland
    • Network Committee Members
    • U3A in Australia and Worldwide
    • Play and Learn with Us
    • Social Photos
    • Local U3A Beginnings
  • Conference 2023
    • About the Conference
    • Register for Conference 2023
    • Conference Programme
    • Conference Guest Speakers
    • Explore Rockhampton
    • Conference Terms & Conditions
    • Latest Conference News
    • Art Competition 2023
    • U3A ‘Rocky’ Newsletters
      • January 2023 Newsletter
      • February 2023 Newsletter
    • Conference Sponsors
    • Visit Capricorn
  • News
    • Latest Network News
    • Network Newsletters
    • Network Video download
    • U3A Associations News
    • U3A Associations Newsletters
    • Submit a Story for Publication
    • Social Photos
    • Art Competition 2023
    • Art Competition 2022
    • President’s Communique
  • Members
    • U3A Members Statewide
    • Network Video download
    • Post AGM Report Form
    • U3A Committee Appointments
  • Policies/Procedures
    • U3A Network Constitution
    • Strategic Directions
    • Network Brand Guidelines
    • Communications Plan 2021-22
  • Resources
    • Constitution Template
    • Starting Your U3A
    • Premises & Facilities
    • Governance Manual
    • Associations Smart Business Guide
    • Expense Claim Form
    • Policy Bank
    • Using Zoom Videoconferencing
    • Community Support Links
    • UN Decade of Healthy Ageing
    • Build your own U3A website
    • Complaint Procedures
    • Copyright Guide
    • Publicity Guide
  • Events
    • Events Calendar
    • Events Listing
  • Contact Us

Ways to avoid or reduce the medical gap

08/10/2022John ArmstrongNetwork NewslettersNews

Most of us know about the medical gap, which is the difference between what Medicare and your private health fund will pay towards your treatment (the MBS fee) and what your specialist doctors or hospital charges. The patient often needs to pay the difference, known as the gap.

So, how do we avoid or minimise what ‘gap’? Firstly, if you have private health cover contact your health fund for a list of healthcare professionals with gap cover arrangements. If you are treated by anyone on the list and they agree to participate, there’ll either be low or no medical gap cost involved.

The gap shouldn’t be confused with the private health plan excess (the amount you contribute upfront, as part of your medical cover) or co-payments (the fees that you pay if you’re admitted into a private room in a public or private hospital). Depending on your policy, these payments may also be required.

There are three ways you may be eligible for access to gap cover doctors participating in the Medical Gap cover scheme:

  1. No gap means no extra fees for you. Your health insurance provider sets a maximum limit for how much they’ll pay over the Medicare Benefits Schedule (MBS) fee. The MBS is the list of suggested fees set by the government for standard Medicare-covered consultations, treatments and general services. If your doctor charges above the MBS, but under or up to your insurer’s ‘no gap’ threshold, you’ll be covered with no extra fees to pay.
  2. Known gap cover means capped extra fees for you. If your doctor participates in a ‘known gap’ scheme, you’ll have known out of pocket expenses for each procedure that he or she performs. Prior to the procedure, make sure the doctor gives you an “informed financial consent”, which lists all costs so you are aware of exact out of pockets. Not all health funds offer a known gap option in their scheme. With that in mind, it pays to review a provider’s policy carefully before committing.
  3. No gap cover means you’ll incur all out-of-pocket expenses. If you visit a doctor that doesn’t participate in any level of gap cover, you’ll need to pay the total costs that are charged over the MBS standard fee.

As an example: after many years working outdoors and playing football, James has  booked in for knee replacement surgery. Medicare covers part of his fee and so does his private health insurance Hospital policy (PHI). James’ chosen surgeon charges more than the standard MBS cost, so there’s an outstanding medical gap. This means that James has to pay the out of pocket expenses which covers the gap between what Medicare covers, and what the surgeon charges.

Why does this medical gap exist?

The Medicare Benefits Schedule (MBS) is sent to members of the Australian Medical Association. It describes the different procedures a doctor can perform and suggests fees Medicare believes practitioners should invoice. Since there’s no rule that says doctors are obliged to charge what Medicare has assessed for each procedure, some choose to charge more. This is known as the medical gap.

Let’s look at the figures. Medicare pays 75 per cent of the MBS fee for treatment of private patients in hospital. Your private health insurer pays the remaining 25 per cent. When a specialist considers Medicare’s schedule fee, they take into account their costs and the circumstances of each particular case and patient to determine a price.

Speak to your doctor before treatment

Ask your doctor about their fees before you’re treated, and they’ll happily break down the costs, including how much is covered by Medicare and insurance. Legally, they have to reveal these costs to you.

It’s a good idea to ask if other doctors or specialists will be involved, and if and how they’ll be billing you for their service.

For more information about private health insurance go here.

For more information about the medical gap and other medical expense issue go to the Department of Health and Aged Care website here.

Add Comment Cancel


Latest Network Posts

  • Theme notes for U3A Network Art Competition 2023

    Don’t be put off by the theme of this year’s art competition ‘U3A Yesterday, Today...

  • Grant Cassidy OAM named conference MC

    Grant Cassidy OAM, Managing Director of Cassidy Hospitality Group, has been named as Master of...

  • Mahjong Madness at Rockhampton Conference

    By popular request, the Mahjong Club of Rockhampton in conjunction with U3A Rockhampton invite delegates...

  • Fine dining planned for conference dinners at Rockhampton Leagues Club

    Delegates to the U3A Network Conference in Rockhampton are in for a dining treat, with...

  • Programme for U3A Network Conference 2023 released

    U3A Rockhampton have organised a wonderful programme of events for the U3A Network State Conference...

U3A is the largest provider of adult education programs for retirees in Queensland. All programs are provided by volunteers. There are now 35 U3A groups in Queensland including U3A Online, with an estimated 24,000 members.

secretary@u3aqld.au

https://u3aqld.au

PO Box 1271 Stafford Qld 4053

Quick Links

  • Home
    • Committee Pages
  • About Us
    • About U3A
    • About Network Queensland
    • Network Committee Members
    • U3A in Australia and Worldwide
    • Play and Learn with Us
    • Social Photos
    • Local U3A Beginnings
  • Conference 2023
    • About the Conference
    • Register for Conference 2023
    • Conference Programme
    • Conference Guest Speakers
    • Explore Rockhampton
    • Conference Terms & Conditions
    • Latest Conference News
    • Art Competition 2023
    • U3A ‘Rocky’ Newsletters
      • January 2023 Newsletter
      • February 2023 Newsletter
    • Conference Sponsors
    • Visit Capricorn
  • News
    • Latest Network News
    • Network Newsletters
    • Network Video download
    • U3A Associations News
    • U3A Associations Newsletters
    • Submit a Story for Publication
    • Social Photos
    • Art Competition 2023
    • Art Competition 2022
    • President’s Communique
  • Members
    • U3A Members Statewide
    • Network Video download
    • Post AGM Report Form
    • U3A Committee Appointments
  • Policies/Procedures
    • U3A Network Constitution
    • Strategic Directions
    • Network Brand Guidelines
    • Communications Plan 2021-22
  • Resources
    • Constitution Template
    • Starting Your U3A
    • Premises & Facilities
    • Governance Manual
    • Associations Smart Business Guide
    • Expense Claim Form
    • Policy Bank
    • Using Zoom Videoconferencing
    • Community Support Links
    • UN Decade of Healthy Ageing
    • Build your own U3A website
    • Complaint Procedures
    • Copyright Guide
    • Publicity Guide
  • Events
    • Events Calendar
    • Events Listing
  • Contact Us

Latest News

  • Theme notes for U3A Network Art Competition 2023

    Don’t be put off by the theme of this year’s...

  • Grant Cassidy OAM named conference MC

    Grant Cassidy OAM, Managing Director of Cassidy Hospitality Group, has...

  • Mahjong Madness at Rockhampton Conference

    By popular request, the Mahjong Club of Rockhampton in conjunction...

  • Fine dining planned for conference dinners at Rockhampton Leagues Club

    Delegates to the U3A Network Conference in Rockhampton are in...

  • Programme for U3A Network Conference 2023 released

    U3A Rockhampton have organised a wonderful programme of events for...

Copyright ©U3A Network Queensland