Gap Cover

At Melbourne Gallbladder Surgery Centre we still believe you should be out of pocket as little as possible when you have surgery. All surgery booked and performed prior to May 1 2024 for the included funds will continue to be performed on a no gap basis.

All surgery performed on DVA and Workcover patients will be on a NO GAP Basis.

For all other patients, surgery booked to be performed after May 1 2024, there will be an out of pocket payment required. 

We provide affordable surgery to all Patients without private insurance. Please call or email for a quote

A ‘medical gap’ is any out-of-pocket expense incurred by a patient for their medical treatment during their stay in hospital. This reflects the difference between the total fee charged by the doctor and any Medicare rebate plus health fund benefit. Our surgeons have a gap cover arrangement with the following health funds in place which will cover most of your surgeon’s charge, you will have to contribute a small amount towards the surgeon’s bill out of your own pocket.

Unfortunately Latrobe Health services does not have a No Gap scheme. As such there will be a larger gap charged to equalise the amount to that paid by ALL other health funds.

Unfortunately HCF has chosen to significantly CUT their payments made for some item numbers, as such from November 1 2021 they are NO LONGER A NO GAP FUND. There will be an out of pocket cost for procedures. 

Please see the list below which provides more details on gap cover by each health fund

Fund	Link
ACA Health Benefits Fund	http://www.acahealth.com.au/
ahm Health Insurance	https://ahm.com.au/
Australian Unity Health Limited	http://www.australianunity.com.au/
Bupa Australia Pty Ltd	http://www.bupa.com.au/
CBHS Health Fund Limited	http://www.cbhs.com.au/
CDH Benefits Fund	http://www.cdhbf.com.au
Central West Health Cover	http://centralwesthealth.com.au
CUA Health Limited	https://www.ahsa.com.au/GapCover/
Defence Health Limited	http://www.defencehealth.com.au/
Doctors’ Health Fund	http://www.doctorshealthfund.com.au/
GMF Health	http://www.gmfhealth.com.au
GMHBA Limited	http://www.gmhba.com.au
Grand United Corporate Health	http://www.ahsa.com.au/GapCover/
HBF Health Limited	http://www.hbf.com.au/health-insurance/
HCF	http://www.hcf.com.au
Health Care Insurance Limited	http://www.hciltd.com.au
Health Insurance Fund of Australia Limited	http://www.hif.com.au/
Health Partners	http://www.healthpartners.com.au/HospitalCover/
health.com.au	http://www.health.com.au
Latrobe Health Services	http://www.latrobehealth.com.au
Medibank Private Limited	http://www.medibank.com.au/
Mildura District Hospital Fund Ltd	http://www.mdhf.com.au
National Health Benefits Australia Pty Ltd (onemedifund)	http://www.onemedifund.com.au
Navy Health Ltd	http://navyhealth.com.au/
NIB Health Funds Ltd.	http://www.nib.com.au/
Peoplecare Health Insurance	http://www.peoplecare.com.au/
Phoenix Health Fund Limited	http://www.phoenixhealthfund.com.au/
Police Health	http://www.policehealth.com.au/
Queensland Country Health Fund Ltd	http://www.qldcountryhealth.com.au
Railway and Transport Health Fund Limited	http://www.ahsa.com.au/search/
Reserve Bank Health Society Ltd	http://www.myrbhs.com.au
St.Lukes Health	http://www.stlukes.com.au/
Teachers Health Fund	http://www.teachershealth.com.au/
Transport Health Pty Ltd	http://www.transporthealth.com.au/
TUH	http://www.tuh.com.au/
Westfund Limited	http://www.westfund.com.au/health-services/

Terms and conditions:

*You may have a health fund excess depending on your policy.
*Some anaesthetists do charge a gap.
*Australian Unity Has no gap cover scheme for Members on Basic Hospital (B1, YB2), Smart Start (LB), Care ‘N Share (BA), Budget Hospital (B2), Basic Starter (YCA) and Basic Saver (YCB)
*HCF members will have a gap payment
*Combined Cases (involving multiple surgeons eg plastic surgeons) may incur a co-payment. This will be discussed with you and full financial consent obtained before your procedure.