Bulk billing, rebates and gap fees explained

Why specialist fees vary, and how to work out what you'll pay.

Specialists set their own fees. Medicare pays a rebate based on the fee listed in the Medicare Benefits Schedule for that service. The difference between the fee and the rebate is the gap you pay.

• Bulk billed: the specialist accepts the Medicare rebate as full payment, so there's nothing to pay.
• Gap fee: you pay the full fee and claim the rebate back, or pay just the gap if the rooms claim for you.

If you have a lot of medical costs in a year, the Medicare Safety Net can increase your rebates once you reach a threshold. Registering as a family can help you reach it sooner.

Always ask for the fee before your appointment. Spec Book shows each specialist's fee and estimated gap upfront.

General information only, not medical advice. Everyone's situation is different, so check with your GP or the provider. In an emergency call 000.