Payment Policy

Payment Policy

Our reception staff will be happy to advise you of the consultation fee upon booking an appointment over the telephone. Fees for consultation along with other necessary forms will also be sent to you for your convenience upon booking an appointment.


Surgical fees are billed directly to the Health Insurance Providers.


Where out-of pocket co-payment are required which can vary depending on the type and complexity of surgery or procedure. Patients will be advised, in writing, after the consultation, the amount of gap payment. Fees for uninsured patients are advised by the accounts manager upon request.


For more information on Payment Types click here

How to Pay

Payment on the day of consultation is much appreciated. For your convenience we accept a number of payment methods in the rooms, by post and online. 
These payment methods include:
  • Credit Card: VISA, Mastercard, Amex 
  • Cheque or Cash
  • Electronic - EFTPOS, Pay Online (BPay)

Other Payment Choices

Other payment approaches can include:

Medical Finance Options

There are a range of medical finance specialists who help fund medical procedures, some providers include:

 

  • Zip
  • Medipay

 

Early Release Superannuation
Patients may apply to Centrelink for an early release of superannuation funds to cover part or all of the costs involved. More details can be found on the Centrelink website.

If you chose to apply for this, three documents need to be lodged. Completed application form - click here for more information
  • A letter of support from your General Practitioner
  • A letter of support from our clinic (we will provide this after your initial consultation)
Please note that processing time by Centrelink generally takes around 3 weeks, and allow a further 4-6 weeks for your superannuation fund to release the funds to your personal bank account.
Australian government superannuation access

Tax Rebate Scheme For Medical Expenses

A significant rebate can be claimed through your end of year tax return if you incur medical expenses over $2,000 during the one financial year. Anyone can claim the tax offset: there is no upper limit on the amount you can claim, however it is now income tested. The rebate is currently 20 cents for every dollar over the $2000 threshold.


There is no upper limit on the amount you can claim, and it is not means or assets tested. Because this is a rebate rather than a tax deduction, you can claim this from the ATO even if you do not pay tax. As always, also check with your accountant or financial advisor.


Because this is a rebate rather than a tax deduction, you can claim this even if you do not pay tax. It is claimed at question T9 on your tax return. As always, be sure to check with your accountant or financial advisor. Refer to Australian Taxation Office to know more.

Payment Types

About Private Fee Patients 

Our practice treats private fee patients. 

If you choose to be treated as a private patient you will be able to:
  • choose your own treating specialist, and
  • be treated at hospitals that our doctor is affiliated to or is a visiting medical specialist, 
After discharge, your care and follow up appointments will be carried out by your specialist and team in either 
  • an outpatient clinic or in our private rooms, or 
  • will be referred to your local general practitioner.
As a private patient our surgeon will perform your surgery personally and will also look after you if you are advised to be an in-patient. All follow up appointments will be in our private rooms.

Overview of Payment for Patients

This page explains of practice and payment policies relating to:
  • the billing types our practice offers, 
  • the billing policies for our medical services, and 
  • further explanations to common fee questions patients have.

Types of Patients

Our practice treats the following types of private patients:
  • Privately Insured Patients,
  • Insurance Patients (Workers Compensation, Motor Accidents etc),
  • Veteran Affairs Patients,
  • Self Insured Patients, and
  • Overseas Patients.
  • Privately Insured Patients

    Private Health Insurance allows you and your family to access the right health services at the right time. 


    You have control of your health care and can choose the provider, facility and timing of your treatment. 


    With the security and protection of private health insurance, you have access to an extensive range of private hospitals and can rest assured that your health is in good hands.


    Please keep in mind that you are responsible for your total obligation should your insurance benefits result in less coverage than anticipated.


    Your should be aware that:

    • Your policy may base its allowances on a fixed fee schedule, which may or may not coincide with the AMA fee schedule.
    • Different insurance companies vary greatly in the types of coverage available. Also, some companies take care of claims promptly while others delay payment for several months.
    • Depending on your level of cover, some health funds also require you to pay an excess. We are not responsible for these costs but our staff will do their utmost to guide you to better understanding.

    Our practice accepts most private health insurance programs. Our staff can also help with your claim for benefits, but we remind you that your specific policy is an agreement between you and your insurance company.

  • Insurance Patients (Workers Compensation, Motor Accidents etc)

    Insurance Claimants include two common insurance classes are:

    • Workers Compensation, and
    • Motot Vehical Accidents

    Workcover and Workplace Injuries

    We offer full Workers Compensation and work-related injury treatments.


    If you are seeing the doctor for an existing Workcover claim or if you have recently been involved in a work incident and are unsure of whether you fall under the category of WorkCover, please inform the receptionist on arrival.


    We know the importance of good communication with employers to minimise lost time from injuries, and we work with employers to find alternative duties for injured staff where possible.


    Motor Vehical Accident (TAC) Claimants

    We offer full TAC Injury treatments.


    If you are seeing the doctor for an existing TAC claim or if you have recently been involved in a transport accident and are unsure of whether you fall under the category of TAC please inform the receptionist on arrival.

  • Veteran Affairs Patients

    The Australian Government’s Department of Veterans’ Affairs (DVA) provides support to current and former serving members and their families through a range of benefits.


    These can include both ongoing or one off payments. 


    For further understanding on how you can apply these benefits to our service and the scope of cover please refer to: http://www.dva.gov.au/benefits-and-payments

  • Self Insured or Un-Insured Patients

    An increasing number of people are choosing to "Self-Insure" or pay for their own surgery, so they don't have to wait. This is often a worthwhile investment as it means you can have your operation done straight away or whenever it suits you. This can allow you to get back to your work and sport as soon as possible.


    Patients may be able to choose private admission even if they do not have private health insurance. 


    Self-funded patients will be liable to pay the following:

    • The gap between the Medicare benefit and any specialist’s charge
    • The gap for diagnostic services (medical imaging and laboratory testing), however some of these services may be bulk billed to Medicare, that is no ‘gap’
    • Hospital accommodation fees (bed charge)
    • Surgically implanted prostheses
    • Other Services

    Essentially this means you must meet all costs of the admission yourself except those covered by Medicare. 


    For further information about being a private patient, contact our rooms

  • Overseas Patients

    Non Reciprocal Health Care Agreement - If you are an overseas patient from a country where there is no Reciprocal Health Care Agreement, you are not eligible for Medicare and you are responsible for payment of all fees and services. Non-Medicare patients are billed for inpatient and outpatient services regardless if they choose public or private admission.


    Reciprocal Health Care Agreement - If you are a visitor from a country where Australia does have a Reciprocal Health Care Agreement (RHCA), you may be eligible for treatment that is deemed immediately necessary for any health problem or injury whilst in Australia. RHCA does not cover pre-arranged or elective treatment. Overseas patients who are covered by the RHCA will not be covered if they choose private admission.


    Please contact us for more information.

Fee Estimates

We offer informed financial consent to all our patients prior to surgery. This is a pre-treatment estimate of your surgical costs. 

While the fees charged may depend on the specific course of treatment, our practice's standard fees are in line with the Australian Medical Association recommended fee schedule. This means that in most instances there will be a ‘gap’ between our surgical fee and what is covered by Medicare and your health insurance fund.

The pre-treatment fee estimate includes the specific item numbers to be used and enables you to discuss with your health insurance company what you are covered for and if benefits are applicable.

If there is any problem with either the fee estimate or any other billing issue, it is important that you ask our staff. They can help you navigate what can be a complex process by either advising and helping explain the charges and rebate structure. 

All Fee Categories

Our practice fees for either Consulting or Surgery may sometimes only be part of your treatment cost. 

Other possible fees or disbursements involved in your care are dependant on which course of action is chosen for your treatment. You may need to also check with your health fund to see what is covered for additional areas of service. Potential fee categories to be sure of can include:
  • Hospital Fees,
  • Surgical Assistant Fees,
  • Implants or Prosthesis Costs,
  • Anaesthetists Fees,
  • Diagnostic Tests (Radiology, Pathology), and
  • Post-Operative Care.

Questions to Ask Your Health Fund

When talking with your Health insurance company you should be clear on the following matters:
  • What is my annual monetary benefit limit for:
  • General Surgical treatment and Major Surgical treatment?
  • What service limits apply to my cover?
  • When does my annual benefit limit expire?
  • Do I have a waiting period? And when does it end?
  • What kind of Surgical treatment is NOT covered?
questions to ask health fund

About Our Fee Policy?

The medical fee rebate system in Australia is complex. A set of fees for medical services is determined by the Federal Government and known as the Medicare Benefits Schedule (MBS). Most procedures involved in your treatment will have a MBS “item number” and the Government sets a Medicare Benefits Schedule (MBS) fee for each item number.

The MBS fee is used to work out how much Medicare will pay. Medicare pays a benefit of 75% of the MBS fee for in-hospital treatment and 85% of the MBS fee for out-of-hospital services. MBS fees are not the fees doctors charge, they are fees set by the government to manage the benefits paid by Medicare.

Surgeons are free to set their own fee for the services, these are also governed by the The Competition and Consumer Act 2010 but are under no obligation to charge fees that are equal to the Medicare Benefits Schedule (MBS) fee or the schedules of medical benefits set by private health insurers.


Our fees not only take into account the professional fees but many other factors including practice staff, office expenses, operating expenses, medical registration, compulsory professional association subscriptions, professional indemnity insurance and many other elements. These cost can vary significantly, yet the Medicare rebates are identical irrespective of the practice running costs.

In our practice specialty, prompt communication with the referring general practitioners is vital, and prompt responses, with high staff levels is a major benefit to patient care, but also adds cost.

Surgeons should satisfy themselves in each individual case as to a fair and reasonable fee having regard to their own costs and the particular circumstances of the case and the patient. 

The same operative procedure can vary enormously in both complexity and operating time between individual patients, and as such there may be significant variations in the operation fee for the same procedure, depending on the individual circumstances. For this reason sometimes it may not be possible for us to provide estimates for operative procedures over the phone prior to a clinical consultation.

Medicare Gap for Out Patient Services?

The Medicare Rebate for an outpatient service is 85% of the MBS schedule fee. 


The “gap” between the amount charged and this 85% rebate is not covered by your private health insurance for outpatient services and therefore a financial obligation on yourself arises, and you will face an “out-of-pocket” charge. 


As a patient you pay 15% of the MBS fee, plus any amount charged by the doctor over the MBS fee. Private health insurers are not allowed to provide cover for doctors’ fees for out-of-hospital services. 


Medicare benefits levels are fixed arbitrarily by the federal government and benefit levels have not kept pace with inflation, the escalating costs of running a practice and increasing medical indemnity premiums, thereby widening the gap between reasonable fees and Medicare benefits. 


The fees charged by our practice have been determined after careful study and investigation of practice costs and other relevant and material circumstances, and are considered as being fair, reasonable and appropriate for the services provided.

medicare graph for out patient services

No Gap, Low Gap and Known Gap Policy

Our practice believes strongly in the importance of appropriate surgical care. We offer clear fee schedules for our patients, with service fees ranging across
  • No Gap
  • Low Gap, and
  • Known Gap
Every person who has surgery cover with any Australian health fund and who are in significant financial hardship may be covered by our No Gap Policy. This means some patients may receive no out-of-pocket expenses for some treatments .

We also offer a “No Gap Surgical Check Up”. This includes:
medicare insurance
  • Surgical examination and a consultation to address any and all of your questions and concerns regarding some specific conditions.
  • Diagnostic examinations, and
  • Where surgery is required, this may also be covered by our No Gap Policy
Conditions for the No Gap Surgical Service include you must have:
  • Basic Surgical cover with your private health insurer,
  • Your health fund card with you at the appointment,
  • Insurance cover for the cost of the treatment. If your limit is reached for services provided or your health insurer paid zero dollars, you will have to pay the difference.
These No Gap fees are available for patients in significant financial hardship or pensioners.

Where you are not eligible for No Gap services, you may also be eligible for Known Gap or Low Gap Fee Schedules. Please contact our practice for further details.

Uninsured Public Patients

If you are not covered by private health insurance or other claiming system and your require surgery there are two alternatives:
  • Go on a Waiting List at the Public Hospital, or
  • Pay for the operation yourself ("Self Insure")
Australian residents who decide to be a public patient are entitled to free treatment under Medicare. Your treatment will be carried out by an appropriate specialist which will be arranged prior to your admission. After discharge, your care will either be continued in an outpatient clinic or you will be referred to your local general practitioner.

There are no fees for surgery in the public hospital, however, there is a waiting list. Your position on the waiting list will be based on the severity of your condition. Your follow up visits after surgery will be arranged through the hospital.

In the public hospital the surgery is usually performed by a registrar (doctor training) but the registrar is supervised by a senior surgeon who is responsible for your care.

Public Hospital Waiting List
The Waiting List for operations in the Public Hospital System can be considerable, currently many common procedures are upwards of twelve months.
  • Private Billing

    [doctor]'s practice is a private service provider, this means typically payment in full is expected at the time of the appointment.

     

    Patients are then able to claim some of the fee back from Medicare if you have a referral letter.

    A percentage of the fee may also be claimed from you private health insurance company. 

  • Do You Offer Discounts?

    Due to strict regulations set by the Therapeutic Goods Act (TGA) it is against the law to offer financial inducements for medical services. 

    Discounted treatments should raise alarm bells when you are choosing which clinic to trust your treatment to. 

  • Quotations

    A treatment quotation can be created. This quotation includes the item numbers for checking with your health fund.


    Other Possible Disbursements

    Other charges for your care that should be checked could include:

    • Hospital Fees
    • Surgical Assistant Fees
    • Implants or Prosthesis
    • Anaesthetics Fees
    • Tests (Radiology, Pathology)
    • Postoperative Care
  • No Gap Policy

    For some treatments and patients we have a No Gap billing arrangement.

  • Self Insured Patients

    Patients without private health insurance can choose private admission. These ‘self-funded’ patients assume all costs of the admission including the:

    • Gap between the Medicare benefit and specialists fees,
    • Gap for diagnostic services,
    • Hospital accommodation fees,
    • Any surgical devices used

    For further information about being a private patient, contact our rooms

  • Fee Explanations

    Please talk with our staff for further clarification of what is involved.


    They can go through the details of the fees, payment options and logistics with you. 


    If you still have questions when you leave the office, please do not hesitate to contact us on [TEL]. We are here to help.

  • What Will I Get Back?

    Generally, most health funds will cover a percentage of the cost for our services. 


    We recommend you check your level of cover with your private health fund to know exactly what you are entitled to for each consultation and the gap you may be expected to pay. 

  • Payment Methods

    Any gap payments are expected to be settled on the day of consultation.


    These accounts can be paid via 

    • EFT, 
    • Visa Card, 
    • Mastercard, 
    • AMEX, 
    • Cheque 
    • Cash.

    In some cases a deposit or full payment is requested prior to admission.

  • Known Gap

    For some treatments have a Known Gap arrangement.

  • Finance Options

    Sometimes it’s just easier to spread your payments. We can advise you of a number of health finance companies that can offer a formal quote based on your circumstances.

    A credit assessment will be conducted prior to acceptance of any offer or product. Interest rates, terms and conditions will be provided on the application. Fees and charges apply.