Private Health Insurance

3 February 25

What happens to billing of a private patient in a public hospital who undergoes solid organ (other than kidney) transplantation? There is no MBS item billable for this so it can’t be billed to the patient’s private insurance, so can the hospital just change them back to public or does the patient have to be involved in that decision? Follow-up question asked. This updated context was provided. I think the situation is a bit more complex because it is not correct that patients are aware at the time of admission that they require a solid organ transplant, unless they are admitted to hospital from a transplant waiting list. A significant proportion of liver, heart, lung transplant patients are admitted to hospital with an infection, poisoning or trauma, that eventually leads to irrecoverable organ failure and a requirement for transplantation – sometimes months into the admission. If we follow the logic in your answer, anyone who has any chance of developing end stage organ failure that could be then eligible for a transplant should be admitted by default as public, which would be counterintuitive. So to be more specific, the question would be this: How should a hospital and clinicians approach a situation when a patient admitted with an acute condition (NOT previously on a transplant list) develops end stage organ failure and requires liver, heart, lung, etc transplantation during the course of their hospital admission (a good example would be a community acquired pneumonia or chest trauma leading into complicated...

8 December 24

I’m working as a surgical assistant. I sometimes charge the patient a gap. My registration with each fund is ‘known gap’. As an example – Bupa pays $386 for assisting a 49518. I want to charge the patient $100 gap. Do I need to charge the fund $486? and then charge the patient $100 or do I charge the fund $386 (under their known gap scheme flag) and separately bill the patient $100. I’m confused about split billing – what is allowed and what isn’t allowed and where we can charge the fund only their known gap scheme amount and where we have to charge the fund the entire amount or whether this is actually what’s always needed? 

28 October 24

This question came from a consumer. I am an inpatient in a private mental health unit in a private hospital. I am under an inpatient psychiatrist. While I am an inpatient, I have a telehealth review consultation booked with an outpatient psychiatrist who is known to me. I also have a review consultation with an outpatient specialist in person, and a review consultation in an outpatient clinic at a public hospital. I am allowed to leave the private hospital to attend the in-person consults and will then return. But I have heard that these services can’t be bulk billed. I am a pensioner so cannot afford private fees.

3 October 24

The question was posed in the context of public hospital outpatient services where clinicians can bulk bill when exercising a Right of Private Practice providing all other criteria are met. The questioner wanted to know how they easily determine which item numbers should be claimed at 75% and which 85% because the Private Health Insurance (Benefit Requirement) Rules do not seem to include some MBS item numbers that are relevant to outpatient services and normally claimed at 85% of the schedule fee, such as telehealth and face-to-face consults, and the associated bulk bill incentives.

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