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Out of Pocket Medical Expenses

The Challenge

Millions of Australians fork out big money for private health insurance believing it will give them their choice of specialist and Rolls Royce service. Yet many, at a time of great personal crisis, are saddled with bills for treatment, leaving them thousands of dollars out of pocket and wondering why they bothered paying for insurance at all.

In this week's joint Four Corners investigation 'Mind the Gap' with Dr Norman Swan from RN's Health Report, the program examines what's driving out of pocket expenses.

The results are shocking and certainly show how out of pocket expenses are undermining the Australian private health care system.

The big question is whether or not we can regulate the Australian private health care system ?

What do you consider we need ‘more of’, and what do we need ‘less of’ to strengthen current policy, legislation and regulation?

How effective can legislation and policy be if one takes into account the current private health care system?

 

Each Monday MindHive Number One ranked consulting problem-solver, statistician, Peter Grimbeek, leads a challenge based on Australia's Four Corners’s investigation. We take seriously the often quoted, “if you’d like to continue the conversation head to our Twitter or Facebook site”. What’s missing with that invite is that the Mindhive platform in particular offers an ability to collectively co-create potential solutions and generate ideas based on the challenges that the investigation provides. The outcome of the Mindhive challenge facilitated by Peter forms the basis of a 500-800 idea published on Mindhive, and where appropriate submitted to the ABC and other mainstream media. Mindhive allows for impact recognition by ORCID, uniquely identifying academic and other contributors, and thus ensuring that you get credit for your work.

 

Challenge Opened: 01:09 AM, Sunday 27 May 2018
Challenge Closes: 01:30 PM, Friday 29 June 2018
Time to go: Closed

 

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The context

 

“As doctors we frequently make decisions based on what we think our patients need and can afford.”  Doctors’ representative

Millions of Australians fork out big money for private health insurance believing it will give them their choice of specialist and Rolls Royce service. Yet many, at a time of great personal crisis, are saddled with bills for treatment, leaving them thousands of dollars out of pocket and wondering why they bothered paying for insurance at all.

“You live in this world where you have Medicare, a universal health fund, and you’ve got a private health fund, you’re paying into that substantial fees, and low and behold, you’re $18,000 out of pocket when you have one operation.” Patient

Many blame Medicare and the private health funds, but often the cause of out of pocket expenses lies elsewhere and this eye-opening program reveals some hard truths for patients.

“Where you live can have an influence on whether you’re charged a gap and also the treatment that you’re trying to access.” Health insurance industry spokesperson

For patients to get the best quality care for the money they pay, they need to rethink what high charging specialists actually deliver.

“Some people out in the community feel that someone who's got very lush premises as their rooms, who charge high fees are clearly much better than other surgeons. There is no evidence that's the case. I think that's very important the public understands that.” Surgeons’ representative

Challenge Opened: 01:09 AM, Sunday 27 May 2018
Challenge Closes: 01:30 PM, Friday 29 June 2018
Time to go: Closed

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Hiver

Bruce Muirhead Chief Executive Officer
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Lloyd Taylor Consulting Partner
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William Bell Research Associate
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Jayd Moore Clinical Nurse Consultant
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Chris Oldham Dept of Transport & Main Roads Manager (Corridor Protection Services)
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Gary Pitts
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David Thomas "Manager, Metropolitan Heritage Programs"
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Kathryn Hedley Assistant Director
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Peter Grimbeek Statistics & Methods Counsellor
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Documents associated with this Challenge

File name File type Date uploaded Size (KB)
Parkinson's disease.pdf
.pdf
5/26/2018 1,523
Health care spending.PDF
.PDF
5/26/2018 225
Efficiency in health.pdf
.pdf
5/26/2018 1,035
Child & maternal healthcare.pdf
.pdf
5/26/2018 848
 

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