- reduces out of pocket costs

All HCI hospital cover includes our Access Gap Cover at no extra charge, helping to reduce or eliminate out-of-pocket (gap costs) between the Medicare Benefits Schedule Fee and the doctor’s charge for in hospital medical treatment. If your doctor agrees to treat you under Access Gap Cover, you will either have no out of pocket expenses or you will know the amount of any out of pocket expenses before your hospital treatment. Contact HCI before going into hospital to ensure you are informed about benefit payments. Note: Health Funds cannot pay any medical benefits for treatment not involving a hospital admission, such as surgical procedures conducted in doctors’ rooms.

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