Looks like your browser might not play nicely on our website. Try Chrome, Edge, Firefox or Safari for superior performance.
Just a heads up that we are doing some maintenance to our website and app on Sunday.Learn more
Using your hospital cover
Find a doctor
To reduce your out-of-pocket costs, we have agreements with more than 36,000 doctors across Australia. This is called Access Gap. Search below to see if your doctor has taken part in our Access Gap in the past. Remember, it’s the personal choice of the doctor whether they participate in Access Gap and they can decide on a case-by-case basis.
We really do care about people (the hint is in our name) and we want you to know we’ve got your back when you need us. We’ve put together a guide for your hospital stay – from what to ask your doctor to how we pay the bills so that you’re fully informed.
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.