Chapter 10-11 Flashcards
Medicare - Def
Australia’s universal healthcare insurance scheme.
Aims to provide access to basic healthcare in the public sector.
Medicare - General Taxations
Income collected through general taxation tax of all Australians.
Medicare - Advantages
Reduces cost of essential medical services.
Available to all Australians
Choice of doctor outside of hospitals.
Medicare - Disadvantages
Waiting lists for treatments.
No choice of doctor in hospital.
Often doesn’t cover full cost of doctor visits.
Medicare - Covered
X-rays.
Eye tests.
Some dental for children.
Procedures performed by GP’s.
Medicare - Not Covered
Treatment in private hospitals.
Alternative treatments.
Ambulance services.
Private Health Insurance - Def
Type of insurance where members pay a premium in return for payment for health-related costs not covered by Medicare.
Private Health Insurance - Lifetime Cover
A 2% surcharge for ever year an individual does not take out private health ionsurance after the age of 30.
Private Health Insurance - Levy Surcharge
1% to 1.5% levy surcharge for high income earners who don’t have private health insurance.
Priavte Health Insurance - Rebate
Policy holders recieve a 30% refund on their premiums for private health insurance.
Private Health Insurance - Advantages
Enable access to private hospitals.
Shorter waiting lists.
Choice of doctor in hospitals.
Private Health Insurance - Disadvantages
Expensive.
Pay the GAP.
Qualifying periods apply for some conditions.
PBS - Def
Key component of the federal governments contribution tot he health system. Subsideses most prescriptions medicines bought at the pharmacy.
PBS - Advantages
Subsidises the cost of prescription medication.
Lower cost if you have a concession card.
Over 5000 brands of medicine is covered.
PBS - Disadvantages
Not everything is covered.
Medications are only subsidised for specific therapuetic use.
May have to pay more than the co-payment for prescriptions.
