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- 2025 Plans & Rates
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Gap costs refer to the difference between the standard Medicare rebate (85% of the schedule fee) and the actual fee paid, but limited to 100% of the schedule fee. The threshold applies for all Medicare cardholders and is $576.00 for 2025.
Medibank began as an Australian Government private health insurance scheme, established by the Whitlam government in 1975 through the Health Insurance Commission. [4] In its original form, it was a universal health insurance programme funded through taxation, that also ensured free treatment at public hospitals and provided subsidies to private hospitals.
Medibank was set up to provide competition to private "for-profit" health funds. Although formerly government-owned, the fund operated as a government business enterprise from 2009 until it was privatised in 2014, operating as a fully commercialized business paying tax and dividends under the same regulatory regime as do all other registered ...
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To maintain its community service role in this new environment, HCF introduced its Multicover plan from 1 July 1975, providing cover for the medical "gap" (the difference between the Medibank benefit and the Schedule Fee) and for a wide range of other health care services, such as dental, optical, physiotherapy, home nursing and overseas health ...
The largest private health fund by premium is Bupa, which is owned by Bupa UK, a not for profit entity. The next largest private health provider is Medibank Private , which was owned by the Government of Australia , but was privatised in 2014–15.