If you have injured yourself privately and require surgery, you will be responsible for your surgeon’s surgical fee and the secretary of your HANDOC surgeon will provide you with a surgical fee estimate prior to surgery. This estimate is subject to change.
Even if you have private health insurance cover, your surgeon’s fee will not be fully covered and therefore you will incur out-of-pocket expenses (known as “the gap”) as a result of your surgery. These expenses may be approximately $1,000 or more (depending on the complexity of your injury) and are not covered by Medicare or your private health insurance.
If you are unsure of your level of cover, we recommend you speak to your private health provider prior to your appointment.
If you do not have private health insurance or Medicare, these out-of-pocket expenses will be substantially higher.
Should you have any concerns or questions, your surgeon or their secretary will be more than happy to discuss these costs before your procedure to be sure you understand what costs you may be liable to pay yourself.
Workers’ Compensation Injuries
If your Workers’ Compensation claim is accepted, your surgeon’s fee should be covered in full by your employer’s Workers’ Compensation insurance scheme. You may also be eligible to receive payments to compensate for loss of earnings, medical expenses, vocational rehabilitation, travel expenses and permanent impairment (if applicable).
Examples of potential medical expenses covered include:
- First aid and ambulance transport
- Medical or surgical attendance
- Treatment by Specialists
- Occupational Therapy (Hand Therapy), Physiotherapy, Chiropractic
- Charges for hospital treatment
- Other treatments (including osteopathy, clinical psychology, exercise-based programs)
It is important to note you are responsible for the cost of your own medical treatment before your employer’s insurer accepts your claim. HANDOC strongly recommend you confirm with your employer prior to any treatment that you will be lodging a Workers’ Compensation claim for your injury with their insurer and that in the event your claim should be denied, whether your employer will assist you with covering any medical expenses.