@Trying, hospitals are free nationwide. There are private hospitals that you can pay for, or use your private health insurance for. The public system is great, certainly in an emergency, but the waiting lists can be quite long for some things and you get in on the level of urgency that an initial consultation decides, whether that be with your GP or a specialist via GP referral.
For example, my dad has cataracts and requires surgery, however the priority system has him at a level 2, and I believe the wait time is currently 18 months, but that is also due to covid when they cut back on a lot of surgeries like that and now there is a backlog.
I have presented to hospital, via ambulance and in DKA. I was in ICU for 9 days and I didn’t have to pay a cent.
Ambulance services are state based in Australia, so depending on where you live, depends on whether you need insurance to cover your ambulance journey or not.
Fortunately, I live in a state where we pay a levy via our electricity (state owned power supplier), and therefore the state government will cover all ambulance costs, regardless of where I am in the country.
Seeing a Dr, is currently a little more complicated.
There are medical centres everywhere. Some are even open 7 days. Basically the government has set a price that medical practices can claim directly, what we call bulk billing and there isn’t meant to be anything for the patient to pay. But over the years, the amount of the rebate hasn’t increased in line with costs. So, some practices charge fees and then the patient has to claim the rebate, which does not cover the entire cost anymore.
Claiming the rebate is pretty easy (online/app), but it’s the increasing gap that is becoming an issue. The other problem is that many practices, aren’t taking on new patients and the level of burnout in medical staff is pretty much everywhere, primarily due to covid workloads, so there’s a GP shortage, especially in rural areas.
However, as a concession holder, and the fact that my GP is one of the few that continue to bulk bill their concession holders, going to see my GP costs me nothing. And he’s a nice guy and even makes sure that I don’t pay the fee for things like nurses giving me an iron transfusion, which is usually charged regardless of concession.
So no, no medical bills to worry about, unless you’re taking a medication that isn’t on the PBS, which does happen sometimes.