The only way to know for sure is to ask each doctor upfront if they’ll participate in Medibank’s GapCover for each claim as part of your treatment. You can search for doctors who have previously participated in Medibank’s GapCover at medibank.com.au/provider or call us on 132 331. GapCover doesn’t cover all medical services, and specialists can choose whether or not to participate in GapCover for part, or all of your treatment. So even if a doctor has participated in GapCover before, you’ll need to check that they’ll do it in each case. If you’re being treated by more than one doctor (e.g. obstetrician and anaesthetist), you’ll need to check that each individual doctor will participate.
GapCover doesn’t apply to pathology and radiology services, out-of-hospital medical services and services not included under your policy. GapCover also doesn’t apply to things such as any applicable excess payment and per-day payment. You may still have out-of-pocket costs. See your Member Guide for more information.