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Medical Expenses

How to keep your medical costs down, or get help with expensive bills.

Options that Help

  • Use a GP who Bulk Bills.
  • Request a fee reduction due to a financial hardship position
  • Offer a payment plan ; affordable instalments
  • Generic Medicines

    Where available; cheaper for the same product

  • Check your insurance coverage

    Life insurance eg through super fund may pay a lump sum for certain major illnesses and injuries

  • Local Council

    Local Councils may assist with home help at a low cost – check eligibility requirements

  • Apply for Centrelink Advance up to $1000
  • Early Access to Superannuation

    May be eligible for Early Access to funds, in limited circumstances. Read more <***here internal link> or contact your super fund.


  • Do I have to pay for an Ambulance?

    Compared to the costs of Ambulance transport, Ambulance membership is a low cost way to ensure you avoid these charges. Holders of certain Health Care Cards and Pensioner Concession cards may receive free emergency transport. For full details check with Ambulance Victoria ( link below)