Hospital fees and charges
If you have chosen to have an excess on your hospital cover, you will need to pay this to the hospital, usually before your admission. You should also confirm whether there are any costs associated with accessing a private room, if this is relevant for your hospital stay.
Excess & Co-payments
Excess and co-payments relate to an amount of money you as the policy holder agrees to pay before private health insurance benefits are payable. A co-payment generally applies every time you or someone on your policy goes to hospital in a year; an excess is generally capped at a total amount for the year. We encourage you to contact GMHBA so that you are clear on what excess and co-payment costs you may have to pay.
Some hospitals charge for additional services like WiFi, TV, newspapers, phone calls or partner meals. Generally all details of additional costs are provided in your room or prior to admission but if you require any of these services you can enquire ahead of time.
Access Gap Cover
Specialists can opt in or out of the Access Gap Cover scheme on a patient by patient and procedure by procedure basis – just because they do participate in the scheme doesn’t mean that they always use it. Ask your specialist if they will be using Access Gap Cover for your treatment.
Care in a private hospital
GMHBA has agreements with a large number of private hospitals in Australia. We recommend you check our participating hospital list to confirm that GMHBA has an agreement in place with the hospital where your medical specialist wishes to admit you.
For an admission to a contracted hospital, GMHBA can pay benefits that cover:
- Hospital accommodation and meals
- Intensive care and operating theatre fees
- Government listed surgically implanted prostheses, eg for a hip or knee replacement
If the hospital does not have a contract with GMHBA, benefits can still be paid up to a default rate, however you are likely to have a significant gap to pay.
In Australia, medical services provided by doctors have a Medicare Benefits Schedule (MBS) fee, set by the Government. This is called the scheduled fee. Medicare pays 100% of the scheduled fee for GPs and 85% of the scheduled fee for specialists. If the doctor chooses to bill above the scheduled fee, you will have to pay the difference.
Private health insurers are not permitted to pay any benefits for medical services provided out of hospital (i.e. any services other than those provided while you are an admitted hospital inpatient).
When a specialist is treating you in a hospital, they are able to opt in or out of the Access Gap Cover scheme on a patient by patient and procedure by procedure basis – just because they do participate in the scheme doesn’t mean that they always use it.
Follow up and ongoing treatment
After going to hospital, your specialist will provide information on expected recovery and rehabilitation needs.
It is important that you carefully follow this information, to ensure the best recovery for yourself.
GMHBA are here to support you with your recovery. While your specialist or GP should be your first resource, you can also contact the GMHBA Health Navigation Line on 1300 291 011 for help finding support near you.
Many surgeries require rehabilitation, for example physiotherapy. You can check your extras cover to ensure you’re covered for benefits towards these services.
If you are unclear or need any further information relating to your health insurance please contact us.