Find a provider

1. Use the search tool above and search for practitioner by specialty or name. A dropdown will appear once you begin typing. 
2. Choose your preferred option while browsing the list of providers. 
3. You'll be able to see the provider's contact details and get directions from your location.

Once you've chosen your specialist, make sure they supply you with an informed financial consent document. Your estimate will include details of any out of pocket or ‘gap’ you may have.

Your specialist should provide you with an estimate of fees prior to any hospital admission. This is known as Informed Financial Consent.

What is Medical Gap?

In Australia, certain medical services provided by doctors have a Medicare Benefits Schedule (MBS) fee, set by the Government. This is called the 'scheduled fee'.

For medical services provided by a specialist while you are admitted as an inpatient in hospital, Medicare pays 75% of the scheduled fee and your health insurer pays the remaining 25%.

Specialists can charge whatever fee they deem appropriate for their services. If this fee is more than 100% of the scheduled fee, you will need to pay the difference. This is called a ‘medical gap’ or an out of pocket cost.

What is Access Gap Cover?

Frank has partnered with the Australian Health Service Alliance to give members access to Access Gap Cover. Access Gap Cover is a billing system that provides higher benefits than the Government’s scheduled fee in most cases. It can reduce or even eliminate any gap for medical fees when treated as an inpatient in hospital.

Specialist doctors who are registered for, and use, the Access Gap Cover scheme will get a higher benefit from Frank (more than the standard 25%), in exchange for limiting the out of pocket cost they charge to you.

There are two scenarios for how you may be billed by your specialist doctor when they use the Access Gap Cover scheme:

No Gap – this is where there will be no gap for you to pay following the procedure

Known Gap – this is where you will be charged a maximum gap of $500 per specialist, per admission to hospital or a maximum of $800 for obstetrics services.

Check out Medical Gap and Access Gap Cover for more information.

Extras cover is private health insurance for health services outside hospital that are generally not covered by Medicare. Stuff like dental, optical, physio and chiro. Each time you use a service you’re covered for, Frank will chip in some of the cost (up to your annual limit). It’s a good way to stay on top of your day-to-day healthcare needs.

We believe in freedom of choice, so we pay the same benefits to any private practice that is registered with recognised bodies approved by Frank. As long as they meet this requirement, it means you can use your regular dentist, optometrist or physio and still claim (annual and waiting periods apply).