HHD: Health system
what falls under Public sector
Public hospitals
medicare
PBS
NDIS
What falls under private sector
Private health insurance PHI
Private hospitals
docs in private hospitals
What is medicare
Australia universal health insurence scheme
Patient co payment
payment paid by person for services, the other amount is paid by mc (the difference)
Schduled fee by medicare
$38.75
Bulk billing
Doctors bill MC cost of consultation pays fees charged by the doctors for scheduled fees
What does medicare provide
Affordable basic health cover by fed gov
who can access medicare
All aus citizens, permident residents, people from another country in the deal NZ, UK, Ireland
goods and services covered by medicare
x rays
all costs for treatment
stay in Public hospital
goods and servies not covered by medicare
glasses
Ambulance
Stay in private hospital
Medicare safety net
once reached a limit finacial support by fed gov MC services become cheaper for the rest of the year. Resets within calander year.
out of hospital expenses
MC pays for all or some fees relating to healthcare servies like doctor visit fees
In hospital expesnes
Mc pays for treatment & accomandation in public hospitals
if person is in private hospital medicare pays for 75% of the fee
medicare levy
tax that funds medicare and health system pay 2% extra if you earn above 55k
General Tax
Genral tax for aussies from levy and levy surcharge doesn't fund all of medicare so a little goes to towards it
medicare levy surcharge
addtional tax if income exceeds a certan amount and if you don't have private health insurance
advantages of medicare
avaiable to all aussies
safety net so financial support
free healthcare in agreed countires
disadvanatges of medicare
long waiting lists
doesn't cover full amount of doc visits
no choice of doc in public hospital
Pharmacertical benifit scheme PBS
provide meds to people regardless of ability to pay subsidise costs meds
PBS patient co payment
you pay & gov pays the difference uno reverse card of medicare co payment
PBS safety net
once a person has spent a certain amount meds become cheaper
National disability insurance scheme NDIS
provides support for people with permanant/signifcant disability funded by fed and state gov and terrtiory
Aim of ndis
for people with disabilty to live normal lives
How ndis is funded
fed, state and territory govs
1.5% of income goes to NDIS
requiments to meet NDIS
age 7-65
must live in aus/citizen/perm visa
disabilty must be lifelong or have big impact on life
NDIS assisted tech
wheel chair
prostectic arm/leg
NDIS plan
planned goals now and future like employment, better h&wb. Person can manage plan by themselves or NDIS do it on their behalf
What NDIS help people access
access to mainstream services andsupport: like teachers, public housing, public housing
Funding witin reason: each plan must reasonable & necassry tech like wheel chairs
Private health insurance
optional type of insurance which members pay premiums in return for payments towards health costs not covered by mc
why private health insurance is important for aus
give choice to health care
less burden on public health system
choice of extras dental, physio, provide funds in health system
How Private health insurance is funded
premiums people pay for PHI
medicare pays 75% of schduled fee
doctor/speciilists, in private hospitals
what Private health insurance covers in goods and services
accomendation/treatment in private hospitals
extras dental, chiro, glasses
4 incentives fed gov use to make people get private health insurance
PHI rebate: amount gov pays towards your PHi fees up to 30%
lifetime health cover: take out PHI before 31 pay 2% instead of 20% for every year over 30
Age based discount: get 2% of hospital cover if 18-20 for every year your under 30 up to 10%
Medicare levy surcharge: if you have phi don't pay Mls
Advantage of PHI
high income earners dont pay mls
shorter waiting times
choice of doc in pub or priv hospital
disadvantages of PHI
costly for prieumums
confusing to understand