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St.Lukes gap cover

St.Lukes Gap Cover is designed to eliminate or reduce the 'gap' between the Medicare Benefits Schedule (MBS) fee and the doctor's charge for hospital inpatient medical services provided by a participating doctor. Select a heading below for more information.


Prior to the introduction of Gap Cover Schemes, medical charges for services provided in hospital could only be covered up to the Medicare Benefits Schedule (MBS) fee set by the Federal Government. If a doctor charged more than the MBS fee, the 'gap' would have to be paid by the patient.

In June 2000, St.LukesHealth introduced St. Luke's Gap Cover, a medical gap cover arrangement designed to eliminate or reduce the 'gap' or out-of-pocket expense on hospital in-patient medical services provided to eligible St.LukesHealth members by participating doctors.

St. Luke's Gap Cover provides a schedule of fees that doctors may choose to use when treating eligible St.LukesHealth members. A doctor who participates in the St. Luke's Gap Cover arrangement can participate either as a 'No Gap' provider, or as a 'Known Gap' provider. A 'No Gap' provider agrees to charge no more than the St. Luke's Gap Cover schedule fee, in which case there will be no gap or out-of-pocket expense for the patient. A 'Known Gap' provider agrees to charge no more than a specified known gap for each medical service, in which case the patient's out-of-pocket expense will be reduced.

Doctors who charge a 'known gap' under the St. Luke's Gap Cover arrangement, will be required to inform the patient of the out-of-pocket expense that applies to their treatment.

A key feature of the gap cover arrangement is a simplified billing process for services provided by participating doctors. The doctor can send patient accounts direct to St.LukesHealth for payment of both the Medicare benefit and the Fund benefit. Patients treated by a 'No Gap' participating doctor, will not receive an account for services provided by that doctor. Patients treated by a 'Known Gap' participating doctor, will only receive an account for the agreed out-of-pocket charge. St.LukesHealth will send a statement of benefit paid to the patient in both circumstances.

Some doctors may still choose to give their account direct to the patient. If they do they will also provide a St. Luke's Gap Cover claim form which must be presented to St.LukesHealth with the account for payment of Medicare and Fund benefit. The account should not be submitted direct to Medicare.

Not all medical services provided during a course of hospital treatment will necessarily be covered by the St. Luke's Gap Cover arrangement. As doctor participation is voluntary, it is possible for only some services to be covered by the arrangement if multiple providers are involved in your treatment.

Participation in the St. Luke's Gap Cover arrangement remains the choice of the individual doctor. If your doctor does not participate in the arrangement and charges over the Medicare Benefits Schedule fee, you will have to pay the gap or out-of-pocket expense for the difference between the amount charged and the MBS fee. Patients using non-participating doctors will be billed directly by the doctor and will still be able to claim the 25% gap between the Medicare benefit and the MBS fee from St.LukesHealth.
 
St.LukesHealth members who have served their waiting periods on the following tables will be eligible for St.Luke's Gap Cover benefits when treated by a participating doctor:
 
 Plan name
 Plan code 
 Hospital Platinum - J
 Hospital 100, 200, 300, 400 & 500
 - J1 to J5  
 Hospital 1000 - JT
 Top private hospital with excess (closed) - K
 Pasplan and Status 85
 - P1 to P4  
 Packaged Basic
 - EP  
 Packaged 300 & 500
 - Z3 & Z5  
 Packaged Platinum Plus
 - ZP  

If your hospital cover is not included in those mentioned above, contact St.LukesHealth to discuss transferring to an eligible hospital table.
 
Only hospital in-patient medical services provided by a participating provider are eligible for St. Luke's Gap Cover benefit. Out-patient services or services provided to patients who are not formally admitted to an approved hospital or day hospital facility, will not qualify for St. Luke's Gap Cover benefit.
 
Where a member's level of hospital cover carries an excess, this excess will not apply to the St. Luke's Gap Cover benefit.
 
 
St.LukesHealth encourages all eligible members to check if their doctor participates in the St. Luke's Gap Cover arrangement before commencing hospital treatment. If your doctor does not have information about the arrangement, ask them to contact St.LukesHealth for details.
 
We also encourage members to check which other medical providers will be involved in their hospital treatment and whether they too will be participating in the gap cover arrangement.
 
A list of participating doctors is provided on this web site. Even if your doctor does not appear on this list they may still participate in St. Luke's Gap Cover.
 
If your doctor is a participating doctor you will need to provide them with your St.LukesHealth membership number.
 
If your doctor is not a participating doctor, ask them to consider billing you under this arrangement and ask what your out-of-pocket expenses are likely to be.


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