health and human aos2 Flashcards
medicare
Australia’s universal health care system, medicare helps to provide accessible and affordable health for all Australians to improve health outcomes.
medicare safety net.
medicare safety nets provide extra financial assistance for those that incur significant out-of-pocket costs for Medicare services. once an amount of out-of-pocket costs is reached further financial support is provided making Medicare services cheaper.
medicare safety net.
medicare safety nets provide extra financial assistance for those that incur significant out-of-pocket costs for Medicare services. once an amount of out-of-pocket costs is reached further financial support is provided making Medicare services cheaper.
what does Medicare cover?
out-of-hospital expenses, such as GP visits, Xrays, blood tests, and also eye tests performed by an optometrists.
what is not covered by Medicare?
ambulance services, private hospitals (medicare will pay up to 75%) home nursing care or treatment.
advantages of Medicare.
available for all Australian citizens, a medicare safety net, low-income earners do not pay medicare levy, promote equitable access to health care.
disadvantages
no choice of doctor for in-Hospital treatment, waiting lists for many treatments, not covering alternative therapies, and high-income earners paying the higher levy.
how funded is Medicare funded?
medicare is funded through three sources of income, Medicare levy, which is an additional 2% tax placed on taxable income. Medicare levy surcharge, which is an additional 1-1.5% on top of Medicare levy if they don’t have private health insurance and general taxation.
The Pharmaceutical Benefits Scheme
the pharmaceutical benefits scheme subsides the cost of some prescription medications, providing Australians with access to necessary and cost-effective medicines at an affordable price.
national disability insurance scheme
NDIS provides services and support for people with permanent, significant disabilities and their families and carers.
NDIS eligibility
to be eligible for the NDIS, a person must be aged 65 and meet both the residency and disability requirements. be an Australian citizen or hold a permanent visa or a protected special category visa.
- you have an impairment or condition that is likely to be permanent.
- your impairment affects your capacity for social and economic participation.
NDIS individuals plan
access mainstream services and supports - doctors, public housing.
access community services and support - sports clubs, community groups, or libraries.
maintain informal support- support from family and friends (not paid for)
receive reasonable and necessary funded support - relating to the individual’s disabilities and are required for them to live an ordinary life.
private health insurance.
is an additional insurance, which can be purchased on top of Medicare, in which you pay a premium (fee) for health-related costs not covered by Medicare.
private health insurance incentives.
private health insurance rebate
- the more you earn the less you get back.
- generates much needed funds for the health care system
- increases the affordability of PHI
- takes the pressure off public hospitals, especially for elective surgery.
private health insurance incentives
lifetime health cover.
- encourages people to take out PHI earlier in life and to maintain their cover.
- maximum loading is 70%
- once the person holds PHI for 10 consecutive years the loading is removed.
