Privately insured and self-funded patients are welcome at Gosford Private Hospital.
Privately Insured Patients
Please check with your private health insurer that your insurance is up to date. The hospital will check on your behalf whether you have an excess or co-payment to pay, or if your level of cover or waiting period excludes you from receiving benefits for some conditions.
It is important that you also check with your private health insurer as co-payments and costs for excluded procedures are your responsibility, and waiting periods apply to maternity care for all health funds. Please remember to notify your fund when your baby is born.
If you do not have health insurance, you will be required to pay the full estimate of your account on or before the day of your admission. Fees for additional or unplanned services are payable on the day of discharge.
Gosford Private Hospital is pleased to offer prepayment plans for uninsured patients. For more information and an indication of costs, please refer to the Maternity Patient Prepayment form, available at your Booking In appointment.
Special Care Nursery
For babies admitted to our Special Care Nursery:
Confirm with your health fund if your newborn baby will be covered under your membership if an admission to Special Care Nursery is required - most health funds require you to have a family policy in this situation.
In the event that your health cover does not include your baby, additional charges will apply for your baby’s admission to the Special Care Nursery - this fee is at a rate of $1,300 for each night and will be payable daily.
If you have twins or triplets, the second and following babies are admitted as patients and will be billed accordingly to your health fund.
In the event that your fund will not cover your babies' admissions an additional amount of $850 each night will apply for the duration of your babies' stay in hospital.
Accounts from your treating doctor are separate and not usually fully covered by your health fund or Medicare. Please contact your treating doctor directly for estimates and/or to settle these accounts.
If you require an anaesthetist for an epidural or for theatre, the anaesthetist will bill you privately which you can claim through Medicare then your health fund. There will be a gap to pay for any amount over the scheduled fee.
Please note: For some particular procedures and specialists, the Medicare benefits schedule falls well short of the relative value of the procedure as determined by the specialist colleges. You should therefore be aware that there might be a significant difference between your doctor’s fee and the combined Medicare/health fund rebates.
Unless otherwise agreed with your doctor, payment of this gap (out of pocket costs) is your responsibility. You should seek an estimate of your out of pocket costs from your treating doctor (and anaesthetist if applicable) prior to receiving care.
The services a paediatrician provides are chargeable and you will receive a bill from them. As the baby is ‘well’, the baby is not admitted as a patient, and as such the paediatrician’s account for the services cannot be claimed through your health fund. However, you can claim this account with Medicare and will receive at least 75% back (maybe more, depending on your safety net).
If your baby requires admission to the Special Care Nursery, the baby is then an ‘in-patient’ and accounts can be claimed firstly through Medicare and then from your health fund.
The hospital accepts Mastercard, Visa or EFTPOS. Please note that all credit card transactions will incur a 1.5% surcharge.