Do you need health insurance?


You’ve read that for your visa you have access to medicare – but what exactly does that mean for you?  The ombudsman explains: 

 Medicare is the basis of Australia’s health care system and covers many health care costs. You can choose whether to have Medicare cover only, or a combination of Medicare and private health insurance. Citizens and most permanent Australian residents are eligible for Medicare. The Medicare system has three parts: hospital, medical and pharmaceutical.

Hospital  Under Medicare you can be treated as a public patient in a public hospital, at no charge, by a doctor appointed by the hospital. You can choose to be treated as a public patient, even if you are privately insured. As a public patient, you cannot choose your own doctor and you may not have a choice about when you are admitted to hospital.

Medicare does not cover:

  • private patient hospital costs (for example, theatre fees or accommodation),
  • medical and hospital costs incurred overseas,
  • medical and hospital services which are not clinically necessary, or surgery solely for cosmetic reasons,
  • ambulance services.

Many choose to also opt in for private health insurance, because you can see Medicare will not cover everything.   There is further information about what medicare does not cover lower in this page.   I found private health insurance is frequently taken out by partner visa holders as many are at a time in their lives when their is the intent to start a family.  Families and health insurance seem to go hand-in-hand.

Which private health insurance provider?

Each and every time I cannot go past BUPA medical.  They are Immigration’s only chosen medical visa services provider.   I am registered with BUPA so that my clients receive clear cut information about immigration needs specifically.  In order to reach this particular service click on the image below only.

You will find everything you need to know by reaching Bupa via clicking on the above image. If you wish to obtain more information such as premiums now click on the relevant image link below.






Further detail about Medicare reimbursements and cover

When you visit a doctor outside a hospital, Medicare will reimburse 100% of the Medicare Benefits Schedule (MBS) fee for a general practitioner and 85% of the MBS fee for a specialist. If your doctor bills Medicare directly (bulk billing), you will not have to pay anything.

Medicare provides benefits for:

  • consultation fees for doctors, including specialists,
  • tests and examinations by doctors needed to treat illnesses, such as x-rays and pathology tests,
  • eye tests performed by optometrists,
  • most surgical and other therapeutic procedures performed by doctors,
  • some surgical procedures performed by approved dentists,
  • specific items under the Cleft Lip and Palate Scheme,
  • specific items under the Enhanced Primary Care (EPC) program,
  • specified items for allied health services as part of the Chronic Disease Management Plan.

Medicare does not cover:

  • examinations for life insurance, superannuation or memberships for which someone else is responsible (for example, a compensation insurer, employer or government authority),
  • ambulance services;
  • most dental examinations and treatment,
  • most physiotherapy, occupational therapy, speech therapy, eye therapy, chiropractic services, podiatry or psychology services,
  • acupuncture (unless part of a doctor’s consultation),
  • glasses and contact lenses,
  • hearing aids and other appliances.
  • home nursing.


Under the Pharmaceutical Benefits Scheme (PBS) you pay only part of the cost of most prescription medicines purchased at pharmacies. The rest of the cost is covered by the PBS. You must present your Medicare card to obtain this benefit.

The amount you pay varies with the medicine, up to a standard maximum. People with concession cards have a lower maximum payment.

Finance for your visa AND migration assistance now available!

Some of you are waiting for the right time to apply, and some of you are waiting for the funds to get started.  For you I am very excited to announce a new partnership I have established with Money for Jam and Migration Alliance.

This means you can obtain the necessary funds, with very impressive repayment amount requirements,  so you can get started as soon as possible for your visa application.

The key features are:

– Wide range of finance length
– No/Low early Termination fees
– Quick 24-48 turn around time
– Good/Bad Credit
– New to Country

What is amazing about this service is Money for Jam can take a look at any client on any visa or residency status!  I already have clients working out the finance contracts so they can now move forward and get what they truly want with far less stress.  I am simply elated for them and consider this to be a trouble free process.   They anticipate receiving the funds next Monday, only two days after applying.

Finance for $5000.00 may only  require $24 repayments per week, for $25,000 – may only required $110 per week.

And just a very important note, after attending a seminar for immigration law updates the message was loud and clear

If you have been watching the news you will now there is a lot of uncertainty now around visa pathways, now more than ever.   So take heed, if you are eligible now, do your best to apply now and of course with my help if you need it.

Take the time to look at what this new partnership offers you and your loved one, or perhaps a friend or colleague.    


Money for Jam are the finance experts – they will speak to you about this aspect of the visa application.

If you are concerned about eligibility for the visa book a  strategy session  with me as soon as you can.

If you haven’t already taken up our offer you are still eligible for a FREE 30 minute strategy session where we get clear on your goals and what is best for you in the immigration process.  If you don’t intend to take up this offer forward it onto a friend who could use the help.
Click on the blue box above  to make a booking!

Best wishes,