If this is an emergency or you are experiencing harm, or know someone who is at risk of harm, or if you are having suicidal thoughts, please call triple 000 or Lifeline on 13 11 14 now to speak with someone immediately.
Unless you live with no internet and have no need to access health care, it’s safe to assume you’ve heard about Medicare.
But how well do you really know Medicare?
Would you select Medicare as a double-points round at a quiz night? (I’m happy to be on your team if you do).
So, if I’m not around, let’s prep you for that double-points round now, with 3 things you need to know about Medicare.
This is money that is either paid directly to you or the health professional.
When you see a health professional who is “Bulk Billed” – you pay nothing, and Medicare pays the health professional directly.
When you see a health professional and pay a gap fee, Medicare pays you money back for the visit (Medicare Rebate). The actual amount you get back depends on the health professional you saw and duration of visit.
All the gap fees you pay in one year add up towards the EMSN threshold.
The threshold for most people is $2184.30 and for Concession Card Holders its $697.
The EMSN threshold re-sets at the beginning of each year.
As a couple or a family on the same Medicare Card, you are not automatically registered for the EMSN threshold.
It’s important to register as a couple or family, so that all gap fees you pay jointly add up to the one EMSN threshold.
Once you reach the EMSN threshold, you’re get 80% back on all gap fees on top of the Medicare Rebate. That takes session costs at Rose Phoenix Health to between $24.09 – $32.35, depending on clinician seen.
You will totally blitz that next quiz night!