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When you receive medical treatment in hospital as a private patient, Medicare pays 75% of the Commonwealth Medicare Benefits Schedule (MBS) fee and Defence Health pays the remaining 25% of the MBS fee.

If your doctor charges above the MBS fee, Defence Health can help you minimise or avoid this out-of-pocket expense if:

• there is a no-gap-agreement between Defence Health and your doctor, or
• your doctor agrees to use Access Gap Cover schedule of fees.

You should ask your doctor whether they are willing to use Access Gap Cover to minimise or even eliminate your medical gap. It is your doctor's choice to use our gap cover plan.

Search a current list of doctors.

The number of doctors who have registered their details with Defence Health changes regularly.