About to go to Hospital? Know what you're up for

Going to hospital can be daunting enough without unexpected bills. To avoid the surprises, there are 3 simple questions to ask before you go.

1. Is your doctor offering a ‘no-gaps’ service? If no, you’re likely to have an additional fee to pay. Ask your doctor to explain any charges up front.
2. Is the hospital a Medibank Private Members’ Choice hospital? If no, you’re likely to have to pay an additional ‘hospital accommodation cost’. This is on top of any excess or co-payment you may pay and on top of the amount Medibank Private pays the hospital on your behalf. Ask the hospital about any additional ‘hospital payments’ before booking in.
3. Are there any other health care providers needed in your treatment? And what are their costs? For example, you may require an anaesthetist, radiologist, physiotherapist or some other health profession not covered by the hospital. Ask your doctor.

The answers to these questions may not change any of the choices you make. The important thing is that it is your choice, so you need to be informed.