The Australian Government has a health insurance scheme called Medicare to cover the medical expenses during pregnancy. Continue reading for more details.
Last Updated: 23 October 2020
In July 2011, the department of health services of Australian Government has initiated a health insurance scheme called Medicare to cover the expenses during a pregnancy.
All Australian residents are eligible for the scheme. Certain categories of visitors of Australia are also eligible. You can check out your eligibility status at the Department of health services. If you do not possess a Medicare card, you can apply to the card as well.What is the coverage?
If you hold a Medicare card, the costs of your pregnancy and birth will be subsidized. The coverage may vary depending on the choice of care and the place where you give birth.Does Medicare cover the cost of fertility treatments?
If you are planning to have fertility treatment, you can register at Medicare Safety Net. The total costs can be reduced when you register as a couple. Medicare can help you to cover some of the costs of Assisted Reproductive treatments like IVF and other fertility treatments you receive.Medicare during pregnancy
The cost of routine ultrasound, pregnancy counseling (up to 3), blood test, some immunizations and the care you receive from obstetricians will be fully or partially covered under Medicare.During birth
Medicare will pay for the services given by midwives and obstetricians. When you are planning to give birth in a hospital, you can either opt to be a public or a private patient. If you are a public patient at a public hospital, you don’t have to pay. If you give birth at a birthing centre or a community care you must ask about costs when you make an admission. If you consult a private obstetrician in a private or public hospital, free or subsidized care will be provided.Postnatal care
The postnatal care by Medicare includes
Free care in public hospitals or publicly funded homebirth program
One to three free home visits from midwives (after your hospital discharge)
Free or subsidised care from private obstetriciansFor the baby
In some cases, when your baby needs extra care like intensive care services, immunisations and specialty services, such costs will be covered under Medicare. Free or subsidized care from a pediatrician will be provided.What is not covered by Medicare?
The things that are not covered in Medicare are
Hospital stay as a private patient in a private hospital or public hospital
Gap fees for private obstetricians, eligible privately practicing midwives or your doctor caring for you during pregnancy or after the birth
Any fees associated with private midwifery care for you during labour and birth at home
Out of pocket private hospital expenses, including medicines
It is also important to add your baby’s name in the Medicare card to avail the benefits. More information can be gathered from the Department of Human Services website.