In Australia we are covered my Medicare. Cost and cover is dependant on income.
http://www.medicareaustralia.gov.au/
For me I pay something like 1.5% of my salary. It is paid as part of my tax each pay.
Jack pays nothing as he doesn't earn enough.
Medicare usually pays:
the full Schedule fee for GP services
85% of the Schedule fee for other out-of-hospital services
75% of the Schedule fee for in-hospital services
The Schedule fee is a fee for service set by the Australian Government and not what your doctor charges you. Majority of doctors do not charge the scheduled fee ao a co-payment is usually necessary and amount is dependant on the service provided and the type of doctor. I pay around $20 for my local GP. If you are seeing a specialist the amount is much higher.
What does Medicare cover?
The benefits you receive from Medicare are based on a Schedule of fees set by the Australian Government. Doctors may choose to charge more than the Schedule fee. The Medicare Benefits Schedule (MBS) lists all the Medicare item numbers.
Out-of-hospital services
Medicare provides benefits for:
consultation fees for doctors, including specialists
tests and examinations by doctors needed to treat illnesses, including X-rays and pathology tests
eye tests performed by optometrists
most surgical and other therapeutic procedures performed by doctors
some surgical procedures performed by approved dentists
specified items under the Cleft Lip and Palate Scheme
specified items for allied health services as part of the Enhanced Primary Care (EPC)
You can choose the doctor who treats you for out-of-hospital services.
In-hospital services
Public Patient
If you choose to be admitted as a public (Medicare) patient in a public hospital, you will receive treatment by doctors and specialists nominated by the hospital. You will not be charged for care and treatment, or after-care by the treating doctor.
Private Patient
If you are a private patient in a public or private hospital, you will have a choice of doctor to treat you. Medicare will pay 75 per cent of the Medicare Schedule fee for services and procedures provided by the treating doctor. If you have private health insurance some or all of the outstanding balance can be covered.
You will be charged for hospital accommodation and items such as theatre fees and medicines. These costs can also be covered by private health insurance.
What's not covered by Medicare?
Medicare does not cover such things as:
private patient hospital costs (for example, theatre fees or accommodation)
dental examinations and treatment (except specified items introduced for allied health services as part of the Enhanced Primary Care (EPC) program)ócontact Medicare for more information
ambulance services
home nursing
physiotherapy, occupational therapy, speech therapy, eye therapy, chiropractic services, podiatry or psychology (except specified items introduced for allied health services as part of the Enhanced Primary Care (EPC) program)ócontact Medicare for more information)
acupuncture (unless part of a doctor's consultation)
glasses and contact lenses
hearing aids and other appliances
the cost of prostheses
medicines (except for the subsidy on medicines covered by the Pharmaceutical Benefits Scheme)
medical and hospital costs incurred overseas
medical costs for which someone else is responsible (for example a compensation insurer, an employer, a government or government authority)
medical services which are not clinically necessary
surgery solely for cosmetic reasons
examinations for life insurance, superannuation or membership of a friendly society
eye therapy
You can arrange private health insurance to cover many of these services.
I also pay into private health cover. Fot $109 a month I get to go to a private hospital with the doctor of my choice. I pay an co-payment of $50 per day up to a max of $250 per year. Jack pays $96 a month and has a co-payment of $100 per day. I figure he is less likely to need hospitalisation.
I am covered for the difference between the Medicare in-hospital rebate and the scheduled fee charged by my doctor for services provided in a hospital. Unfortunately more and more doctors are charging way above the scheduled fee to cover the actual costs of their services. When Zoe was in hospital recently she had to pay around $2500 extra for her specialist and the anaethetist. The actual hospital stay cost her $25 for her priavte health fund co-payment.
Our private health also covers dental to about 60% if I use the dentist that my health fund runs and 40% if I choose to go to a different dentist.
60% benefit on optical up to $120 and 40% after that.
If I go to a physiotherapits who is recommended by my health fund then all I pay is $18 a visit - just so happens the physio I have always used is one of the recommended physios - I think a visit to the physio without private health cover is around $70 not really sure as I have never not had health cover. I have a limit of $350 per year.
I also get 20% discount on all non prescription items at my local chemist - who happens to be a chemist my health fund recommends. This is the main reason I stay with my current health fund as most of their prices are comparable to a supermarket - toiletries, cosmetics and stuff like that - and take 20% off its a huge savings.
I am also covered 100% for ambulance costs. Not that I have ever needed one. But an ride in a ambo could set you back $1000.
I could pay a higher premium and be covered for other health care - chiropractor, podiatrist, dietry, naturopathy and whole range of other crap I don't need.
To encourage people to join up with a private health fund the governement provides a 30% rebate to those with cover.
If take up private health cover after you turn 31 then you pay an extra 2% in premium for every year you are over 31 when you join up.
In my experience I have never had a problem with my level of cover. Over the years we have had to make use of hospitals on a regular basis and apart from emergency admissions (asthma mainly) we have always used a private hospital with our own choice of doctor.