Gap
The difference between what a doctor charges you in hospital for their treatment and what Medicare and Frank pay towards this cost. Medicare and Frank will contribute enough to cover the
Medical Benefits Schedule
(MBS) fee. But if your doctor charges above the MBS fee, this can create a Gap, which you will need to pay.
Gap Cover
It’s a scheme (a nice scheme) that Frank runs to help reduce your medical Gap. If your treating doctor charges above the
Medical Benefits Schedule
(MBS) fee, Frank will pay you a higher benefit so your Gap is reduced and you’re less out-of-pocket.
Frank’s Gap Cover scheme covers you for up to 20% above the MBS fee, as long as your doctor is one of the 14,000 doctors that participate in the scheme.
An example.
The MBS fee for your treatment is $200. Frank covers you for up to 20% above this, which is $240. If your doctor charges less than $240, you’ll have ‘no gap’. If they charge $260, you’ll have a ‘known gap’ of $20.
All Frank Hospital covers include Gap Cover.
General dental
This includes common preventative and maintenance procedures such as check ups, removal of plaque, and everyone’s favourite – fillings!