Find Gap Cover doctors

What is Gap Cover?

Australian Unity's Gap Cover can reduce or remove your out-of-pocket expenses. We set our own schedule of fees, which is generally higher than the Government schedule. This means that when your doctor or specialist agrees to use Australian Unity's Gap Cover Scheme, we can help to pay some of the gap or the entire gap that can occur if your doctor's charge is higher than the Medicare Benefits Schedule Fee.

Gap Cover Schemes are available to all doctors who treat private patients in hospitals or day surgeries, but they don't always participate. Doctors are also free to participate in a Gap Cover Scheme on a patient-by-patient basis.

If Gap Cover won’t fully cover your participating doctor’s fees, your doctor must tell you how much you’ll have to pay in writing before treatment can begin. This is called Informed Financial Consent.

You should always ask your doctor if they will participate in the Australian Unity Gap Cover Scheme for your service prior to undergoing treatment.

Are you eligible?

To check your eligibility, please review your fact sheet or contact Australian Unity on 13 29 39.

Note that Gap Cover only applies to the treatment of illnesses or conditions available under your health cover

Find a Gap Cover Doctor

Australian Unity has partnered with Healthshare, a digital health platform that enables our members and their GPs to search for doctors registered under Australian Unity’s Gap Cover Scheme.

Gap Cover doctors listed on the Healthshare platform are free to participate in Australian Unity’s Gap Cover Scheme on a patient-by-patient basis.

Members and their GPs can search the Healthshare directory below by specialty, name, hospital, suburb or postcode.