Private health insurance can help cover many of the costs associated with hip replacement surgery, including hospital accommodation and theatre costs, provided Joint Replacements are included in your cover and any waiting periods have been served.
However, you may still need to contribute towards some costs, including:
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Your hospital excess or co-payment (if applicable)
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Out-of-pocket costs from your surgeon, anaesthetist or assistant surgeon if they charge more than the amount covered by Medicare and your health fund
- Surgical prosthesis, if not listed on the Australian Government’s Prostheses List (also known as the Prescribed List of Medical Devices and Human Tissue Products
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Follow-up appointments or services not fully covered by Medicare or your health insurance
The amount you'll pay depends on your policy, your specialists and the hospital where you're treated. Before surgery, ask your specialist for informed financial consent, which outlines any expected out-of-pocket costs so you can make an informed decision about your treatment.
With Australian Unity, our hospital only cover gives members access to Gap Cover, which can help reduce or eliminate some out-of-pocket costs when participating doctors use the scheme.
