If you are a private patient in a public or private hospital, HCi pays towards any covered treatment a doctor provides whilst you are in hospital.  The Federal Government’s Commonwealth Medical Benefits Schedule (MBS) specifies how much both Medicare and HCi pay for that treatment. Indicatively, Medicare pays 75% of the amount specified in the schedule and HCi pays 25%.

However, if your doctor chooses to charge above the MBS fee, you may have to pay the medical gap which is the difference between the total fee charged by the doctor and the MBS fee. HCi does not pay claims for out of pocket expenses.

It is in your interest to discuss fees with your doctor and find out if they will use HCi’s Access Gap Cover to minimise or eliminate your medical out-of-pocket costs. Our provider search can also help.

Any time you need specialist care in hospital, your doctor can now provide a much simpler billing system by choosing to use HCi’s Access Gap Cover.

Finding HCi providers and costs

When facing a procedure, it is always good to discuss your options with your current medical provider.

You can also find out about relevant HCi providers in your area by using our specialist and hospital search tools below. Simply enter your postcode and search by name or speciality.

For a guide on what the procedure may cost you, the Federal Government’s Medical Costs Finder (MCF) could be a useful tool. It shows what the average price is nationally and per state. You can also see how much Medicare will cover and the likelihood of out-of-pocket expenses.