What are the medical benefits of successful immigration to Australia?

Every Australian permanent resident and Australian citizen can apply for a medical insurance card after arriving in Australia, and a family can apply for one. The names of all family members are listed on this card.

You can apply for a medical insurance card at any branch of medical insurance.

Public expense patient

With medical insurance, you can go to a public hospital as a public medical patient and be treated by a doctor appointed by the hospital, and the patient does not have to pay. Even if you have purchased private insurance, you can take the initiative to choose public hospitals for free medical care.

As a patient with free medical care, you can't choose a doctor or when to be admitted to the hospital.

(Note: Many expectant mothers who get PR want to come to Australia to have children at public expense. Here, I would like to remind you that public medical care in Australia is quite different from that in China, from the treatment process before and after delivery to the payment system. Please be careful. Public medical care cannot choose doctors who can't choose caesarean section, can't ask for a natural delivery, and can't choose a ward. Everything is arranged by the hospital, and the mode of delivery is judged by the doctor and midwife on duty that day according to the maternal physiological condition. If you want to enjoy the right to choose, you can only treat patients at your own expense. Before 20 weeks or even weeks of pregnancy, you should make an appointment with a doctor and a hospital, start a full-time self-funded birth check-up and make a delivery plan. If you decide to pay for yourself halfway, the doctor will not accept it. If you bring a pregnant woman halfway, it means that doctors have average medical skills and few people make appointments. )

Private patient

As a self-funded medical patient, you have the right to choose a designated medical student and decide to go to a private hospital or a public hospital where your designated doctor practices medicine for self-funded treatment. If you choose out-of-pocket medical care (whether in public hospitals or private hospitals), federal medical insurance

Will undertake the Medical Insurance Benefit Plan (MBS) for you.

75% of the treatment fee, and the remaining 25% of the treatment fee will be borne by you. You also need to pay some or all of the following fees:

Hospital accommodation and hospitalization expenses

Theater fee, operating room fee

Intensive care, intensive care fee

Costs of drugs, dressings and other consumables, narcotic drugs and related materials.

Prosthesis (surgical implantation), material cost of surgical implantation.

Diagnostic test, test fee

Drug fee

Any additional doctor's fees. Other treatment fees paid to doctors.

Self-funded medical care in private hospitals may be very expensive, and private medical insurance will reimburse you for some or all of the above expenses.

See a general practitioner and an expert

If you go out for medical treatment, Medicare will reimburse you for the expenses of treating MBS in GP (family doctor, community doctor or general practitioner) and 85% of the expenses of treating MBS in specialist. If your specialist charges Medicare directly, you don't have to pay bulk bills.

The expenses borne by Medicare include:

Doctor consultation includes experts.

Laboratory examination and examination needed for treatment, such as X-ray and pathological examination.

An optometrist performs optometry.

Most surgical operations and treatments performed by doctors.

Surgical treatment by some recognized dentists.

Cleft lip palace scheme, (rabbit lip, cleft lip and palate).

Specific items listed in the enhanced primary health care (EPC) plan.

(Note: The promise mentioned above does not necessarily mean giving all the money for free. Many times you have to make up the difference yourself, which is why some places collect money, some places don't collect money, some collect less, and some collect more. In Australia, the family/general practitioner system is adopted for medical treatment, that is, if you have any outpatient needs, you must go to the family/general practitioner first. Every community medical center has a general practitioner, and patients can freely choose to make an appointment with any general practitioner and show their medical insurance cards when they see a doctor. Some general practitioners are in bulk.

Make out an invoice. Some general practitioners will charge a consultation fee and then give you an invoice. You will go to the branch of medical insurance to reimburse expenses with MBS, and the difference you pay will be referred to as gap for short.

. Therefore, it is also possible for general practitioners to charge. Not all GPs are charged in batches (in fact, more and more GPs are not charged in batches now. If you want to know where there is bulk billing,

GP of the bill, check the yellow pages! )。 You can ask any questions about the charges directly before seeing a doctor. Don't wait to see a doctor to be dumbfounded. In addition to consultation, GP may also do some examinations and tests for patients, some of which are done in this medical center and some are recommended by GP.

Letter) to recommend patients to other laboratories or inspection centers. You can ask whether these laboratories and tests are in bulk.

Billing, or the gap in the cost of laboratory tests and examinations that patients have to pay. General practitioners cannot cure all diseases. To exaggerate, GP can't cure any serious illness. GP will write letters of recommendation to patients to see specialists according to their condition, and specialists are also divided into batches.

There is a gap between the settlement method and the patient's payment needs, and most specialists will not settle accounts in batches.

In a natural year, there is an upper limit to the gap between families' medical expenses. MEDICARE will reimburse your family for some of the expenses that exceed the upper limit. After obtaining medical insurance, you can apply for the upper limit of the medical insurance safety net.

Buy medicine

When you buy a drug benefit plan (PBS), you only need to pay part of the cost of prescription drugs. The rest are subsidized by PBS, and you must show your medical insurance card to enjoy the PBS drug subsidy.

Different drugs pay different out-of-pocket expenses, but they all have out-of-pocket expenses limits. For holders of discount cards, the upper limit of out-of-pocket expenses is the lowest.

(Note: If a patient needs to take medicine all the time like a medicine jar, even with PBS subsidy, the cost of medicine is still staggering. In order to reduce the excessive drug costs in a natural year as much as possible, you can apply for a PBS safety net. )

What does Medicare not cover?

Medical insurance does not reimburse ambulance expenses. In Kun and Ta provinces, the government provides free ambulance service. New Zealand and the Capital Region only provide free ambulance service for low-income recipients.

In other provinces, ambulance expenses can be reimbursed by participating in the insurance plan of ambulance agencies or purchasing private medical insurance.

Please note that the contents and expenses of ambulance insurance have many grades. Some insurance companies reimburse all ambulance expenses, while others only reimburse ground ambulances and limited ambulance services, such as ambulance services limited to your province.

Medical insurance is not reimbursed.

Medical expenses of self-funded patients (such as operating room expenses and hospitalization expenses of self-funded patients). )

Overseas medical expenses of cardholders

Non-clinical medical treatment and cosmetic surgery of beauty.

Medical insurance is not reimbursed.

Physical examination required by life insurance, pension management companies or other member institutions (such as insurance companies, employers or government agencies)

Most dental examinations and treatments

Physical therapy, rehabilitation, vocalization, vision therapy, massage, foot diseases and psychotherapy.

acupuncture and moxibustion

Glasses and lenses

Hearing AIDS and other equipment

Home care

Please adopt it. Thank you.