All orthopaedic surgeries are covered by a Medicare item number. These numbers have an associated rebate. The government (Medicare) determines this rebate, and the private health insurance companies supplement these rebates.
Recently Medicare rebates have not increased in line with indexation, and there is a discrepancy between the rate recommended from the Australian Medical Association (AMA) and each private health insurance. The AMA is the national medical association that analyses the current costs for running safe private practice indexed to the consumer price index with fair and reasonable fees for surgeons. Typically, Dr Eardley-Harris charges a percentage of the recommended AMA fee depending on the procedure
This does mean that even if you have top hospital private health insurance, only part of the surgical fee is covered by Medicare and your Private Health Fund. The remainder of the fee is the out-of-pocket cost or "gap". The out-of-pocket gap can be vastly different depending on your choice of private health fund and level of cover. There are many health insurance "junk policies" that allow tax avoidance for the user but only cover restricted in-patient services and may have "exclusions" for certain surgeries. The most common exclusion is joint replacement due to the large cost of the prosthesis for the health insurance company.
See the links on this page for more information.
After booking your surgical procedure, you will be given an informed financial consent.
The financial consent documentation will issue full transparency of the surgical fee and expected out of pocket costs. This will be available for you pre-surgery in the case of planned surgery, allowing you to check you are covered for the procedure from your private health provider. Please note that this does not include the fees for the other health professionals involved in your care who will set their own fee, for example anaesthetist fees for anaesthetic, hospital fees for prosthesis/inpatient care, or assistant surgeon fees for surgical assistance.
Patients without insurance are still able to select their surgeon and have surgery performed in a private hospital by Dr Eardley-Harris, however the costs that would normally be covered by the health insurance company are instead covered by the patient, including the prosthesis and implants used. This requires a quote from the hospital and the prosthesis companies for the expected surgery. The surgeon's fee is the same whether you are insured or not and is still rebated by Medicare.