Healthcare in Australia for Brits

Australia and the UK both have robust healthcare systems that aim to provide high-quality care to their residents. However, there are some key differences between the two that are worth noting. In the UK, the National Health Service (NHS) provides comprehensive healthcare services that are generally free at the point of use, funded through taxation. Australia’s healthcare system, on the other hand, is a hybrid model that combines public and private healthcare services.

This article aims to answer common questions that Brits may have about healthcare in Australia, from understanding Medicare and how to enrol, to the ins and outs of private health insurance, and much more. Whether you’re planning a short-term visit or considering making Australia your new home, this guide is designed to help you navigate the healthcare landscape Down Under.

Medicare: Australia’s Public Healthcare System

Medicare is Australia’s publicly funded universal healthcare system. It provides free or subsidised coverage of essential medical services and prescriptions. All Australian citizens, permanent residents and some temporary visa holders are eligible.

What’s Covered

• Doctor visits – up to 85% of the scheduled fee is covered for GP visits and 75% for specialists
• Public hospital care – free treatment as a public patient. Private rooms have co-payments.
• Tests and scans – x-rays, blood tests, MRIs etc. are covered at 85%
• Prescription drugs – subsidised under the Pharmaceutical Benefits Scheme with capped co-payments

While Medicare offers substantial coverage, it doesn’t cover everything. For instance, dental care, most prescription medications, and certain specialist services may require out-of-pocket payments. This is a departure from the NHS, where such services are often covered without additional charges.

Eligibility and Access

For Australian citizens and permanent residents, healthcare is generally low-cost or free, thanks to funding through taxes. The reciprocal agreement also means Brits can get full Medicare benefits immediately upon arrival with a valid UK passport.

Residents contribute to the system by paying a 2% Medicare Levy on their income. This allows most patients to access medical services without direct fees and claim reimbursements if necessary. However, it’s important to note that not everyone in Australia is covered under this framework. Expatriates, such as international workers and students, typically have to pay for healthcare services out-of-pocket or through private insurance. Those not eligible for Medicare can apply for exemptions or reductions in the Medicare Levy, tailoring costs to their specific situation.

Out-of-Pocket Costs and Subsidies

Both systems have mechanisms to reduce or subsidise the cost of healthcare for their residents. In Australia, the Pharmaceutical Benefits Scheme (PBS) subsidises the cost of many prescription medications, while in the UK, prescriptions are free in some parts of the country and subsidised in others. However, Australians may encounter more frequent out-of-pocket costs, especially if they opt for services not covered by Medicare.

Some key out-of-pocket costs under Medicare include:

• GP visit – $50 on average, based on whether clinic bulk bills
• Specialist – $130 on average
• Hospital stay – $0 in shared room, private rooms have co-payments
• Prescriptions – up to $30 for general, $7.30 for concessional

There are annual caps on out-of-pocket costs. Concession card holders have lower costs.

Private Health Insurance: An Additional Layer

Many Australians also opt for private health insurance to supplement Medicare. Private insurance can cover services that Medicare does not, such as dental and optical care, and can offer quicker access to specialists and elective surgeries.

In addition to these benefits, the Australian government provides several incentives to encourage private health insurance uptake:

• Medicare Levy Surcharge: Those on salaries above $90,000 or families earning over $180,000 who do not have private health insurance are subject to an additional tax, the Medicare Levy Surcharge. This can range from 1% to 1.5% of their income, making private insurance a financially attractive option.
• Lifetime Health Cover (LHC): This policy encourages individuals to take out private insurance before turning 31. If you wait until after 30, you’ll incur a 2% loading charge annually for the first ten years. Therefore, starting a policy in your 20s can lead to significant savings over time.
• Government Subsidies: The government further incentivises private insurance by subsidising premiums up to 30%, reducing the cost burden on policyholders and making private health coverage more accessible.

These measures make private health insurance not only a supplement to public healthcare but also a financially savvy choice for many Australians.

Quality of Care

Both Australia and the UK are known for their high standard of healthcare, featuring well-trained medical professionals and state-of-the-art medical facilities. However, the experience of healthcare can differ, especially in terms of waiting times for specialist services and elective surgeries, which can be shorter if you have private insurance in Australia.

Healthcare in Rural Areas

Australia’s vast size presents significant challenges for its healthcare system, particularly in rural and remote regions. Patients in these areas often face limited healthcare options compared to those in urban centres. This disparity arises from the geographical spread, making it difficult to provide consistent and accessible healthcare services across the country.

In rural and remote regions, services may include smaller regional hospitals, clinics, and the Royal Flying Doctor Service for emergencies. Those moving to remote areas should research the availability of services to ensure they can access necessary care when needed.

The challenge of delivering healthcare in such expansive territories underscores the importance of innovative solutions and strategic planning to bridge the gap between urban and rural healthcare access.

The UK-Australia Reciprocal Health Care Agreement

One of the key aspects that can ease the transition from the UK to Australia in terms of healthcare is the Reciprocal Health Care Agreement (RHCA) between the two countries. This agreement allows UK citizens to access certain medical services in Australia through Medicare, without having to go through the full enrollment process that is required for permanent residents.

What Services Are Covered?

Under the RHCA, UK citizens are entitled to medically necessary treatments. This includes any treatment that you may require to prevent a medical condition from becoming worse during your visit. It covers emergency services, treatments that are immediately necessary, and any other medical care that cannot wait until you return to the UK.

How Do I Access These Services?

To access these services, you’ll need to enroll in Medicare, which can usually be done within a few days of arriving in Australia. You’ll need to provide identification and proof of your UK citizenship. Once enrolled, you’ll receive a Medicare card that you can present when accessing medical services.

Limitations of the RHCA

It’s important to note that the RHCA is designed for temporary visitors and does not provide the same level of coverage as full Medicare enrollment. For instance, it won’t cover you for treatments that are not immediately necessary, such as elective surgeries or general check-ups. Dental care, optical services, and most prescription medications are also not covered under this agreement.

Should I Still Get Private Health Insurance?

Given the limitations of the RHCA, many Brits opt for private health insurance to supplement their coverage. This is especially useful if you plan to reside in Australia for an extended period or if you require services that are not covered by Medicare. Private health insurance can also offer quicker access to specialists and elective surgeries, similar to private coverage in the UK.

What Happens If I Become a Permanent Resident?

If you transition from a temporary visitor to a permanent resident, you’ll be eligible for the full range of Medicare services, just like any Australian citizen. At this point, the RHCA will no longer apply to you, and you’ll need to consider your healthcare options as a permanent resident, which may include opting for private health insurance for additional coverage.

The RHCA offers a safety net for Brits moving to Australia, ensuring that you have access to essential healthcare services during your initial period in the country. However, it’s not a substitute for comprehensive healthcare coverage, especially if you plan to make Australia your long-term home. Therefore, understanding both Medicare and the private health insurance landscape becomes crucial for a worry-free stay.

Common Healthcare Questions for Brits Moving to Australia

What is Medicare and How Does It Differ from the NHS in the UK?

Medicare is Australia’s publicly funded healthcare system, similar to the NHS in the UK. It provides a wide range of healthcare services, from hospital care to general practitioners (GPs) and some specialist services. However, unlike the NHS, Medicare may require you to pay some out-of-pocket costs for certain treatments and services.

What are the Eligibility Requirements for Medicare and How Do I Enroll?

To enrol in Medicare, you generally need to be a resident of Australia. Temporary visitors from the UK can access Medicare under the Reciprocal Health Care Agreement (RHCA) for medically necessary treatments. Permanent residents can enjoy broader benefits. Enrolment can be done at a Medicare service centre, and you’ll receive a Medicare card once you’re registered.

What Services Are Covered Under Medicare and Are There Any Out-of-Pocket Costs?

Medicare covers a wide range of services, including hospital treatments, GP visits, and some specialist consultations. However, it doesn’t cover everything. Dental care, for instance, is generally not covered, nor are most prescription medications and alternative therapies like acupuncture. While many services are subsidised, you may still encounter some out-of-pocket costs.

Learn more about what’s covered here.

How Do Prescription Medications Work Under Medicare?

Prescription medications are partially covered under the Pharmaceutical Benefits Scheme (PBS), which is separate from Medicare. You’ll usually pay a co-payment, with the rest subsidised by the government.

Are Mental Health Services Covered by Medicare?

Mental health services are partially covered by Medicare. You can get a Mental Health Treatment Plan from a GP, which entitles you to subsidised therapy sessions.

Is Private Health Insurance Necessary if I Have Medicare?

While Medicare provides a solid foundation, many Australians opt for private health insurance for additional coverage. Private insurance can cover services not fully covered by Medicare, such as dental care, optical services, and private hospital stays.

How Do I Choose a Private Health Insurance Plan and Are Pre-existing Conditions Covered?

There are various providers and plans to choose from when looking at health insurance in Australia, so it’s advisable to compare options. Pre-existing conditions are generally covered after a waiting period, which varies by policy.

What Are the Costs of Private Health Insurance and Are There Any Rebates?

Private health insurance can be expensive, but the government offers a rebate to help offset the cost. Additionally, those who do not have private hospital cover may have to pay the Medicare Levy Surcharge at tax time.

Can I Transfer My UK Health Insurance to an Australian Provider?

Unfortunately, UK health insurance policies usually can’t be transferred to Australian providers, so you’ll likely need to take out a new policy in Australia.

How Do I Find a General Practitioner (GP) in Australia?

You can find a GP through local directories or recommendations. For specialist consultations, you’ll generally need a referral from a GP.

Is Emergency Care Free in Australia?

Emergency care is available to everyone, but there may be out-of-pocket costs if you’re not covered by Medicare or private insurance.

How Do I Get Referred to a Specialist?

For specialist consultations, you’ll generally need a referral from a GP.

What is the Standard of Hospital Care in Australia?

Both public and private hospitals offer high-quality care. If you have private insurance, you can choose your hospital and doctor, subject to policy conditions.

Is Ambulance Service Free or Covered by Medicare?

Ambulance services are not generally covered by Medicare and can be expensive. Some states offer subscriptions, or you can get coverage through private insurance.

How Does Maternity Care Work in Australia?

Maternity care is available through both public and private systems, with different costs and options.

How Do I Find a Dentist and Is Dental Care Covered by Medicare?

Dental care is generally not covered by Medicare and can be expensive. Private insurance can help offset these costs.

Does Medicare Cover Eye Exams and How Do I Get Prescription Glasses?

For optical care, Medicare covers some eye tests, but glasses and contact lenses are usually an out-of-pocket expense unless you have private insurance.

How Do I Access Mental Health Services in Australia?

Access to mental health services is available through both Medicare and private insurance. Support groups and organisations also exist for various mental health conditions.

How Do I Transfer My Prescriptions from the UK to Australia?

Transferring prescriptions from the UK involves consulting an Australian GP. Medications may have different brand names, and costs can vary.

Is Over-the-Counter Medication Readily Available and Do I Need a Prescription for Birth Control?

Over-the-counter medications are widely available, but some may require a prescription similar to in the UK.

What Kind of Travel Insurance Should I Get for Healthcare Coverage During My Initial Stay?

For short-term stays, travel insurance with healthcare coverage is advisable. The European Health Insurance Card (EHIC) is not valid in Australia, however, UK citizens can get healthcare when visiting Australia thanks to a reciprocal healthcare agreement between the UK and Australia.

Are There Any Healthcare Services for the Elderly?

Australia has a range of services for the elderly, including aged care homes and community services. Some of these are subsidised through Medicare, while others may require private insurance. Learn more about aged care on the Australian Government Department of Health website.

How Do I Get a Medical Certificate for Employment in Australia?

Medical certificates for employment can be obtained from a GP and are generally required for sick leave.

Is Cosmetic Surgery Covered by Medicare or Private Insurance?

Cosmetic surgery is generally not covered by Medicare or private insurance unless it’s medically necessary.

How Do I Complain About Healthcare Services or Appeal Decisions?

If you have complaints or wish to appeal healthcare decisions, various bodies exist to assist, including the Healthcare Complaints Commission, the National Health Practitioner Ombudsman. Complaints can also be submitted using the complaints form on the Department of Health website.

Are There Any Telehealth Services Available?

Telehealth services are increasingly available, especially for rural areas, and are partially covered by Medicare.

Where Can I Find More Information About Healthcare Policies and Rights in Australia?

For more information, you can consult the Australian Government’s Department of Health website or the Medicare website.

Moving to a new country is a big step, and understanding the healthcare system is crucial. While there are differences between the NHS and Medicare, Australia offers a range of options to keep you healthy.

Looking For An International Removals Company To Ship Your Belongings To Australia?

Once you’ve sorted out your visa and healthcare, one of the biggest tasks is shipping your household belongings to Australia. This process can seem daunting, but working with an experienced international removals company makes it straightforward.

1st Move International specialises in removals to Australia from the UK. We provide door-to-door shipping services to seamlessly transport your items. Our faster, weekly shipping ensures your belongings arrive quickly. We also use state-of-the-art packing materials and techniques to keep your items safe during transport.

With 1st Move International, you can ship everything from furniture and appliances to clothing and memorabilia without hassle. We handle customs clearance, port transfers, and delivery directly to your new Australian address.

Ready to get a quote or learn more? Simply complete the quote form here on our website or contact 1st Move International today to start planning your move to Australia. Our team is available by phone, email, or online chat to answer your questions and provide a competitive quote for removals services. We look forward to helping make your relocation down under easy!