FeesWe do our best to make sure that every patient knows what to expect when it comes to the fee for their anaesthetic. As soon as we receive information about the date and plan for your surgery, we prepare a detailed estimate of the fee for the anaesthetic, and if the fee will not be completely paid by insurance, we send you a written estimate including the expected out-of-pocket amount: the amount you will have to pay. If there is only a very short time before surgery, we may need to give the estimate over the phone or in person.
The actual fee and the out-of-pocket cost may depend on the time taken for the operation (which may be longer or shorter than the estimate) and the particular rules of each insurance company, so while we do our best, we also provide the particular billing codes ("item numbers") we expect to use so that you can also check with your insurance company yourself.
GapsMany patients will have an out-of-pocket expense, also called a "gap". The size of the gap depends on the fee charged for the anaesthetic and also on the particular rules of your insurance company. Some companies have much more generous rules than others, which can mean a difference of hundreds of dollars on the cover they will provide for a particular anaesthetic bill. While we cannot give you advice about what insurance cover you should buy, you should feel free to talk with your anaesthetist about the cover your insurance is providing. Switching between insurance companies while maintaining the same type of cover typically does not involve any penalty or waiting period.
More InformationA detailed explanation of rebates and gaps.
The Private Health Insurance Ombudman provides more information about Informed Financial Consent on the PHIO website.
The Commonwealth Government provides a comprehensive site for comparing health insurance products at PrivateHealth.gov.au.