At 84 I have ben paying into medical funds for over 60 years, as Family and the last ten years single, in working life I did not stop to question all the out of pocket costs for my family, but in the last ten years as a pensioner I have struggled to meet these out of pocket GAP expenses. About five months ago I opted out of paying for Medibank and now use the Public Hospital system which I have found wonderful. I have had many referrals from my Doctor for heart, eye, hip, shoulder, carpel, and ongoing cancer of the prostate, in all instances I can only say I have been most impressed with their courtesy and empathy for me and the individual problems. I am referred to three different hospitals for the various tests and treatments as a public patient, and all it has cost me is transport costs. T
ime in each case, including ongoing treatment has been no more overall than waiting for private Dr's and Specialists including all the various tests, X-rays and MRI's etc. etc.
All in all I would, based on my own experience, recommend that people find a good Dr that bulk bills, will answer your questions, recommend the best course of action, and in my case refer to (in his opinion) the best Specialist for the current problem at a Public Hospital.