Using your hospital cover
Find a specialist
To reduce your out-of-pocket costs, we have agreements with more than 37,000 doctors across Australia. This is called Access Gap. Search here to see if your doctor has taken part in our Access Gap in the past. Remember, it is the personal choice of the doctor whether they participate in Access Gap and they can decide on a case-by-case basis.
Access Gap is a scheme to reduce your out-of-pocket doctor expenses. First you need to ask your doctor if they participate. If they do, we pay them more than the Medicare Benefit Schedule fee – resulting in lower or no out-of-pocket expenses for you.