Will there be any out-of-pocket costs if I’m admitted to hospital?
If you are admitted to hospital and treated as a private patient, you may have some out-of-pocket expenses.
For treatments included under your policy, Medicare and Medibank will jointly cover the cost of each MBS-listed item that was provided in your treatment, up to the MBS fee (the set government fee).
However, if your treating doctors choose to charge more than the MBS fee, you may have to pay the gap amount as an out-of-pocket cost. Read more about how Medibank’s GapCover scheme can help reduce some of these out-of-pocket costs.
Also, keep in mind that some private hospitals charge an emergency department facility fee. Because this is an outpatient fee, it isn’t usually covered by private health hospital insurance.
And if your policy includes an excess, then this is also payable by you.