Hospital Cover for Back, Neck and Spine is for hospital treatment to investigate and treat the:
Examples include:
This clinical category includes these treatments listed in the Medicare Benefits Schedule (MBS).
Some treatments you might expect to be in the Back, Neck and Spine clinical category are under other clinical categories. For example, treatments for:
Tier | Clinical category covered? | Can insurers offer restricted cover? |
Basic | Optional | Yes |
Bronze | Optional | No |
Silver | Yes | No |
Gold | Yes | No |
‘Optional’ means that the Australian Governments allows insurers to choose whether or not to cover a clinical category under that Hospital Cover tier.
Restricted cover means the insurer pays only limited benefits.
If insurers offer cover for Back, Neck and Spine under Basic Hospital Cover, they can do so on a ‘restricted’ basis. If you are admitted as a private patient in a private hospital for treatments under this clinical category, you will face considerable out-of-pocket costs.
Always check with your insurer before agreeing to be treated as a private patient in a private hospital if you have restricted cover for Back, Neck and Spine.
Yes. [Medicare] covers all treatments in the Back, Neck and Spine clinical category.
If there is an MBS item number for the treatment, Medicare covers it.
Use our healthslips.com.au Calculator to find the best Hospital Cover for you.