Unit 2 AOS3 Flashcards

1
Q

What is Medicare?

A

A universal healthcare system that provides essential medical care to patients via their GP or hospital for little or no cost.

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2
Q

What is a schedule fee?

A

Cost decided by the government. The amount that Medicare contributes towards
certain consultations and treatments.

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3
Q

What is bulk billing?

A

When the doctor or specialist charges only the
Schedule fee.

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4
Q

What is covered by Medicare?

A
  • Doctors and specialists.
  • Diagnostic tests.
  • Eye tests by optometrists.
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5
Q

What is not covered by Medicare?

A
  • Ambulance services.
  • Dental services.
  • Glasses, contact lenses and hearing aids.
  • Cosmetic surgery.
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6
Q

Medicare safety net

A

Ensures that people who require frequent
services covered by Medicare, such as doctor’s visits and tests receive additional financial
support.

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7
Q

How is Medicare funded?

A

By the Australian Federal Government:
- Medicare levy. (additional 2% tax).
- Medicare levy surcharge. (People without private health insurance pay extra tax).
- General Taxation.

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8
Q

Advantages of Medicare.

A
  • Choice of doctor for out-of
    hospital services
  • Available to all Australians
  • Covers tests and examinations,
    doctors’ fees and some
    procedures such as X-rays and eye
    tests.
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9
Q

Disadvantages of Medicare.

A
  • No choice of doctor for
    in-hospital treatments
  • Waiting lists for many
    treatments
  • Does not cover alternative
    therapies
  • Often does not cover the full
    amount of doctor visits
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10
Q

Pharmaceutical Benefits Scheme (PBS)

A

Subsides the cost of a wide range of life-saving prescription medications.

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11
Q

How is PBS funded?

A

Commonwealth Government taxes.

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12
Q

What is Private Health Insurance (PHI)

A

Premium (fee) for payments towards medical health costs NOT covered by Medicare.

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13
Q

How is PHI funded?

A

Subsidised by public funds including a means-tested rebate.

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14
Q

What is covered by PHI?

A
  • Medicare will pay for 75% of doctors’ schedule fees.
  • Choice of doctor, own room and short waiting period in elective surgery.
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15
Q

How is PHI different to Medicare?

A

Medicare only covers the cost of your treatment as a public patient and a set range of non-hospital health services. Private health insurance can give you more choices about the type of health services used and more coverage for different types of services.

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16
Q

Incentives to take out PHI

A
  • PHI rebate; 30% rebate incentive.
  • Lifetime health insurance cover; After age 31 have to pay an extra 2% on premiums (PHI)
  • Medicare levy surcharge; People who earn $90,000 a year have to pay extra tax as a medicare surcharge (1-1.5%).
  • Aged based discount; 18-29 –> 10% discount.
17
Q

Advantages of PHI

A
  • Access to private hospitals
  • Assists the Australian
    government to address the
    increasing costs and burden on
    Medicare.
  • With extras cover people can
    access ancillary services
  • Shorter waiting periods
  • Choice of doctor
18
Q

Disadvantages of PHI

A
  • Costly for individuals and
    families
  • Out-of-pocket expenses for some
    services
  • Qualifying Waiting period for
    some services
19
Q

Who qualifies for the NDIS?

A
  • Aged between 9-65.
  • Have a permanent disability.
  • Australian Citizen.
20
Q

What does the NDIS provide?

A
  • Access to mainstream services.
  • Access to community services.
  • Maintain informal support.
  • Receive reasonable and necessary funding (Financial support).
21
Q

Australian Charter for Healthcare Rights.

A

Outlines the rights of patients, consumers and other people using the Australian healthcare system.

22
Q

Rights using the healthcare system:

A
  • Access; Right to Healthcare.
  • Safety; Recieve safe and high-quantity care.
  • Respect; Shown dignity, respect + consideration.
  • Communication; informed about treatment.
  • Participation; Included in decisions.
  • Privacy; Confidentiality of personal info.
  • Comment; comment on my care.