Surgery and in­surance in Aus­tralia

Diabetic Living - - My Story: Type 2 -

Only 49 per cent of Aus­tralians have pri­vate health in­surance that cov­ers hos­pi­tal treat­ment in their cho­sen pol­icy. Although there is no re­quire­ment for you to have pri­vate health in­surance, with­out it pa­tients are left pay­ing ex­tra tax ev­ery year un­der the Medi­care Levy Sur­charge. Hos­pi­tal cover pays for some, or all, of the costs as a pri­vate pa­tient, in­clud­ing doc­tors’ fees and hos­pi­tal ac­com­mo­da­tion, and en­sures you have a shorter wait­ing pe­riod.

When it comes to weight-loss surgery, most companies pay ben­e­fits for this, but you’ll usu­ally need pre­mium-level hos­pi­tal cover. So, if this is some­thing you are seek­ing, it is best to check your cover level in ad­vance. But not ev­ery­thing is cov­ered. Luck­ily, Medi­care can cover some things, such as GP ap­point­ments and the ini­tial con­sul­ta­tion with the sur­geon. For those who fit the re­quire­ments and elect to have the pro­ce­dure per­formed as a pri­vate pa­tient, you may qual­ify for a Medi­care re­bate. The amount of re­bate de­pends on the op­er­a­tion you are un­der­go­ing, which must be de­ter­mined by your doc­tor. Even with pri­vate health in­surance and Medi­care, you should ex­pect to pay out-of-pocket ex­penses.

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