Bulk billing is a payment option under the Medicare system of universal health insurance in Australia. It refers to healthcare services provided at no cost to patients in Australia. Instead of paying a fee and seeking a rebate (repayment) through Medicare, the medical practitioner bills Medicare for the visit directly, leaving the patient with no out-of-pocket expenses. The medical practitioner accepts the relevant Medicare Benefits Schedule (MBS) rebate as full payment for the service, and the patient cannot be charged a co-payment. Bulk billing can cover a prescribed range of health services as listed in the MBS, at the discretion of the health service. Bulk billing rebates may be collected and paid directly to the service provider, or the service provider may collect the equivalent fee from the patient, leaving the patient to claim the rebate online, over the telephone, by mail, or at a Medicare office.
Not all health professionals bulk bill, so before seeing a doctor, it is important to ask if they bulk bill and if there will be any out-of-pocket costs. In January 2023, it was reported that only 42.7% of general practitioners bulk billed, while outside of Sydney and Melbourne, less than a third bulk billed. The decline in bulk billing has led the Australian Medical Association (AMA) to call on the federal government to revise indexation to ensure rebates better reflect the rising costs of providing medical care and running a practice.
Bulk billing plays a vital role in attracting potential patients to healthcare practices in Australia. Many doctors bulk bill because they want to make sure their medical services are accessible to everyone. While medical practitioners may get paid less per consultation than practitioners that charge private fees, bulk billing has some advantages as well. As a bulk billing practice, healthcare providers can often enjoy a higher volume of patients, which can lead to more revenue in the long run.