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Aussies urged to claim share of $241 million in unpaid Medicare benefits

More than 930,000 Australians are owed their share of $241 million in unclaimed Medicare benefits. The unpaid Medicare benefits have been withheld from recipients who have not updated their bank details, the Department of Social Services said on Thursday. The average Australian is owed about $260 each, but 200 Australians are owed more than $10,000. Young people seem to be owed the most, with more than $52m owed to more than 224,000 Aussies aged between 18 and 24. “Once you update your details, Services Australia will pay your unpaid benefits within three days,” National Disability Insurance Scheme and Government Services minister Bill Shorten said. He added that it takes less than a minute for the average person with a myGov account linked to Medicare to check and update their bank details. Those owed money are being notified directly through their myGov inbox. “Services Australia is in the process of sending over half a million notifications to people’s myGov inbox asking them to update their details,” Shorten said. He added that in the last financial year, Services Australia paid nearly $30bn in Medicare benefits, and since December 2023, they have reunited over half a million Australians with $117 million in unpaid benefits. “We know a bit of extra money is always welcome in the lead up to the holidays – so there’s no better time than now to check if your bank details with Medicare are current, and if you have any unpaid benefits," Shorten said. “With everyone doing it tough due to cost of living, this is good news for nearly a million Aussies from all walks of life all over Australia.” Image: Shutterstock

Money & Banking

Medicare is covering less of specialist visits. But why are doctors’ fees so high in the first place?

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/susan-j-mendez-2219444">Susan J. Méndez</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Fees for medical specialists are going up faster than <a href="https://www.abc.net.au/news/2024-09-25/medicare-rebates-only-covering-half-of-specialist-costs/104389360">Medicare rebates</a>, leading to a bigger gap for patients to pay. Recent data from the <a href="https://www.aihw.gov.au/reports/medicare/mbs-funded-services-data/contents/summary">Australian Institute of Health and Welfare</a> shows that in the first quarter of this year, Medicare rebates covered just over half (52%) of the total fees. This is <a href="https://www.abc.net.au/news/2024-09-25/medicare-rebates-only-covering-half-of-specialist-costs/104389360">down from 72%</a> two decades ago, and the lowest proportion on record. Doctors can charge what they like, while the government determines the Medicare rebate. The difference between the two, or the gap, is what impacts patients. For GPs, the government provides an incentive for doctors to <a href="https://www.health.gov.au/our-work/increases-to-bulk-billing-incentive-payments#1-november-2023-changes">bulk bill</a>, but there’s no such incentive for other specialists. Doctors blame large gap payments on rebates being too low, and they’re partly right. After adjusting for inflation and increasing demand, the average dollar amount one person receives in Medicare rebates annually dropped from <a href="https://www.aihw.gov.au/reports/medical-specialists/referred-medical-specialist-attendances">A$349 to $341</a> over the past decade. But this is only a part of the problem. When many people can’t afford hundreds (if not thousands) of dollars for essential specialist care, we need to look at why fees are so high. <h2>How do specialists set their fees?</h2> Although general practice is technically a speciality, when we talk about medical specialists in this article, we’re talking about non-GP specialists. These might include paediatricians, oncologists, psychiatrists and dermatologists, among many others. In determining fees, specialists consider a combination of patient-level, doctor-level and system-level factors. Patient characteristics, such as the complexity of the patient’s medical condition, may increase the price. This is because more complex patients may require more time and resources. Specialists, based on their experience, perceived skill level, or ethical considerations, may charge more or less. For example, <a href="https://www.sciencedirect.com/science/article/pii/S0277953623007104?via%3Dihub">some specialists report</a> they offer discounts to certain groups, such as children or pensioners. System-level factors including the cost of running a practice (such as employing staff) and practice location also play a role. Problems arise when prices vary considerably, as this often signals limited competition or excessive market power. This holds true for medical services, where patients have little control over prices and rely heavily on their doctors’ recommendations. In <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4909881">recent research</a>, my colleagues and I found fees varied significantly between specialists in the same field. In some cases the most expensive specialist charged more than double what the cheapest one did. <h2>Doctor characteristics influence fee-setting</h2> My colleagues and I <a href="https://doi.org/10.1016/j.healthpol.2024.105119">recently analysed</a> millions of private hospital claims from 2012 to 2019 in Australia. We found the wide variation in fees was largely due to differences between individual doctors, rather than factors such as patient complexity or the differences we’d expect to see between specialties. Up to 65% of the variance in total fees and 72% in out-of-pocket payments could be attributed to differences between doctors in the same field. To understand what doctor-level factors drive high fees, <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4909881">we looked at</a> data from a representative survey of specialists. We found older specialists have lower fees and higher rates of bulk billing. Practice owners tended to charge higher fees. We also found doctors’ personalities affect how much they charge and how often they bulk bill patients. Doctors who scored more highly on the personality trait of agreeableness were more likely to bulk bill patients, while those who scored more highly on neuroticism tended to charge higher fees. What we couldn’t show is any evidence fees were associated with competition. <h2>Effects on patients</h2> This is not a competitive market. On the contrary, it has high entry restrictions (long training requirements) and a limited supply of specialists, particularly in <a href="https://www.aihw.gov.au/reports/workforce/health-workforce">rural and remote areas</a>. Meanwhile, patients’ access is controlled by the need for referrals which expire, generally after a year. Patients are often unable to shop around or make informed decisions about their care due to a lack of information about the true cost and quality of services. For private hospital services, the fee structure is complicated by the fact that several providers (for example, surgeon, anaesthetist, assistant surgeon) bill separately, making it difficult for patients to know the total cost upfront. Despite efforts to introduce price transparency in recent years, such as through the government’s <a href="https://medicalcostsfinder.health.gov.au/">Medical Costs Finder</a> website, the system remains far from clear. Reporting is voluntary and the <a href="https://doi.org/10.1016/j.healthpol.2020.06.001">evidence is mixed</a> on whether these tools effectively reduce prices or increase competition. All of this contributes to high and unpredictable out-of-pocket costs, which can lead to financial strain for patients. About <a href="https://www.abs.gov.au/statistics/health/health-services/patient-experiences/latest-release#barriers-to-health-service-use">10.5% of Australians</a> reported cost was a reason for delaying or avoiding a specialist visit in 2022–23. This raises important questions about equity and the sustainability of Australia’s universal health-care system, which is built on the principle of equitable access to care for all citizens. <h2>What can be done?</h2> Patients can take steps to minimise their costs by proactively seeking information. This includes asking your GP for a range of options when you’re referred to a specialist. Note the referral from your GP can be used for any other doctor in the same specialty. Similarly, ask the specialist’s receptionist what the fee and rebate will be before making an appointment, or for a <a href="https://www.ama.com.au/articles/informed-financial-consent#Two">detailed quote</a> before going to hospital. Shop around if it’s too high. But responsibility doesn’t only lie with patients. For example, the government could seek to address this issue by increasing investment in public hospital outpatient care, which could boost competition for specialists. It could also publish the range of fees compared to the rebate for all Medicare-billed consultations, rather than relying on voluntary reporting by doctors. Price transparency alone is not enough. Patients also need quality information and better guidance to navigate the health-care system. So continued investment in improving health literacy and care coordination is important. If things don’t change, the financial burden on patients is likely to continue growing, undermining both individual health outcomes and the broader goals of equitable health-care access.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/239827/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/susan-j-mendez-2219444">Susan J. Méndez</a>, Senior Research Fellow, Melbourne Institute of Applied Economic and Social Research, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/medicare-is-covering-less-of-specialist-visits-but-why-are-doctors-fees-so-high-in-the-first-place-239827">original article</a>. </div>

Money & Banking

Why isn’t dental included in Medicare? It’s time to change this – here’s how

<div class="theconversation-article-body"> <a href="https://theconversation.com/profiles/peter-breadon-1348098">Peter Breadon</a>, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a> and <a href="https://theconversation.com/profiles/kate-griffiths-94706">Kate Griffiths</a>, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a> When the forerunner of Medicare was established in the 1970s, dental care was left out. Australians are still suffering the consequences half a century later. Patients pay much more of the cost of dental care than they do for other kinds of care. <a href="https://www.commonwealthfund.org/sites/default/files/2021-08/Schneider_Mirror_Mirror_2021.pdf">More</a> Australians delay or skip dental care because of cost than their peers in most wealthy countries. And as our dental health gets <a href="https://theconversation.com/reform-delay-causes-dental-decay-its-time-for-a-national-deal-to-fund-dental-care-217914">worse</a>, fees keep on rising. For decades, a litany of reports and inquiries have called for universal dental coverage to solve these problems. Now, with the Greens <a href="https://greens.org.au/news/media-release/tax-big-corporate-profits-fix-peoples-teeth-greens">proposing</a> it and Labor backbenchers <a href="https://www.theaustralian.com.au/nation/politics/dental-on-medicare-must-be-next-frontier-for-labor-backbenchers/news-story/1c69314d7609815b937ced5af4542ba0">supporting</a> it, could it finally be time to put the mouth into Medicare? <h2>What’s stopping us?</h2> The Australian Dental Association <a href="https://ada.org.au/ada-responds-to-the-greens-dentistry-in-medicare-proposal">says</a> the idea is too ambitious and too costly, pointing out it would need many more dental workers. They say the government should start small, focusing on the most vulnerable populations, initially seniors. Starting small is sensible, but finishing small would be a mistake. Dental costs aren’t just a problem for the most vulnerable, or the elderly. More than <a href="https://www.abs.gov.au/statistics/health/health-services/patient-experiences/2022-23/patient_experience_202223_tables_13_to_15.xlsx">two million</a> Australians avoid dental care because of the cost. More than <a href="https://www.aihw.gov.au/getmedia/a053aa74-c471-436e-ab7e-a82e83ae73a3/aihw_den_231_dentalcare_oralhealthanddentalcareinaustralia_tranche7_21NOV2023.xlsx">four in ten</a> adults usually wait more than a year before seeing a dental professional. Bringing dental into Medicare will require many thousands of new dental workers. But it will be possible if the scheme is <a href="https://grattan.edu.au/wp-content/uploads/2019/03/915-Filling-the-gap-A-universal-dental-scheme-for-Australia.pdf">phased in</a> over ten years. The real reason dental hasn’t been added to Medicare is it would cost billions of dollars. The federal government doesn’t have that kind of money lying around. Australia has a <a href="https://theconversation.com/the-budget-is-full-of-good-news-but-good-news-isnt-the-same-as-good-management-230110">structural budget problem</a>. Government spending is growing faster than revenue, because we are a relatively <a href="https://grattan.edu.au/news/can-we-talk-about-a-fairer-more-prosperous-australia/">low-tax country with high service expectations</a>. The growing cost of health care is a major contributor, with hospitals and medical benefits among the top six fastest-growing major payments. The structural gap is only <a href="https://treasury.gov.au/publication/2023-intergenerational-report">likely to grow</a> without major policy changes. So, can we afford health care for all? We can. But we should do it with smart choices on dental care, and tough choices to raise revenue and reduce spending elsewhere. <h2>Smart choices about a new dental scheme</h2> The first step is to avoid repeating the mistakes of Medicare. Medicare payments to private businesses haven’t attracted them to a lot of the communities that need them the most. Many rural and disadvantaged areas are <a href="https://theconversation.com/if-you-live-in-a-bulk-billing-desert-its-hard-to-see-a-doctor-for-free-heres-how-to-fix-this-204029">bulk-billing deserts</a> with too few GPs. The poorest areas have more than <a href="https://grattan.edu.au/wp-content/uploads/2022/12/A-new-Medicare-strengthening-general-practice-Grattan-Report.pdf">twice</a> the psychological distress of the wealthiest areas, but they get about half the Medicare-funded mental health services. As a result, government money isn’t going where it will make the biggest difference. There are about <a href="https://www.aihw.gov.au/reports/dental-oral-health/oral-health-and-dental-care-in-australia/contents/hospitalisations/potentially-preventable-hospitalisations">80,000</a> hospital visits each year for dental problems that could have been avoided with dental care. If there is too little care in disadvantaged and rural communities, where oral health is worst, that number will remain high. That’s why a significant share of new investment should be quarantined for public dental services, with those services targeted to areas where people are missing out on care. Another problem with Medicare is its payments often have little relationship to the cost of care, or the impact that care has on the patient’s health. To tamp down costs, Medicare funding for dental care should exclude cosmetic treatments and orthodontics. It should be based on efficient workforce models where dental assistants and therapists use all their skills – you might not always need to see a dentist. The funding <a href="https://apo.org.au/sites/default/files/resource-files/2019-06/apo-nid241086.pdf">model</a> should take account of a patient’s needs, reward giving them ongoing care, and have a <a href="https://grattan.edu.au/wp-content/uploads/2019/03/915-Filling-the-gap-A-universal-dental-scheme-for-Australia.pdf">cap</a> on spending per patient. Oral health should be measured and recorded, to make sure patients and taxpayers are getting results. <h2>Tough choices to balance the budget</h2> Those steps would slash the cost of The Greens’ plan, which is hard to estimate but might reach more than <a href="https://www.pbo.gov.au/sites/default/files/2024-09/Putting%20dental%20care%20into%20Medicare.pdf">$20 billion</a> a year once it’s phased in. Instead, the cost would fall to roughly <a href="https://grattan.edu.au/report/filling-the-gap/">$7 billion</a> a year. That would be a good investment. But if you’re worried about where the money will come from, there are good ways to pay for it. Many reforms could reduce government health budgets without harming patients. There is waste in government funding of <a href="https://grattan.edu.au/wp-content/uploads/2016/02/935-blood-money.pdf">pathology</a> tests and <a href="https://grattan.edu.au/wp-content/uploads/2015/06/823-Premium-Policy4.pdf">less cost-effective</a> medicines. In some hospitals, there are <a href="https://grattan.edu.au/wp-content/uploads/2014/03/806-costly-care.pdf">excessive costs</a> and potentially harmful <a href="https://qualitysafety.bmj.com/content/qhc/28/3/205.full.pdf">low-value care</a>. Over the longer-term, investments in <a href="https://grattan.edu.au/wp-content/uploads/2023/02/The-Australian-Centre-for-Disease-Control-ACDC-Highway-to-Health-Grattan-Report.pdf">prevention</a> can reduce demand for health care. A <a href="https://grattan.edu.au/wp-content/uploads/2024/05/Sickly-Sweet-Grattan-Institute-Report-May-2024.pdf">tax on sugary drinks</a>, for example, would improve health while raising hundreds of millions of dollars a year. Measures like this would help the government pay for more dental care. But demand for health care will keep growing as the population ages, and as expensive <a href="https://www.abc.net.au/news/2024-09-11/proposal-to-speed-up-medicine-approvals/104338766">new treatments</a> arrive. This means a broader strategy is needed to meet the three goals of balancing the budget, keeping up with growing health-care demand, and bringing dental into Medicare. There are no easy solutions, but there are many options to reduce spending and boost revenue without hurting economic growth. Choosing Australia’s infrastructure and defence megaprojects <a href="https://grattan.edu.au/report/back-in-black-a-menu-of-measures-to-repair-the-budget/">more wisely</a> could save several billion dollars each year. Undoing Western Australia’s special GST funding deal – <a href="https://www.austaxpolicy.com/western-australia-gst-deal-the-worst-australian-public-policy-decision-of-the-21st-century-thus-far/">described</a> by economist Saul Eslake as “the worst Australian public policy decision of the 21st Century thus far” – would save another <a href="https://grattan.edu.au/report/back-in-black-a-menu-of-measures-to-repair-the-budget/">$5 billion</a> a year. Reducing income tax breaks and tax minimisation opportunities – including by reining in superannuation tax concessions, reducing the capital gains tax discount, limiting negative gearing, and setting a minimum tax on trust distributions – could raise more than <a href="https://grattan.edu.au/report/back-in-black-a-menu-of-measures-to-repair-the-budget/">$20 billion</a> a year. Major tax reform like this offers economic benefits while creating space for better services such as universal dental coverage. No one likes spending cuts and tax hikes, but they will be needed <a href="https://theconversation.com/chalmers-has-a-70-billion-a-year-budget-hole-here-are-13-ways-to-fill-it-203331">sooner or later</a> regardless. Dental coverage might be just the sweetener taxpayers need to accept it.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/239086/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/peter-breadon-1348098">Peter Breadon</a>, Program Director, Health and Aged Care, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a> and <a href="https://theconversation.com/profiles/kate-griffiths-94706">Kate Griffiths</a>, Deputy Program Director, Budgets and Government, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a> Image credits: Shutterstock This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-isnt-dental-included-in-medicare-its-time-to-change-this-heres-how-239086">original article</a>. </div>

Money & Banking

$79 million in toll rebates yet to be claimed

Toll rebates worth $79 million are yet to be claimed by motorists in New South Wales, with some drivers eligible to receive thousands of dollars in refunds. Around 350,000 motorists across Sydney can claim back their toll spending according to new state government data, following the introduction of the toll cap scheme earlier this year. The scheme has reduced the amount motorists have to pay to a maximum of $60 on roads, and to date it has given back $39 million to motorists, largely from Sydney's west. Government figures show drivers in Auburn receiving the biggest average toll relief of $554, followed by motorists in Lakemba with $513. Motorists in Wiley Park had an average toll rebate of $461, while the average rebate for all NSW drivers is around $254. There remains $79 million to be claimed by motorists from tolled trips since the beginning of this year. Drivers who spend more than $60 and less than $400 per week can have their tolls refunded through the scheme. Toll costs over $400 can be partially refunded. Motorists can claim up to a maximum of $340 per week for each tag or licence plate. Claims can be made quarterly for drivers who have linked their e-tag to their Service NSW accounts and motorists have until the end of June 2025 to claim their rebates. Image: Nine News

Domestic Travel

Tax boost announced for 1.2 million people

Low-income earners will receive a tax boost with the Medicare levy threshold set to rise. The income threshold at which taxpayers will have to pay a two per cent Medicare levy will increase by 7.1 per cent, in line with inflation. Currently single people who earn below $24,276 do not have to pay the levy. Under the changes, the two per cent levy only has to be paid by anyone earning over $26,000 The Medicare levy threshold for seniors and pensioners will increase to $41,089, up from the initial benchmark of $38,365. For families, this threshold has increased to $43,486 up from the previous $40,939. Treasurer Jim Chalmers said that the increase was part of the broader measures taken to relieve the increase in cost-of-living. “This will ensure people on lower incomes continue to pay less or are exempt from the Medicare levy,” he said on Tuesday. “It means 1.2 million Australians get to keep a bit more of what they earn.” The boost in the Medicare levy threshold was announced alongside changes to income tax cuts, with those earning under $150,000 set to receive greater benefits. “This is about doing what we responsibly can to ease some of the pressure being felt by Australians right around the country, but especially for people on lower incomes, young people, seniors and women,” Chalmers said. This comes just days after Medicare celebrated it's 40th anniversary, with an exhibition launched at Parliament House. Image: Getty

Money & Banking

“This is their money”: Aussies to receive cash boost in days

The Australian government appears to be on a mission to play Santa, as it attempts to return a whopping $234 million in unclaimed Medicare benefits to one million of its hard-working citizens. Move over, jolly old Saint Nick; it's time for Bill "Santa" Shorten to shine. It turns out that Australians have been missing out on an average of $240 each in Medicare rebates, akin to losing a crisp, green note between the couch cushions – but on a national scale. Apparently, the government has been holding onto this financial treasure trove because some Aussies forgot to update their bank details with Medicare. Who knew that keeping your bank info up-to-date could be more rewarding than finding a forgotten $20 in last winter's coat? Government Services Minister Bill Shorten is riding the sleigh of generosity, announcing that, "We know Australians are doing it tough, and I want to reunite people with millions in unpaid Medicare benefits before the holidays." In the grand spirit of giving, Shorten has a plan. Australians can reclaim their lost loot within three days by undertaking the Herculean task of updating their bank account details on the myGov website. It's like a high-stakes version of changing your password but with a much more tangible reward – immediate funds in time for holiday shopping sprees. According to Shorten, the age group with the most to gain from this unexpected Christmas bonus is 18 to 24-year-olds, collectively owed a jaw-dropping $49 million. It seems like Santa Shorten is making a list and checking it twice, ensuring even the Millennials and Gen Zs get their fair share of financial cheer. While nearly 700,000 lucky Aussies are set to receive a notification about their long-lost financial windfall, there's a Grinchy catch: 300,000 individuals without a myGov account may remain out of reach. It's a modern-day Christmas tragedy – the equivalent of getting coal in your stocking because you forgot to sign up for the "nice" list. Opposition spokesman Paul Fletcher is urging Australians to create a myGov account, stating, "Two minutes on the app, three days later money in your account, good news for Christmas." It's like a financial magic trick - poof, and the money appears! In the midst of this Yuletide monetary magic, opposition spokesman Paul Fletcher throws some shade, claiming the coalition exposed these unclaimed benefits figures in October. "Families are struggling with cost-of-living pressures, and this is their money, not the government's," he declared, sounding like a fiscal superhero fighting for the rights of the underpaid and overtaxed. So, as Aussies rush to create myGov accounts and update their banking details, it's beginning to feel a lot like Christmas. Santa Shorten and his merry band of government officials are on a mission to spread holiday cheer, one direct deposit at a time. Who needs mistletoe when you can kiss your financial worries goodbye, thanks to the jingling sound of unclaimed Medicare benefits? It's the season of giving, after all, and in Australia, Santa Shorten is coming to town. Image: Getty

Money & Banking

Drivers missing out on thousands in unclaimed toll rebates

Motorists in New South Wales could be sitting on hundred of dollars in unclaimed toll rebates and not even know it. After a scheme was introduced by NSW premier Dom Perrottet to help ease cost of living pressures, drivers can get cash back for their road usage. The scheme entitles eligible drivers who spent more than $375 on tolls in the 2022-2023 financial year to a 40 per cent rebate of up to $750. Motorists have until June 30, 2024 to claim the rebate. This financial year, motorists who spend more than $402 on tolls can claim up to $802 back. In order to claim your rebate, you need to be a resident of New South Wales with an active NSW E-Toll or Transurban Linkt account and have already paid for the tolls. Drivers also must have accrued tolls on a vehicle that is privately registered in NSW and have travelled on an eligible NSW road. The toll roads included in the rebate are: <ul> <li>M5 South-West (unless you already claim for the M5 South-West Cashback Scheme)</li> <li>Westlink M7</li> <li>Hills M2</li> <li>NorthConnex</li> <li>WestConnex</li> <li>Sydney Harbour Bridge</li> <li>Sydney Harbour Tunnel</li> <li>Lane Cove Tunnel</li> <li>Eastern Distributor</li> <li>Cross City Tunnel</li> <li>Military Rd E-Ramp (Falcon St off-ramp of the Warringah Fwy).</li> </ul> To access the toll tracker service, you need to link your toll account with your MyService NSW profile before you check your eligibility via the <a href="https://www.service.nsw.gov.au/transaction/claim-the-toll-relief-rebate#eligibility" target="_blank" rel="noopener" data-link-type="article-inline">Service NSW website</a>, select “claim online” and follow the prompts. Once approved, Service NSW says you will receive your rebate within three to eight business days. Image credits: Getty Images

Money & Banking

Everything you need to know about major Medicare shake-up

Medicare is undergoing its biggest shake-up in decades, making it easier for more than 12 million Aussies to visit their GP. Thanks to the sweeping reforms that came into effect on Wednesday, Aussies can now get cheaper visits to GPs and increased access to telehealth services. It is estimated that 12 millions Australians, or three in every five patients, will find it easier to see a bulk-billing GP after incentive payments for the practice tripled in a major boost. General practitioners who bulk-bill concession card holders, pensioners and patients aged under the age of 16 will now receive a $20.65 bonus if they are in a metropolitan area, while the incentive has risen to $39.65 for GPs in regional areas. The previous rates were $6.85 and $13.15 respectively. The tripling of the bulk-billing incentive payment applies to all face-to-face and telehealth GP consultations of up to 20 minutes. The plan was hailed as a "game changer" by the Albanese government, as Health Minister Mark Butler said, "Today is the biggest investment in Medicare for decades." Prime Minister Anthony Albanese added, "Medicare is at the centre of our health system [and] the primary healthcare that GPs deliver makes an enormous difference to people." "[This] happens to be good for the taxpayer as well because... a slight condition dealt with early [and] treated properly ensures it doesn't become an acute condition." Medical and GP advocates welcomed the reforms, saying it will make a big difference to millions of Aussies facing cost-of-living pressures. "But we know more work can be done," Australian Medical Association president Steve Robson said. "We will continue working with the government on developing new programs and initiatives that strengthen primary care and ensure GP-led care is affordable and accessible for all patients." Image credits: Shutterstock

Caring

Who really benefits from private health insurance rebates? Not people who need cover the most

<a href="https://theconversation.com/profiles/yuting-zhang-1144393">Yuting Zhang</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>; <a href="https://theconversation.com/profiles/judith-liu-1467052">Judith Liu</a>, <a href="https://theconversation.com/institutions/university-of-oklahoma-1896">University of Oklahoma</a>, and <a href="https://theconversation.com/profiles/nathan-kettlewell-903866">Nathan Kettlewell</a>, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> The Australian government spends <a href="https://www.health.gov.au/ministers/the-hon-greg-hunt-mp/media/delivering-australias-lowest-private-health-insurance-premium-change-in-21-years">A$6.7 billion a year</a> on private health insurance rebates. These <a href="https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Private-health-insurance-rebate/">rebates</a> are the government’s contribution towards the costs of individuals’ premiums. But our <a href="https://doi.org/10.1002/hec.4751">analysis</a> shows higher rebates for people aged 65 and older are not doing much to encourage them to sign up for private hospital cover, the very group who may benefit the most from it. This and <a href="https://doi.org/10.1080/13504851.2017.1299094">other research</a> point to these rebates largely going to people on higher incomes, ones who’d be more likely to buy private health insurance anyway. <h2>Remind me, what are these rebates?</h2> In <a href="https://www.abs.gov.au/ausstats/abs@.nsf/2f762f95845417aeca25706c00834efa/0aaf3311ebcd3646ca2570ec000c46e4!OpenDocument#:%7E:text=The%20Federal%20Government%2030%25%20Rebate,the%20means%2Dtested%20PHIIS%20rebate.">1999</a>, the Australian government introduced the private health insurance rebate. Initially, the rebate meant the government paid 30% of the cost of private health insurance for everyone, regardless of income or age. Then in 2005, the Howard government increased the rebate rate to 35% for those aged 65-69 and to 40% for those aged 70 and older, regardless of how much they earned. Over time, the rebate rates have decreased slightly and now depend on both income and age. However, the higher discount for older people has always remained. We wanted to understand whether the higher rebates for older people actually encourage them to buy private health insurance. So we looked at data from more than 300,000 people who filed tax returns over more than a decade (2001-2012). We then compared the trends in insurance coverage of people younger than 65 and older than 65, before and after the 2005 rebate policy change. <h2>What we found</h2> We found higher rebates led to a modest and short-term increase in private health insurance take-up. We estimated that lowering premium prices by 10% through higher rebates would only result in 1-2% more people aged 65 and older buying private health insurance in the next two years. This means higher rebates for older people are a very expensive way to get them to insure. People aged 65-74 with income in the bottom 25% of earners were the most likely to buy insurance in response to higher rebates that reduced premium prices. That’s an income under $21,848 in today’s money (income increased to 2023 dollar amount, in line with the <a href="https://www.ato.gov.au/rates/consumer-price-index">consumer price index</a>). <h2>What do we propose?</h2> Our findings suggest a more targeted subsidy program would be a more effective way to increase private health insurance. To achieve this, we recommend lowering income thresholds for rebates to target people of all ages on genuinely low incomes. Currently, people earning as much as $144,000 (singles) or $288,000 (families) can receive rebates. Other evidence to back our proposal comes from <a href="https://melbourneinstitute.unimelb.edu.au/publications/working-papers/search/result?paper=4682822">research</a> released earlier this year. This suggests higher income earners are likely to buy private insurance regardless of rebates. A recent <a href="https://consultations.health.gov.au/medical-benefits-division/consultation-on-phi-studies">consultation report</a> commissioned by the federal health department reviewed a range of health insurance incentives. The <a href="https://consultations.health.gov.au/medical-benefits-division/consultation-on-phi-studies/supporting_documents/Finity%20Consulting%20MLS%20and%20PHI%20Rebate%20Final%20Report.pdf">report</a> recommends removing rebates for those with income higher than $108,000 for singles and $216,000 for families (we recommend removing them at $93,000 for singles and $186,000 for families). The report also recommends increasing rebates for those older than 65 (we believe income, rather than age, is a better marker of someone’s means). <h2>Are rebates good value for money?</h2> We also need to look at whether rebates provide value for money more broadly, and across all ages. <a href="https://grattan.edu.au/wp-content/uploads/2019/12/926-Saving-Health-2.pdf">Existing evidence</a> shows a 10% decrease in premiums due to rebates only leads to a 3.5-5% increase in private health insurance take-up among all Australians. We show this is only <a href="https://doi.org/10.1002/hec.4751">1-2%</a> for people over 65. So rebates are likely to <a href="https://doi.org/10.1016/j.jhealeco.2013.11.007">cost taxpayers more</a> than they generate in savings, and are largely windfalls to those who would privately insure anyway, often those who are financially better off. <h2>What happens if we scrapped the rebates?</h2> It is uncertain how many people would drop private cover if the rebate was removed. But based on research from when the rebate was introduced, the rebate might account for a maximum <a href="https://escholarship.org/content/qt6j47s8kq/qt6j47s8kq_noSplash_be059196ed2d70b94486039f64452494.pdf">10-15 percentage points</a> of the overall take-up rate. Other research suggests it might be much less than this, closer to <a href="https://www.sciencedirect.com/science/article/pii/S016762961300163X?casa_token=C-SdG98Jc2UAAAAA:KJLHBZ2BJhq9wRQQKUbEWPiqoeza1DEi3mZ9Y6O2GereVX1L1x0cJumVgrqBeMGa1ygDjFrPG7T5">2 percentage points</a>. In other words, the rebate only appears to influence a small percentage of people to buy private health insurance. So scrapping it would likely have a similarly small effect. Then there’s the impact of scrapping the rebate, people dropping their cover and putting more pressure on the public system. Earlier this year, we found private health insurance had <a href="https://theconversation.com/does-private-health-insurance-cut-public-hospital-waiting-lists-we-found-it-barely-makes-a-dent-211680">minimal impact</a> on reducing waiting times for surgery in Victorian public hospitals. So scrapping the rebate might have minimal impact on waiting lists. Taken together, the billions of dollars a year the government spends to subsidise private health insurance via rebates might be better directed to public hospitals and other high-value care, including primary care and preventive care.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/212611/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/yuting-zhang-1144393">Yuting Zhang</a>, Professor of Health Economics, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a>; <a href="https://theconversation.com/profiles/judith-liu-1467052">Judith Liu</a>, Assistant Professor of Economics, <a href="https://theconversation.com/institutions/university-of-oklahoma-1896">University of Oklahoma</a>, and <a href="https://theconversation.com/profiles/nathan-kettlewell-903866">Nathan Kettlewell</a>, Chancellor's Research Fellow, Economics Discipline Group, <a href="https://theconversation.com/institutions/university-of-technology-sydney-936">University of Technology Sydney</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/who-really-benefits-from-private-health-insurance-rebates-not-people-who-need-cover-the-most-212611">original article</a>.

Legal

"Ignore, delete and report": Cruel Medicare scam on the rise

The Australian Competition and Consumer Commission’s Scamwatch has warned Aussies against a suspicious Medicare email going around claiming that their services have been suspended. The email states that Medicare services have been suspended because of incomplete customer medical records and contains a link for them to update their medical records to access the service. “Fake emails impersonating Medicare are doing the rounds claiming Medicare services have been suspended," a spokesperson for the consumer watchdog wrote in a tweet. “Ignore the email and the instruction to reactivate your Medicare services — it’s a scam.” "Ignore, delete, and report to Scamwatch." <blockquote class="twitter-tweet"> <a href="https://twitter.com/hashtag/scamalert?src=hash&ref_src=twsrc%5Etfw">#scamalert</a>: Fake emails impersonating Medicare are doing the rounds claiming Medicare services have been suspended. Ignore the email and the instruction to reactivate your Medicare services - it's a scam. Ignore, delete, and report to Scamwatch <a href="https://t.co/qPicjZTOSW">https://t.co/qPicjZTOSW</a> <a href="https://t.co/8UhY7JnlFk">pic.twitter.com/8UhY7JnlFk</a> — NASC Scamwatch (@Scamwatch_gov) <a href="https://twitter.com/Scamwatch_gov/status/1689849418793566208?ref_src=twsrc%5Etfw">August 11, 2023</a></blockquote> Services Australia also advised customers to beware of emails and texts that sound urgent, make promises of financial benefit, and threaten with fines, debts or jail. “If you’ve clicked on a suspicious link or given your personal information to a scammer, call our <a href="https://www.servicesaustralia.gov.au/phone-us?context=64107" target="_blank" rel="noopener">Scams and Identity Theft Helpdesk</a>,” the website states. Image: Getty

Legal

Should you register with a GP? What is MyMedicare and how might it change the care you get?

<a href="https://theconversation.com/profiles/anthony-scott-10738">Anthony Scott</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> <a href="https://www.health.gov.au/our-work/mymedicare">MyMedicare</a> is a new voluntary scheme that allows patients to register with their usual GP, in an attempt to improve continuity of care and health outcomes. From October 1, the scheme will give registered patients access to longer telehealth consultations. Then, from next year, GP clinics with patients who are frequently admitted to hospital or are aged care residents will be able to access additional “blended” funding, which sits outside Medicare’s usual fee-for-service. MyMedicare was announced in the May budget, with A$19.7 million of funding over four years, alongside a range of <a href="https://www.health.gov.au/sites/default/files/2023-05/building-a-stronger-medicare-budget-2023-24_0.pdf">other health reforms</a>, including funding for practice nurses to improve team-based care, as well as new incentives to increase bulk billing rates. We’re still waiting on a lot of detail about how the scheme will function. But here’s what we know so far – and what it might mean for patients and GPs. <h2>What do we know about MyMedicare?</h2> The scheme is voluntary for GPs and patients. In addition to patients opting in, GPs will also need to sign up, and have been able to do so since the start of July. There will be a gradual roll out and it will take three years to cover all of Australia. Though details are yet to be confirmed, from mid-2024 individual GPs will receive “<a href="https://www.acponline.org/about-acp/about-internal-medicine/career-paths/residency-career-counseling/resident-career-counseling-guidance-and-tips/understanding-capitation">capitation</a>” payments for patients who have more than ten hospital admissions per year. These patients are likely to have complex needs and multiple conditions and, for various reasons, may not be able to access a GP as much as they should. Though not yet confirmed, GPs are likely to <a href="https://www.ausdoc.com.au/news/the-mymedicare-enrolment-scheme-is-open-for-gp-practices-should-you-sign-up-now/">receive</a> $2,000 per patient per year, plus a $500 bonus for keeping patients out of hospital. The funding provides incentives for the GP to coordinate their care and provide the patient with access to nursing and allied health if required. It’s hoped this will stop patients going to hospital as often. There will also be similar payments for providing regular visits to patients in residential aged care facilities. <h2>Will MyMedicare make a difference to patients?</h2> Let’s consider four key areas patients are concerned about: 1) Continuity of care Research shows greater <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/j.1365-2753.2009.01235.x">continuity of care</a> – developing a relationship with and seeing the same provider or team for your care – improves patient outcomes and reduces costs to the health system. People who use MyMedicare to get a regular GP may see some of these benefits. But many patients already see the same GP or visit the same practice, especially those with chronic conditions. So registration with a practice may not make much difference for this group of patients. What are the other benefits of registration? 2) Reducing hospital admissions Avoiding hospitals can be beneficial – in hospitals, there are no home comforts, they are inconvenient for you and relatives, there is little privacy, and they can be costly. Patients with ten or more hospital admissions in a year have been targeted as they have more complex chronic conditions and may be from vulnerable populations. Better access to a GP could prevent patients visiting the emergency department or prevent overnight hospital admissions. Research shows financial incentives for GPs to better manage chronic disease <a href="https://journals.sagepub.com/doi/full/10.1177/01410768211005109">can reduce hospital admissions</a>. However, <a href="https://bmjopen.bmj.com/content/5/4/e007342?cpetoc=&int_source=trendmd&int_medium=trendmd&int_campaign=trendmd">hospital admissions could also increase</a> if the scheme identifies significant levels of previous unmet need. 3) Reducing barriers to care MyMedicare does not directly address many of the <a href="https://link.springer.com/article/10.1186/1475-9276-12-18">barriers to accessing GP services</a>. If GPs are getting paid more and still getting fee for service payments, will MyMedicare patients be guaranteed to be bulk billed? This has not yet been mentioned, but could be an important part of the scheme to attract patients. People with chronic disease have <a href="https://grattan.edu.au/report/not-so-universal-how-to-reduce-out-of-pocket-healthcare-payments/">two to three times higher</a> out-of-pocket costs than those who do not, and <a href="https://healthsystemsustainability.com.au/the-voice-of-australian-health-consumers/">30%</a> of patients with chronic disease would find it difficult to pay for care if they became seriously ill. Unfortunately MyMedicare will not directly reduce out-of-pocket costs, which may be the real reason why people use “free” emergency department care. 4) Making it clear and easy to sign up It is also unclear how the process of registration will work for patients. Will patients be offered a choice of alternative GPs? If chosen, will GPs be obliged to take them? At the moment, there are no public data about out-of-pocket costs and quality of care provided by different GPs, and so it will be impossible for patients to make an informed choice. Information to inform choice on a website would be useful, as is the case for <a href="https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder">specialists</a>. It’s also unclear if patients who chose to register will find it harder to move GPs or continue to see other GPs if they wish to. The advantages to patients of MyMedicare need to be made clear to encourage them to register and be supported to exercise informed choice if they wish. <h2>Will it make a difference for GPs?</h2> Patient registration can mean a more secure and predictable stream of future income for some patients and also less competition (in terms of “losing” patients to other GPs) and more continuity of care. Moving away from fee for service towards a blended payment model is <a href="https://www.cochranelibrary.com/cdsr/doi/10.1002/14651858.CD011865.pub2/full">widely recognised</a> to support higher value health care. Yet GPs are wary of moving from fee for service to capitation payment. Capitation payments are fixed, so GPs take on more financial risk if they have more complex patients who are more costly to treat and manage in terms of time and effort. Whether the $2,000, plus $500 bonus, plus normal fee for service payments are sufficient to cover the costs of treating very complex patients is unclear. Overall, GPs will get more money, and along with the other announcements in the budget, will receive a significant investment of resources invested in primary care. Our previous <a href="https://onlinelibrary.wiley.com/doi/abs/10.1002/hec.3572">research</a> has shown a 5% increase in earnings for GPs is predicted to reduce the total number of GPs by up to 1% (equivalent to around 310 GPs in 2021) at a time of significant GP shortages. If they get paid more, they would prefer to work less. But this could also be offset because the increase in funding will hopefully make general practice more attractive as a career and so there will be more postgraduate doctors <a href="https://www.sciencedirect.com/science/article/pii/S0167629612000902">choosing to be a GP</a>. Voluntary patient registration under MyMedicare has potential to strengthen the relationship between patients and their GP, and focuses on keeping patients out of hospital and properly cared for in residential aged care. But the devil is in the detail and we will need a proper evaluation to determine the impacts on health outcomes, costs and access to health care. <img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/206183/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/anthony-scott-10738">Anthony Scott</a>, Professor of Health Economics, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> Image credits: Getty Images This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/should-you-register-with-a-gp-what-is-mymedicare-and-how-might-it-change-the-care-you-get-206183">original article</a>.

Caring

Federal Budget 2023: How to make the most of the key promises

Treasurer Jim Charles has handed down his first budget for 2023/24, offering a series of measures aimed at tackling the cost-of-living crisis. Millions of Australians will receive a boost from the federal government medical care, bills and welfare payments, amid the forecast that the budget will be be in the black with a surplus of $4bn. Here’s what it means for you: Bill help Those who are on the pension, a seniors card holder or a recipient of family tax benefits A and B will be eligible to get help with energy bills thanks to a deal between the states and Commonwealth that’s worth $1.5bn. That means over five million eligible households and one million eligible small businesses will benefit from the scheme. The relief will come in the form of credits that apply directly to their power bills rather than cash, and the amount they receive will depend on the state they live in. Medicare Relief The incentives paid to GPs who bulk bill 11.6m eligible Australians including children under 16, pensioners and other concession card holders will increase. GPs will be able to claim the incentives for in-person consultations over six minutes long and certain telehealth consultations. GPs who bulk bill patients in the city will be paid a new incentive of $20.65 compared to the previous rate of $6.60, while regional GPs will receive a $31.40 incentive, up from $10.05. Welfare recipients Over 1.1 million vulnerable Australians will benefit from a $40 fortnightly boost from September, if parliament agrees. The increased base rate will apply to people receiving JobSeeker, Youth Allowance, Parenting Payment (partnered), ABSTUDY, Disability Support Pension (Youth) and Special Benefit. Rental assistance For many renters, this budget means that rent is forecasted to increase over the next year as the market tightens. However, for those currently receiving the maximum Commonwealth Rent Assistance allowance their payments will increase by 15 per cent. Here’s what the Federal Budget will look like at a glance: <ul> <li dir="ltr"> Budget deficit of $13.9 billion in 2023/24 </li> <li dir="ltr"> Commonwealth net debt to rise to $574.9 billion (22.3 per cent of GDP) in 2023/24 </li> <li dir="ltr"> Economic growth to fall to 1.5 per cent in 2023/24 </li> <li dir="ltr"> Unemployment rate to rise to 4.25 per cent in 2023/24 </li> <li dir="ltr"> Inflation as measured by CPI to be 3.25 per cent in 2023/24 </li> <li dir="ltr"> Wages to rise by four per cent in 2023/24 </li> </ul> And here are the key measures the federal budget has promised: <ul> <li dir="ltr"> Energy bill relief for five million households and one million businesses </li> <li dir="ltr"> Triple bulk-billing incentives and more funding for urgent care clinics </li> <li dir="ltr"> Base rate of JobSeeker and other payments to be raised for 1.1 million households </li> <li dir="ltr"> Commonwealth Rent Assistant rise for 1.1 million households </li> <li dir="ltr"> Housing boost including tax breaks for build-to-rent investors </li> <li dir="ltr"> $4 billion extra for renewable energy </li> <li dir="ltr"> Tax breaks for small business to write-off assets and reduce energy costs </li> <li dir="ltr"> Targeted help for jobless aged over 55 </li> <li dir="ltr"> Cut to cost of medicines </li> </ul> Image: Getty Images/ Martin Ollman / Stringer

Money & Banking

Getting life cover can mean a 15% rebate for you

We all have loved ones who rely on us. Life insurance offers security, but so many of us are doing it tough at the moment that another outgoing seems scary. <a href="https://lp.compareclub.com.au/life-oversixty/?utm_medium=partner&utm_source=over60&utm_campaign=life&utm_content=nativearticle&category=life" target="_blank" rel="noopener">OverSixty is partnering with Compare Club</a> to find ways you can still protect your family, without breaking your retirement budget. For example: Did you know you’re able to split your life insurance so some of it’s paid in your super fund? It’s true! Accessing your life cover like this gives you a way to: <ul> <li>Keep your out-of-pocket expenses low.</li> <li>Access discounted premiums: your 15% rebate makes dollars and good sense.</li> <li>Afford better cover with more benefits for you - and your family.</li> </ul> <a href="https://lp.compareclub.com.au/life-oversixty/?utm_medium=partner&utm_source=over60&utm_campaign=life&utm_content=nativearticle&category=life" target="_blank" rel="noopener">Compare Club’s life cover experts</a> have this knowledge at their fingertips. They’re experts who have been helping Aussies save money on insurance policies since 2010. You don’t need to puzzle it all out on your own either. Compare Club’s brokers match policies to people’s real-life circumstances - and handle your paperwork. Compare Club looks at policies from Australia's leading life insurers#, so talk to an expert today about your future, and your family. <h4 style="box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; font-family: -apple-system, 'system-ui', 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif, 'Apple Color Emoji', 'Segoe UI Emoji', 'Segoe UI Symbol', 'Noto Color Emoji'; line-height: 1.2; color: #212529; font-size: 1.5rem; background-color: #ffffff;">Call 1300 863 204 now, or <a href="https://lp.compareclub.com.au/life-oversixty/?utm_medium=partner&utm_source=over60&utm_campaign=life&utm_content=nativearticle&category=life" target="_blank" rel="noopener">click here</a> to save today!</h4> The information contained in this guide is of general nature only and has been prepared without taking into consideration your objectives, needs and financial situation. As such, it is important that you consider the appropriateness of any advice and the relevant product disclosure statement (PDS) before proceeding. Check with a financial professional before making any decisions. #Compare Club compares selected products from a panel of trusted insurers. We do not compare all products in the market.

Money & Banking

Melbourne mother to be jailed with baby

A Melbourne mother and her son will face up to at least 12 months behind bars after she stole almost $200,000 from Medicare while employed at a medical clinic. Sarah Ward, 31, made more than 1,600 false claims to Medicare, sometimes up to 80 a day, while working as a medical receptionist at the Melbourne Digestive Centre. It was not the first time the mother had committed fraud while working in the medical field. Ward had just completed a sentence for stealing $29,000 from Cabrini Hospital, where she worked for five years before being terminated. The County Court Judge Geoff Chettle sentenced Ward to two years, ordering her to serve at least 12 months in jail after she pleaded guilty to a single charge of obtaining a financial advantage by deception from a Commonwealth entity. The 31-year-old mother of two stole $181,121.75 from Medicare between March 2019 and April 2020. Out of the 1,609 false claims, her name was on 781 and her husband’s name was on 828, with refunds transferred into bank accounts for both of them. Her fraud was discovered when the clinic’s accountants tipped off authorities and Medicare. Ward told a psychologist she believes she was inadequately paid and wished to keep up with her affluent friends, wanting to buy better clothing for her children and a better car. Judge Chettle said Ward had wanted to keep up with the lifestyles she saw on social media. Ward believed if she was not able to accumulate the money to match the affluent lifestyles she so desired, then it would result in her experiencing recurrent rejection and would remain on the periphery of social groups, according to Chettle. Her offending involved planning and sophistication which was both repetitive and long-lasting. She obtained a hefty amount of funds, and breached the trust placed in her by her employees, Chettle said. Ward was fired by the clinic as soon as the offence was uncovered, she then went to work for a psychology practice who were unaware of her fraud. She has been on maternity leave since February 2022, but seems destined to lose that job once she’s behind bars, the judge said. The court was told Ward had repaid the money in full, taking $100,000 from a mortgage offset account and selling a $70,000 car. She also allegedly borrowed money from her mother. Ward has two children, aged one and three. The one-year-old will go into custody with her as part of a Corrections Victoria’s Living with Mum program. Former colleague Vanessa Whitelaw attended Ward’s court hearings to get closure after a traumatic period within what was described as a tight-knit workplace. Co-workers had wondered about Ward’s luxurious lifestyle, Whitelaw said. We thought it was very strange — she was very young, (with a) new family, mortgage, driving around in a $150,000 vehicle, Gucci scarves, fancy shoes,” she said. “But never in a million years did we think that this was going on behind the scenes.” We thought it was very strange — she was very young, (with a) new family, mortgage, driving around in a $150,000 vehicle, Gucci scarves, fancy shoes,” she said. “But never in a million years did we think that this was going on behind the scenes.” Image credit: Getty

Legal

“So tone deaf”: Karl loses it over Medibank bosses' massive bonuses

Karl Stefanovic has slammed the top bosses at Medibank after it has been revealed they will be taking home millions in bonuses amid the company’s cyber attack crisis. While ten million of Medibank’s customers are learning whether their personal data has made it onto the dark web - and fork out cash to keep themselves safe - bosses will still be collecting a total of $7.3 million in bonuses. Joel Andrews, one customer whose data has been stolen, told Today that “it’s disgusting” that bosses aren’t willing to give up their bonuses despite affected customers facing financial losses. “I’m furious,” Andrews said. “To think that it’s taken them a month to get this information out to us and say what’s been released, I understand it takes time to find these things out but it’s taken them that long. “They promised early on that they would act quickly because it’s such a time-sensitive issue, and it feels like they have just left it up to them, on their timing.” “I mean you’ve got the Medicare boss getting $1.5 million in bonuses last financial year,” co-host Ally Langdon said. “He also receives 150 percent of his fixed salary in shares … it’s pretty tone deaf, isn’t it?” “It’s disgusting,” Andrews replied. "To think that all of the customers out there, ten million customers, if each of them have to pay for their own software to do data protection, losses to them are around $100 each,. "That's a significant loss to each person and they are not willing to give up their bonuses." Stefanovic, who found out he was also a victim of the attack just two days ago, said he had “no sympathy” for the company as it faces declining share prices and hefty costs as a result of the attack and agreed the bonuses were “disgusting”. “It’s a failure across the board and they’re giving themselves bonuses,” the Today Show host said. “It’s unbelievable. "This is so tone deaf, it is one of the most tone deaf things I have seen a corporation do in Australia for a long, long time.” The health insurance company has come under fire for how it handled the cyber attack, with customers’ data being leaked onto the dark web after it refused to pay a ransom and affected customers finding out if they’ve been targeted more than a month later. As the Australian Federal Police continue their investigation into the attack, they have promised to take swift action against anyone who accesses the private data shared on the dark web. Affected customers who aren’t happy with Medicare’s actions or its handling of the situation have also begun proceedings to file a lawsuit against the company. Image: The Today Show

Money & Banking

Cost of prescription meds to be slashed

From the beginning of 2023, the price of prescription medications will be slashed in a new cost-of-living measure by the federal government. Australians' co-payment for scripts under the Pharmaceutical Benefits Scheme (PBS) will be capped at $30 as opposed to the current maximum co-payment of $42.50. That will save people who have multiple regular medications hundreds of dollars each year. The measure will also help prevent people having to decide between spending their money on medicines or other essentials. Measures won’t come into effect until January 1, with the Albanese government tabling the bill in parliament on Wednesday. Health Minister Mark Butler said almost a million Australians delayed or avoided filling prescriptions, citing recent research. <p style="box-sizing: inherit; margin: 0px 0px 5px; padding: 0px; border: 0px; font-size: 16px; vertical-align: baseline; color: #323338; font-family: Roboto, Rubik, 'Noto Kufi Arabic', 'Noto Sans JP', sans-serif; background-color: #ffffff; outline: none !important;">“This change will put close to $200 million back in the pockets of Australians each year." <p style="box-sizing: inherit; margin: 0px 0px 5px; padding: 0px; border: 0px; font-size: 16px; vertical-align: baseline; color: #323338; font-family: Roboto, Rubik, 'Noto Kufi Arabic', 'Noto Sans JP', sans-serif; background-color: #ffffff; outline: none !important;">Image: Getty

Money & Banking

Why bulk billing may be on the verge of collapse

If you’ve noticed that trips to the doctor are getting more expensive, you’re not the only one. With a continuing decline in the number of local GPs, a shortfall of doctors trained overseas arriving in Australia, rising operating costs and plummeting revenue from Medicare rebates, many clinics have been left with no other choice than to start charging fees, including those who need their services most. Over the past decade, the average out-of-pocket expenses for GP services have risen by 60 percent, as reported by <a href="https://www.dailymail.co.uk/news/article-11081047/Australian-GPs-say-bulk-billing-brink-collapse.html" target="_blank" rel="noopener">The Daily Mail</a>. As a result, a growing number of GPs are starting to advise their patients that they can no longer bulk-bill, a practice the Royal Australian College of General Practitioners vice-president Bruce Willett says is no longer sustainable. “It’s now got to the point where practices can no longer sustain bulk billing,” he told The Australian. Director Peter Stratmann said bulk billing no longer being a viable option has resulted in the sector heading to the brink of collapse, with clinics closing and a need to charge fees to make ends meet. “We've seen practices having to close and increasingly in the last number of weeks we've seen practices impose private billing fees, because otherwise they won't make it,” Dr Stratmann said. “They just can't make ends meet without imposing some private fees.” Dr Stratmann admitted that this will put pensioners in a difficult position and that he fears they will overwhelm the hospital system for non-urgent care. In 2021, almost nine out of ten GP visits in Australia were bulk billed with no out-of-pocket expenses for the patient, with GP bulk billing rates growing to a record high of 88.4 percent in the December quarter according to Medicare data. The news comes just days after health minister Mark Butler addressed the issues facing primary care at the annual Australasian Medical Association conference, saying it is in “worse shape than it’s been in the entire Medicare era”. “It's hard enough to get a GP right now and we know that the current generation of older GPs are pretty exhausted, particularly over the last two and a half years, and we just do not have the pipeline coming through,” Mr Butler said. 'It is probably the most terrifying trend that I see in primary care.' As part of its commitment to general practice, the federal government has established the Strengthening Medicare Taskforce, boosted by a $750 million Strengthening Medicare fund. “The government is committed to ensuring Australians get the care they need, when they need it and without worrying about the cost,” Mr Butler said. Image: Getty Images

Caring

Mental distress is rising, especially for low-income middle-aged women. Medicare needs a major shakeup to match need

Mental health services are poorly targeted, outcomes are getting worse, and out-of-pocket payments are increasing. The new government faces a tough challenge in improving mental health. This year marks 30 years since the first <a href="https://journals.sagepub.com/doi/10.1080/00048679309075767">national mental health policy</a>. The latest <a href="https://www.health.gov.au/resources/publications/the-australian-governments-national-mental-health-and-suicide-prevention-plan">national mental health and suicide prevention plan</a> is the sixth of its kind. But services are increasingly <a>fragmented and chaotic</a> and the number of people reporting <a href="https://doi.org/10.3389/fpsyt.2022.815904">very high psychological distress</a> was rising even before COVID. Medicare spending and out-of-pocket mental health-care costs are increasing but those most needing care aren’t getting it: mental health services use <a href="https://theconversation.com/when-its-easier-to-get-meds-than-therapy-how-poverty-makes-it-hard-to-escape-mental-illness-114505">goes up in better-off areas</a> where mental health-care needs are lower. A new government needs to address this mental health triple-whammy of spending, costs and areas of need. <h2>Middle-aged women on low incomes are struggling</h2> Very high psychological distress is rising most steeply in the middle-aged; <a href="https://doi.org/10.3389/fpsyt.2022.815904">more than doubling</a> for women aged 55–64 (3.5% to 7.2%) from 2001–2018. Earning less is associated with much <a href="https://doi.org/10.3389/fpsyt.2022.815904">worse mental health</a>. When we combine gender and income, we see that of men in the highest 20% income bracket, just 0.4% have very high psychological distress. The rate of this high level of distress is 28 times greater (11.9%) for women in the lowest 20% income bracket. So, mental health services should be targeted to people with low incomes, particularly middle-aged women. But Medicare for mental health fails any reasonable <a href="https://doi.org/10.5694/mja14.00330">test of universality</a> that would mean equitable delivery of mental health care for all Australians. Rather, it follows an “<a href="https://theconversation.com/three-charts-on-why-rates-of-mental-illness-arent-going-down-despite-higher-spending-97534">inverse care law</a>” that sees those needing the most getting the least. Often, poorer individuals in mid-life and in poorer communities – who really need psychological, allied health and psychiatric services – only get a minimal level of GP treatment, sometimes so restricted in range that it <a href="https://doi.org/10.1177%2F0004867419857821">makes mental health worse</a>. <h2>Help is out of reach for many</h2> This mismatch between need and services follows from a market-driven service model. Most Commonwealth government mental health-care support is through Medicare rebates – supporting services by GPs, psychiatrists and psychologists. Medicare rebates are for services provided by individual clinicians, rather than oriented toward team-based care. A GP can unlock additional mental health support through a “mental health treatment plan”, or a psychiatrist referral, allowing Medicare rebates for visits to psychologists or other professionals. But here’s the rub. These visits often require out-of-pocket payments of more than <a href="https://grattan.edu.au/wp-content/uploads/2022/03/Not-so-universal-how-to-reduce-out-of-pocket-healthcare-payments-Grattan-Report.pdf">A$200 per year</a>, with only about 40% of people having all their Medicare-subsidised psychologist services bulk-billed. And these plans are only [reviewed by their GP about <a href="https://www.mja.com.au/journal/2019/210/7/runaway-giant-ten-years-better-access-program#panel-article">half the time</a>. So Medicare support for psychiatrists and psychologists is inequitable and poorly targeted. Essentially, both psychologists and psychiatrists are out of reach for people on low incomes. <h2>Agree on where we’re heading</h2> Taxpayers get better value for money when there is a closer alignment between spending and need. The first step in service redesign is agreeing on a destination. The current expression of what the mental health system should look like, in operational terms rather than policy waffle, is the <a>national mental health strategic planning framework</a>. But this does not consistently guide planning and it needs revision. It should incorporate how social drivers of health, including relative disadvantage, affect community mental health-care needs. The government also needs to decide whether it will direct more money into mental health; there was no pre-election commitment to this. Mental health needs – especially for people on low incomes – are not being met. Without extra money, redistribution of funding will be required. The current “haves” will argue vociferously against redistribution to the “have-nots”, causing political pain. <h2>A fresh frame</h2> Commonwealth responses to addressing mental health needs have been siloed and poorly integrated into broader health care. Labor’s pre-election <a href="https://www.alp.org.au/policies/strengthening-medicare-taskforce">Strengthening Medicare policy</a> provides new context and the potential for a more integrated response to mental health needs. In the next five to ten years, <a href="https://www.smh.com.au/politics/federal/australians-encouraged-to-register-with-a-gp-under-new-funding-model-20211111-p59858.html">block payments to GPs</a> for patients enrolled with their practice will supplement fee-for-service and performance payments. But where will mental health fit in? And what opportunities might enrolment present for improving access to integrated primary mental health care for everyone? Enrolment-based funding will need to be risk-adjusted, with higher payments for patients with greater needs. Mental health status should be calculated as a health factor in the new formula. Then, general practices caring and supporting more people living with mental illness would attract higher funding. Risk-adjustment also should be higher for people with social or economic drivers of poor mental health, such as unemployment. Then we need to figure out what services and support GPs would provide for the new enrolment payments. A low payment, implying few extra services, would not drive the significant transformations needed in mental health-care provision. A higher payment, perhaps phased in, could help reshape mental health care. Existing funding for mental health-care plans could be collapsed into the enrolment payment. So could the cost of a psychologist and other services which these plans unlock. <h2>A new funding model</h2> Funding should allow allied health professional such as social workers and occupational therapists to use their discipline-specific skills. GPs would be able to employ psychologists and other providers directly or subcontract them. Primary health networks might also have a role here in accrediting services or developing service networks with GPs. A new funding model, involving funding weighted for those in greatest need, and more closely integrated into general practice, could transform access to mental health services. It would be more equitable and seamless, leading to higher quality care for the same cost. Image credits: Getty Images This article originally appeared on <a href="https://theconversation.com/mental-distress-is-rising-especially-for-low-income-middle-aged-women-medicare-needs-a-major-shakeup-to-match-need-184635" target="_blank" rel="noopener">The Conversation</a>. <div style="caret-color: #000000; color: #000000; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; --tw-translate-x: 0; --tw-translate-y: 0; --tw-rotate: 0; --tw-skew-x: 0; --tw-skew-y: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-ring-offset-width: 0px; --tw-ring-offset-color: #fff; --tw-ring-color: rgba(51,168,204,0.5); --tw-ring-offset-shadow: 0 0 #0000; --tw-ring-shadow: 0 0 #0000; --tw-shadow: 0 0 #0000; --tw-shadow-colored: 0 0 #0000; background-color: transparent; border: 0px; font-size: 18px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" data-react-class="Tweet" data-react-props="{"tweetId":"1514384866103947268"}"> <div style="--tw-translate-x: 0; --tw-translate-y: 0; --tw-rotate: 0; --tw-skew-x: 0; --tw-skew-y: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-ring-offset-width: 0px; --tw-ring-offset-color: #fff; --tw-ring-color: rgba(51,168,204,0.5); --tw-ring-offset-shadow: 0 0 #0000; --tw-ring-shadow: 0 0 #0000; --tw-shadow: 0 0 #0000; --tw-shadow-colored: 0 0 #0000; background-color: transparent; border: 0px; font-size: 18px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; caret-color: #000000; color: #000000; font-family: 'Libre Baskerville', Georgia, Times, 'Times New Roman', serif; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;"> <div style="--tw-translate-x: 0; --tw-translate-y: 0; --tw-rotate: 0; --tw-skew-x: 0; --tw-skew-y: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-ring-offset-width: 0px; --tw-ring-offset-color: #fff; --tw-ring-color: rgba(51,168,204,0.5); --tw-ring-offset-shadow: 0 0 #0000; --tw-ring-shadow: 0 0 #0000; --tw-shadow: 0 0 #0000; --tw-shadow-colored: 0 0 #0000; background-color: transparent; border: 0px; font-size: 18px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"> </div> </div> </div> <p style="caret-color: #000000; color: #000000; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none; --tw-translate-x: 0; --tw-translate-y: 0; --tw-rotate: 0; --tw-skew-x: 0; --tw-skew-y: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-ring-offset-width: 0px; --tw-ring-offset-color: #fff; --tw-ring-color: rgba(51,168,204,0.5); --tw-ring-offset-shadow: 0 0 #0000; --tw-ring-shadow: 0 0 #0000; --tw-shadow: 0 0 #0000; --tw-shadow-colored: 0 0 #0000; background-color: transparent; border: 0px; font-size: 18px; margin: 0px 0px 18px; outline: 0px; padding: 0px; vertical-align: baseline;">

Mind

Oatlands tragedy: Family faces costly medical bills after no access to Medicare

<div class="post_body_wrapper"> <div class="post_body"> <div class="body_text "> Rania Geagea Kassas is dealing with every parent’s nightmare as she begged people to pray for her son who has been in a coma for over a week. Earlier this month, the young boy was walking with his cousins to get ice cream when an alleged drunk driver mounted the footpath and hit the children. The child suffered critical injuries to his head and spine and was placed in an induced coma. Sadly, he is yet to realise that the accident took the lives of his four cousins and best friends; Antony, Angelina and Sienna Abdallah and Veronique Sakr. “He needs your prayers now,” his mother told 10 News First. “I think he is happy with his cousins like he is in heaven, and then he’s going to come back after the funeral and he’s going to tell us about … his trip.” The three Abdallah children were laid to rest in a beautiful ceremony held at the Maronite Catholic rite at Our Lady of Lebanon Co-Cathedral in Harris Park yesterday. Two more children were injured in the crash, but they have since been discharged from hospital and being taken care of by their family. The boy remains in the intensive care unit at Sydney’s Westmead Children’s Hospital. He is in a stable condition and is in an induced coma and is being monitored every two to three hours. His uncle, Anthony Geagea revealed that he could remain in a coma for up to six months and they won’t know just how much damage has been caused to his brain and spine until after he wakes up. “When he wakes up, the doctor will give us a full diagnosis,” he said. Currently, the driver’s Compulsory Third Party (CTP) insurance will cover the immediate hospital bills but the family’s neighbour has set up a <a rel="noopener noreferrer" href="https://www.gofundme.com/f/team-charbel-kassas" target="_blank">GoFundMe</a> page to help ease the financial burden once the boy has woken up. His parents do not have access to Medicare as they’ve only been in Australia for a short time. “All medical expenses are out of pocket and will increase dramatically,” says the fundraising page. “Any donation made towards this beautiful humble family is greatly appreciated.” The boy’s parents have not been able to return to work, and won’t be able to for some time as he needs full-time care. “We don’t know what is going to happen – maybe he will need medicine, maybe he will need lots of equipment,” said his mother. So far, close to $130,000 have been raised as they attempt to reach their $150,000 goal. </div> </div> </div>

Caring

The “worst of the worst” products that are “ripping off and misleading” Aussie shoppers

Consumer group Choice has called out some of the “worst-of-the-worst” products being sold to Aussies in their 14th annual Shonky Awards. Choice CEO Alan Kirkland said in a statement the award aims to highlight the items Australian consumers should avoid as they are “ripping off” and misleading” shoppers. “Choice’s job is to stand up against companies doing the wrong thing. The Shonkys draw upon our unique testing, reviews and advocacy to help you identify the worst-of-the-worst,” Mr Kirkland said. “In a time of fake reviews, cash for comment, salespeople and lobbyists everywhere, it’s more important than ever for independent voices to tell the truth. “Following the banking royal commission, it’s no surprise that financial services businesses are such a feature of this year’s Shonkys.” 2019 Shonky Winners Kogan The online retailer has earnt themselves a shonky award this year for their “poor” customer service. Topping the NSW Fair Trading complaint register, the retailer has clocked over 300 complaints from January to July in 2019. Mr Kirkland says Kogan should “stop beating around the bush when its products are defective”. “Kogan must simplify the process for refunds, repairs and replacements to meet community expectations and the law”. He also mentioned the company must improve its customer service, and their refunds and returns policy. Medicare Medicare has been called out by Choice for their “basic” cover health insurance actually costing more than the cheapest “bronze” cover in NSW, the ACT, Northern Territory, South Australia, Western Australia and Tasmania. Mr Kirkland said: “2019 is the first year that private health insurance has topped the list of financial worries in Choice’s regular national surveys, and it’s easy to see why. <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/BsZlUPMlzNV/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" rel="noopener" href="https://www.instagram.com/p/BsZlUPMlzNV/?utm_source=ig_embed&utm_campaign=loading" target="_blank">A post shared by Artyguy (@aussieartyguy)</a> on Jan 8, 2019 at 8:04pm PST </div> </blockquote> “A new system that was meant to make things simpler has turned into a mess. Medibank’s ‘basic’ junk cover costs more than many higher-cover bronze policies. Medibank deserves a Shonky for failing at the basics — simple and affordable health insurance.” IKEA The Swedish furniture retailer has taken a spot on the 2019 Shonky Awards list for their Nedkyld fridge after it's score came in at just 35 per cent for food and freshness, and further failing an energy test. <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/B077R4PnK5z/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" rel="noopener" href="https://www.instagram.com/p/B077R4PnK5z/?utm_source=ig_embed&utm_campaign=loading" target="_blank">A post shared by Arjun Singh Jain (@arjunsinghjain)</a> on Aug 9, 2019 at 1:21am PDT </div> </blockquote> The Ikea Nedkyld is one of the worst fridges we’ve ever tested,” Mr Kirkland said. “Not only is it terrible at keeping your food cold, when Choice tested the Nedkyld’s energy use against its star rating, it failed the test. “It’s hard to understand how this fridge is still on sale in Ikea stores, especially with a misleading energy label.” AMP superannuation Choice has given AMP superannuation a Shonky award for their being over one million “zombie” super accounts eating away at the retirements of Aussies. Based on APRA data: “AMP received some of the strongest criticism from the banking royal commission — and it was deserved. If your superannuation is with AMP, chances are you’ve had your retirement leeched off of to fund its executives’ lifestyles,” Mr Kirkland said. “Choice has partnered with the new consumer group — Super Consumers Australia — and found that AMP holds the largest number of zombie accounts of any other super fund — accounts that sit there being wasted away by fees and insurance. <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/BacX4Bkjp1X/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" rel="noopener" href="https://www.instagram.com/p/BacX4Bkjp1X/?utm_source=ig_embed&utm_campaign=loading" target="_blank">A post shared by AMP Australia (@amp_au)</a> on Oct 19, 2017 at 1:39pm PDT </div> </blockquote> “For AMP, it’s money for doing nothing. Managing people’s retirement funds isn’t your average business — there’s a higher moral standard to meet when it comes to people’s security and comfort in older age, and AMP have failed this standard.” An AMP spokeswoman told <a rel="noopener" href="https://www.news.com.au/finance/business/retail/choice-shames-products-in-2019-shonkys-awards/news-story/a8c1bd878dd75cedee4a417a501fd412" target="_blank">news.com.au </a>it “can be difficult to draw accurate comparisons and conclusions in relation to inactive accounts due to the varied characteristics of products within trusts and across superannuation providers.” “For example: a large proportion of the AMP accounts classified in APRA’s data as inactive receive a capital guarantee. It is often in members’ best interests to maintain these accounts given the future benefit they will provide. “AMP supports legislative measures that identify and aim to reduce duplicate or inactive accounts.” Freedom Foods XO Crunch The XO Crunch cereal received a Shonky after having 22.2 per cent sugar in their product that they claimed was “a fun and nutritious way to start your kids’ day”. “Freedom Foods proudly displays four health stars on this bag of sugar. Choice says it should be one-and-a-half if health star ratings accurately reflected the amount of added sugar in a product — something that industry groups have lobbied to prevent,” Mr Kirkland said. <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/6Lnvb-MNK0/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" rel="noopener" href="https://www.instagram.com/p/6Lnvb-MNK0/?utm_source=ig_embed&utm_campaign=loading" target="_blank">A post shared by Freedom Foods (@freedomfoods)</a> on Aug 9, 2015 at 4:46pm PDT </div> </blockquote> “This Shonky shows why the food industry needs to be kicked out of (the) room when it comes to health star ratings. The food industry has gamed the health star system to make a big bag of sugar look like a healthy choice for your kids — and that’s a disgrace.”

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