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When you need to see a gp or a medical specialist do you pay with cash or use a card?

Here in Australia everyone has a 'Medicare' card and you're asked to provide it when paying for any Gp or medical specialist service, then the government gets to record the interaction in a database and you get 'refunded' the 'basic fee' (which is usually much less than what you're actually getting charged).

To 'pay' you are expected to then present a debit or credit card which is run through the medical EFT POS terminal which takes the full amount out, and then you get the medicare amount re-credited.

But if you want to pay with cash, you get very confused looks as you are 'bypassing' the electronic systems. 8-) Should you pay the *full* amount, or only the 'gap' amount (the extra you're being charged above the 'standard fee')? To get the medicare amount refunded, you then have to fill in a form and send (by mail) or use a smartphone app. It's made to be *deliberately* difficult.

How does paying for a GP or specialist medical service work where you live?
JimboSaturn · 51-55, M
I can't even imagine having to pay a GP, medical specialist, or anything. In Canada, we just provide a health card and everything is free. You do have to pay for some things and ambulances.
JimboSaturn · 51-55, M
@zonavar68 That sucks! There are forces here that want to become more American too. For dental our system is really two tier, if you work in an office and have a certain kind of job, your work provides, but if you have a service industry job, you don't have anything and you need it the most.
That's because insurance companies make money from covering young people because they rarely go to the doctor, so if if they don't have it by 30 they're not going to make as much. @zonavar68
zonavar68 · 51-55, M
@Spoiledbrat Probably on the money I'd say. It's pretty sad that dental has never been covered by Medicare here, and almost nobody has any sort of healthcare provided through their employer (except the military, and some US companies operating in Australia).
HumanEarth · 56-60, F
I won't go, I go to the library and get book. Then study medical and treat myself to save money.
We have a co pay and it's different for everyone depending on their insurance company and coverage
Quimliqer · 70-79, M
Covered by the government..
MarineBob · 56-60, M
Normally a bottle

 
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