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Tripping to Australia is an exciting experience. Having said that unavoidably the question of healthcare is raised. Nobody wants to get sick or injured while living in Australia and then be left with a long list of hospital bills to pay.
If you are living in Australia and you get sick, then looking for Medicare Levy Surcharge will be the best move. This is Australia’s publicly funded healthcare system, but it doesn’t provide 100% coverage. Medicare provides eligible people access to free or subsidized healthcare, optometrical (eye treatment) and public hospital treatment. Medicare doesn’t pay ambulance bills, physical rehabilitation, spectacles, podiatry, chiropractic care, or private clinic accommodation.
Medicare also doesn’t cover dental treatments, with a few exceptions for low-income earners. A countrywide Dental care Australia plan may be extended in the next federal government budget, but the particular information is yet to be publicized. Some dental care firms provide 0 % interest payment plans, discount for regular patients or member discounted service that attracts an annual fee, to help manage expenses.
People can also opt to access private health companies that charge for the services, and may choose private medical health insurance to cover all these costs.
The Australian Federal government also has Mutual Health Care Contracts with some countries that give ‘restricted accesses to public healthcare while in Australia. Limited access usually restricts care and attention to ‘medically necessary’ solutions for example Illness or injuries which occur when you’re in Australia and which requires treatment plan through a public medical center before you return home.
People from New Zealand don’t get granted with a Medicare insurance card and instead show their passport at public hospitals or drug stores. Non-hospital treatment, such as attending a local General practitioner doctor, isn’t covered. Some other mutual contracts will pay Medicare benefits for out-of-pocket treatment provided by health professionals through private surgical procedures and community health organizations. All contracts cover subsidized medications under the Pharmaceutical Benefits Scheme (PBS).
Please note: Mutual contracts officially only cover people if they’ve come from the reciprocal country for example: If you were previously residing in another country before visiting Australia you might not meet the criteria, as you’ve not been part of the health system for the country of nationality. On the other hand, the application of this particular requirement varies between Medicare insurance staff. Medicare insurance Information Kits for migrants are usually available in 20 different languages.
The refund (or benefit) you get from Medicare insurance will depend on the Medicare insurance Benefits Schedule (MBS) for that particular service that is specified by the federal government. Medical professionals and some other health service experts can charge over the routine fee or bulk bill. Bulk charging is when doctors bill Medicare insurance directly, taking the Medicare benefits as full repayment for the service if doctors ask for a higher bill the patient bears the extra costs.