Gap cover doctors

A 'medical gap' is any out-of-pocket expense incurred by a patient for their medical treatment during their stay in hospital, reflecting the difference between the total fee charged by the doctor and any Medicare rebate plus health fund benefit. Unless your health fund has a gap cover arrangement in place with your doctor which will cover all of your doctor's charge, you will have to contribute towards the doctor's bill out of your own pocket.

It is important that you contact your health fund before you receive hospital treatment, where possible, to check whether your doctor is participating in the fund's gap cover arrangements. You should also ask your doctor(s) how much you will have to pay over and above your insurance cover. It is up to the doctor to decide on a case-by-case basis whether he or she wishes to use a fund's gap cover arrangement.

Some funds have specific information on their site, or you may have to contact them to obtain details of their gap cover arrangements.

Fund	Link
ACA Health Benefits Fund	http://www.acahealth.com.au/provider_search
Australian Health Management	http://www.ahm.com.au/content/accessgapcover.asp?Type=Frameset
Australian Unity Health Limited	http://www.australianunity.com.au
Bupa Australia Pty Ltd - ANZ Health Insurance	InsurerDetails.aspx?code=BUP
CBHS Health Fund Limited	http://www.cbhs.com.au/membership/find-a-provider/access-gap-doctor-search.aspx
CDH Benefits Fund	http://www.cdhbf.com.au
Central West Health Cover	http://centralwesthealth.com.au
CUA Health Limited	https://www.ahsa.com.au/web/gapcoversearch
Defence Health Limited	http://www.defencehealth.com.au/dhlwebsite/HospitalCover/Goingtohospital/Findadoctor/tabid/228/Default.aspx
GMF Health	http://www.gmfhealth.com.au/faq.php#medicalgap
GMHBA Limited	http://www.gmhba.com.au
Grand United Corporate Health	http://www.ahsa.com.au/GapCover/DoctorSearch.asp
HBA - Bupa Australia Pty Ltd	http://www.hba.com.au
HBF Health Limited	http://www.hbf.com.au/Health/Find_a_provider.html
HCF (Hospitals Contribution Fund of Australia Limited)	http://www.hcf.com.au
Health Care Insurance Limited	http://www.hciltd.com.au
Health Insurance Fund of W.A. Limited	http://www.hif.com.au
Health Partners	http://www.healthpartners.com.au/HospitalCover/Providers/DoctorSearch/tabid/69/Default.aspx
Latrobe Health Services	http://www.latrobehealth.com.au
Manchester Unity Australia Ltd	http://www.manchesterunity.com.au/Site/contentPublic/index.asp?intCMSID=429
MBF - Bupa Australia Pty Ltd	http://www.mbf.com.au
Medibank Private Limited	http://medibank.com.au
Mildura District Hospital Fund Ltd	InsurerDetails.aspx?code=MDH
Mutual Community - Bupa Australia Pty Ltd	http://www.mutualcommunity.com.au
National Health Benefits Australia Pty Ltd (onemedifund)	http://www.onemedifund.com.au
Navy Health Ltd	http://navyhealth.com.au/providers/hospital-search/
NIB Health Funds Ltd.	http://www.nib.com.au/home/onlineservices/claiming/Pages/medigapproviders.aspx
NRMA Health Insurance - Bupa Australia Pty Ltd	http://www.nrma.com.au
Peoplecare Health Insurance	http://www.peoplecare.com.au/doctorsearch.shtml
Phoenix Health Fund Limited	http://www.phoenixhealthfund.com.au/doctorsearch.asp
Police Health	http://www.policehealth.com.au/doctorsearch.html
Queensland Country Health Fund Ltd	http://www.qldcountryhealth.com.au
Railway and Transport Health Fund Limited	http://www.ahsa.com.au/search/
Reserve Bank Health Society Ltd	InsurerDetails.aspx?code=RBH
SGIC Health Insurance - Bupa Australia Pty Ltd	http://www.sgic.com.au
SGIO Health Insurance - Bupa Australia Pty Ltd	http://www.sgio.com.au
St.Lukes Health	http://www.stlukes.com.au/private-health-insurance/medical-providers/gap-cover-medical-providers.aspx
Teachers Federation Health Ltd	http://www.teachershealth.com.au/Default.aspx?tabid=76
Teachers' Union Health	http://www.tuh.com.au/content/?id=162
The Doctors' Health Fund	http://www.doctorshealthfund.com.au/site/frames/docsearchFrame.jsp
Transport Health Pty Ltd	http://www.transporthealth.com.au/index.php?p=hi_participating_providers&displaymode=hi_specialists
Westfund Ltd	http://www.westfund.com.au/our-health-services/doctor-search