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Ask for proof of Informed Financial Consent where you allegedly agreed to these fees – especially if you don’t recall doing so. They are required to show you exactly what you agreed to pay and when.

While bad behaviour and dodgy billing practices remain out of control, it’s just too risky to elect to be a private patient in a public hospital. You could end up with big bills you never saw coming and very little protection once you’ve signed the paperwork.

I was recently contacted by someone who went to the doctor and was told: “Don’t worry, you’ll be bulk billed.” But when they left, the clinic asked them to tap and pay a $50 admin fee…

You’re right to feel frustrated. But the reason you’re out of pocket isn’t because your insurer refused to pay – it’s because of how the system is set up. And Australia’s Constitution is right at the heart of the problem.

The day before my operation, my anaesthetist called me for a quick chat – maybe five minutes while I was in the car. Then on the day of surgery, we spoke again briefly before the procedure. Now I’ve checked my Medicare records and found two charges for “pre-anaesthetic consultations” – one on each day. Is that right? It feels a bit dodgy.

Such a great question—and the answer might surprise you. It’s not just about inflation or rebates falling behind (though you’ve probably heard that a lot). The real reasons are a bit more complex.