What are the medical insurance requirements for Australian immigrants?

If you live in Australia, have you ever thought about whether it is enough to have a Medicare universal health insurance or buy an extra private medical insurance? Now let me help you analyze the basic structure of the Australian medical insurance system, so that you can fully understand the various medical services that can be provided to you.

How does Medicare universal health insurance provide protection?

In Australia, Medicare universal health insurance benefits the whole people and everyone, aiming at providing free medical services for every Australian. The Medical Insurance Benefit Plan (MBS) specifies in detail the items of medical services reimbursed by medical insurance for its clients and the reimbursement standards for each medical service.

However, in order to ensure that the medical insurance public health care system has sufficient funds, when your income exceeds a certain level, you will be subject to medical insurance tax (in 20 17, everyone who has not retired will have to pay medical insurance tax as long as their annual income exceeds $265,438+$0,655). Medical insurance tax is a small tax levied according to your income (usually 2%), and the tax revenue will be directly used to support the operation of Medicare universal health insurance.

If you are a high-income group with an annual income of more than $90,000, and you have not purchased the "appropriate level of private hospital insurance", you must start to pay the medical insurance surcharge. The medical insurance surcharge can be paid at the tax time every year and will be automatically deducted from your tax. According to your income, the relevant tax rates of medical insurance surcharge are as follows:

90,065,438 US dollars +0 Australian dollars-65,438 US dollars+005,000 Australian dollars: you pay 1% of the taxable income.

65438 USD+005,001AUD-65438 USD+040,000 AUD: you pay 1.25% of the taxable income.

$140,001and above: you pay 1.5% of the taxable income.

What are the main aspects of the coverage of Medicare universal health insurance? If I go to the hospital, what protection will Medicare provide for me?

If your illness meets the requirements of using Medicare's national health insurance, in case of emergency, you can go to a public hospital as a publicly-funded patient and get corresponding treatment according to the severity of your illness, and the medical expenses will be borne by Medicare.

However, some expenses are not covered by the national health insurance. For example, ambulance fees are not guaranteed, and you can't choose your own doctor. In Australia, you can only enjoy universal medical insurance.

If I go to see a general practitioner, what protection does medical insurance provide for me?

See how much the general practitioner's expenses can be reimbursed through Medicare universal health insurance, and see whether the general practitioner charges through universal health insurance transfer or through universal health insurance plus personal payment.

The transfer fee for universal medical insurance means that the universal medical insurance will reimburse the patients for the fees specified in the Catalogue of Medical Guidance Fees according to the ratio of 100%-the fees specified in the Catalogue of Medical Guidance Fees are the medical service guidance prices set by the government. In other words, if the general practitioner you see transfers fees through universal health insurance, then you don't have to spend a penny yourself. Medicare universal health insurance will not only pay for your general practitioner's medical services, but also will not charge you management fees or registration fees.

Some general practitioners charge more than the guidance price stipulated in the list of medical guidance fees, because they think the medical services they provide are more valuable-this means that you may have to pay for the medical services of general practitioners out of your own pocket first, and medical insurance can only reimburse you for part of the registration fee later.

If you are not sure whether your general practitioner is charging the medical insurance transfer fee or charging a price higher than the guidance price in the medical guidance fee list, call your general practitioner and ask!

What protection does Medicare provide for me when I buy drugs from the pharmacy?

According to the Drug Benefit Plan (PBS), most prescription drugs purchased in pharmacies can receive government subsidies. Show your medical insurance card at the counter and you will automatically enjoy the drug discount!

What medical services does Medicare not cover?

Medicare does not cover certain medical services, including:

Dental examination and treatment

Overseas medical treatment

Non-emergency/cosmetic surgery

Non-clinically necessary medical services and hospital services

Most physical therapies

Functional therapy

psychotherapy

Chiropractic therapy

needle therapy

Cost of frame glasses and contact lenses.

Hearing aid fee