This article first appeared on TalkSport.co.uk.
The Government’s plans to create a new GP medical insurance scheme, which will come into effect from next month, have been a subject of controversy.
What is the GP medical plan?
The scheme will cover the cost of a GP surgery, but only for those who live in the same GP surgery area.
This will mean the scheme will only cover those who are able to get in touch with their GP within 24 hours.
It is unclear what proportion of the GP surgeries will be open on weekends.
It will also cover people who are in a car accident, or for example, for medical reasons.
But the Government has said the new scheme will be for everyone, meaning everyone will get the same benefits as people who were previously insured under the current scheme.
This will be in contrast to the current system, where people with pre-existing conditions are not covered.
Currently, people with GP insurance are covered by a separate scheme called the Private Health Insurance Scheme (PHIS).
This is where people are able buy private insurance, with a lower cap on out-of-pocket costs.
The new scheme is meant to replace the PHIS, which is designed to cover the GP bills of people with private insurance.
This scheme has already had its fair share of controversy in recent weeks.
On Thursday, health ministers announced that people who have private health insurance will now be able to buy GP insurance under the new policy.
But in a letter to the Australian Medical Association (AMA), Health Minister Peter Dutton argued the new private insurance scheme would still cover the majority of people in Australia.
“The Government is proposing to expand the number of GP surgeries to cover all Australian residents who wish to be insured under a GP medical policy, regardless of their private health status,” Mr Dutton said.
“By contrast, currently, only a small proportion of Australians have private medical insurance.
The Government recognises the importance of this policy change, but will still offer people with privately insured insurance the same options and coverage as other Australians.”
What do I need to know about the new system?
The GP insurance plan will be available to everyone regardless of how much private insurance they have.
What about those who have been insured under PHIS?
People who have purchased private health insurers under PHIs will be able now to get GP insurance.
The new GP policy will cover GP visits in both private and GP surgeries.
This means those with private health coverage, or those who had their GP surgery in private, will be covered.
However, the scheme does not cover any patients who are not insured.
Those who are insured will still need to pay their GP bills out of pocket.
What if I have pre-existent conditions?
If you are a GP, you are covered under the existing GP medical system.
However if you have pre, or chronic conditions, such as diabetes or asthma, your GP may not be able treat you, and you will still be covered by your GP’s insurance.
What does this mean for those with pre or chronic condition?
Those with pre, chronic condition will still have to pay out of their own pocket, and may be eligible for the new plan.
What will be the cost for a GP visit?
The cost of GP visits for people with non-private health insurance would be the same as if they had private health cover.
However, GP visits will not be covered for people who live outside their GP’s surgery area, and they will not receive any GP insurance cover.
This is because the GP services will be based in the GP’s local area, so they will be treated like any other outpatient appointment.
What are the other changes?
The Government has also said that there will be a number of changes to the GP insurance policy, including:It is also proposing that people with certain pre-conditions will be offered a choice of private health providers.
It’s not clear what the GP plan will cover.
It also means the scheme may not cover people with:GPs can only cover the first $20,000 of GP costs in a year.
This would mean that if you bought private health care, you would have to cover $20K for your first $40,000 GP bill in your first year of insurance, and $50K for the next $40K.
This may not seem like a lot, but this is a huge amount of money for a family who has only been insured for a few months.
What do you think?
Do you think people who do not have private insurance will be better off with a GP health plan?
Are you still paying out of your own pocket for your GP surgery?
Are the changes in GP insurance really needed?