hhd sacn3 Flashcards
(20 cards)
Medicare
Australia’s universal healthcare system that provides free or subsidised treatment for all Australians.
What does Medicare cover?
- Doctor and specialist consultation fees
- Most surgical and therapeutic procedures by GPs
- Free treatment and accommodation in public hospitals
What does Medicare cover?
- cosmetic or unnecessary procedures
- Ambulance services
- In-home nursing care or treatment
schedule fee
amount that Medicare will contribute for procedure.
Medicare Safety Net
Allows people to pay less for medical treatment once certain amount is paid for medical care in a year
How is Medicare funded?
Medicare levy
Medicare levy surcharge
general taxation.
Medicare levy
Medicare levy surcharge
Additional 2% tax for most taxpayers.
1–1.5% extra tax for Individuals earning over $97,000 without private health insurance, depending on their income level.
S
A
F
E
Sustainability: Ensures ongoing, high-quality care through efficient resource use and future planning.
Access: Provides affordable, local, and culturally appropriate healthcare.
Funding: Covers hospitals, services, medicines, and programs.
Equity: Gives extra support to disadvantaged groups.
Advantages and Disadvantages of Medicare
Advantages:
- For all Aus CItizens
- Choice of doctor for out-of-hospital services
-Covers tests & examinations, doctors & specialists fees
Disadvantages:
- Waiting lists for many treatments.
- Does not cover alternative therapies
- No choice of doctor for in-hospital
treatments
PBS
Federal Government program that provides subsided medicines for all Australians.
January 1, 2021 co-payment for most PBS- subsidised medication was $31.60 or $7.70 for concession card holders.
When recommending a medicine for listing, the PBAC takes into account :
medical conditions for which medicine was registered for use in Australia,
its clinical effectiveness,
Safety
cost-effectiveness (‘value for money’) compared with other treatments.
NDIS
Provides services and support for people with permanent, significant disabilities, and families/carers.
NDIS Eligibility Criteria:
- age (under 65),
- residency (live in Australia and be citizen or hold permanent visa)
- disability requirements.
What Does it Fund?
Access mainstream services and supports
Access community services and supports
Maintain informal support arrangements
Receive reasonable and necessary funded supports
Access mainstream services and supports
Access community services and supports
Maintain informal support arrangements
Receive reasonable and necessary funded supports
All Australians can use public services like healthcare, education, housing, justice, aged care.
People connect socially through community activities like sports, libraries, charities, local support groups.
Unpaid help from family and friends provides essential emotional, physical, or practical everyday support.
NDIS funds essential disability-related supports like carers, assistive technologies, and tools for independent living.
Private Health Insurance
Additional insurance under which members pay premium in return for payment towards health-related costs not covered by Medicare.
Private Health Insurance Contribution to Health Care:
Private hospitals provide third of all hospital beds and 40% of hospital separations.
Incentives to promote Private Health Insurance:
- Medicare levy surcharge:
- Age based discount:
- Private Health Insurance Rebate:
- Lifetime Health Cover:
- Medicare levy surcharge:
- Age based discount:
- Private Health Insurance Rebate:
- Lifetime Health Cover:
Medicare levy surcharge:
Encouraging high income earners to take out private health insurance.
Age based discount:
Encourages young adults to get private health insurance by offering up to 10% premium reductions.
Private Health Insurance Rebate:
Rebates vary by income, age, and family status, offering up to 25% to eligible individuals and families.
Lifetime Health Cover:
People who don’t get hospital cover by July after turning 31 may pay 2% extra per year without cover, 70% max loading on premiums.
Advantages and DIsadvantages of PHI
Advantages:
- Enables access to private hospital care
- Choice of doctor while in public or private
hospital
- Shorter waiting times for some medical
procedures
Disadvantages:
- Costly in terms of premiums that have
to be paid
- Qualifying periods apply for some
conditions
- Policies can be complex to understand
and so create confusion
