Patient information

I am a Bupa or AHSA health fund member. What does this mean for me?

We welcome all patients in ACHA hospitals, whether we have a contract with their health fund or not. From 21 February 2025 for Bupa members and 4 March 2025 for AHSA fund members, you may face some additional out of pocket costs if ACHA cannot agree a new contract with these insurers. We remain willing to negotiate with Bupa and AHSA health funds to avoid this.​

Your health fund is required to let you know about the impacts of this situation and you can discuss the specific details of your expected costs by contacting Bupa on 134 135,  or your specific AHSA fund (visit https://ahsa.au/our-funds/ for details).

 

Which other funds does ACHA have contracts with?

ACHA has agreements in place with all other major Australian health insurers including HCF, Medibank, NIB and St Lukes Health.

 

Is it correct that I can avoid the additional out of pocket fees if I change my health fund? How?

Yes. Australia’s private health insurance laws allow members to move their cover to another health fund without re-serving waiting periods when transferring to a comparable product. * Bupa and AHSA health fund members can avoid additional fees if they switch to a comparable product with another fund that has the same level of benefits and same conditions as their current product. ACHA has agreements in place with all other major Australian health insurers including HCF, Medibank, NIB and St Lukes Health.

 

 If I stay with Bupa or an AHSA health fund, what will my future out-of-pocket costs be?

Patients who are Bupa and AHSA health fund members will be required to pay additional out of pocket costs in our hospitals if they do not meet the criteria of the transitional arrangements or once those transitional arrangements no longer apply.​ We won’t know the exact out of pocket costs until Bupa and the AHSA funds advise us what level of funding they intend to keep paying us for their members’ care in our hospitals.  Under guidelines set by the Private Health Insurance Ombudsman, doctors, hospitals and health funds are expected to work together to provide information to you about the costs associated with your treatment, and any private health insurance benefits payable, prior to your admission to hospital.​

 

The hospital and the health funds have agreed that the terms of the contract will continue to apply to certain patients and for a certain duration (these are sometimes referred to as transitional arrangements)The below table outlines the circumstance and the duration in which the transitional period will apply to Bupa and AHSA health fund members.

_{*Course of treatment: all patients undertaking a course of treatment (e.g., chemotherapy, dialysis, psychiatric rehabilitation) for a continuous period of up to six months. Course of treatment is not limited to the examples listed here.}

_{*Maternity pre-bookings: if a booking has been received by the hospital prior to the contract termination date, including bookings notified by the doctor. If a pre-booked mother has a baby or multiple babies requiring admission to a special care nursery, this would be covered at the current contract rates. There may be exceptions where the baby requires ongoing treatment after being discharged from hospital. This would be deemed a separate admission and the rates payable would need to be confirmed with the AHSA.}

_{**Non-maternity pre-bookings: if a booking is received by the hospital prior to the contract expiration date, including bookings notified by the doctor or where the patient has completed the necessary forms. Admission must occur within six months of the contract expiration date.}

If you are a patient who is a Bupa or AHSA health fund member and you:

• Meet the criteria in the table above, you will not be required to pay additional out of pocket fees;
• Do not meet the criteria in the table above,  it is likely that you will be required to pay additional out of pocket fees. 

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How can patients avoid extra fees?

Australia’s private health insurance laws allow members to move their cover to another health fund without re-serving waiting periods when transferring to a comparable product. Bupa and AHSA health fund members can avoid additional fees if they switch to a comparable product with another fund that has the same level of benefits and same conditions as their current product. * ACHA has agreements in place with all other major Australian health insurers including HCF, Medibank, NIB and St Lukes Health.

* Private health insurance is complex and it can be difficult to compare health insurance products. You should discuss your health insurance needs with the fund you are proposing to switch to so that you understand the new product, how it differs from your current product and can confirm that the product is right for you.

Make sure you consider the products excess, co-payment, full cost and all out of pocket expenses that will apply in the event you require treatment at a hospital. You should also consider if you are obtaining a comparable product.  If you switch to a comparable product with another fund that has the same level of benefits and same conditions as your current product, you will not have to re-serve any waiting periods that have already been served.

You can compare funds for free at www.privatehealth.gov.au and choose a fund that is not affected.