You’re in good shape.
You’re getting the best care at the best price.
And you’re not having to pay for expensive tests and procedures.
But now you’re about to get a little pricier.
The average Australian health care plan covers some or all of your healthcare needs, but there are many providers who don’t.
You can save up to $3,000 on your plan with a combination of co-payments and out-of-pocket costs.
But the best thing you can do is shop around and try out the different providers on the go.
Find out about the best providers in your area, find out if they’re available in your state and how to get in touch if you have any questions.
Find a provider You can find the most up-to-date information on healthcare providers on Health.com, and read the providers’ health policy and terms and conditions.
What to expect When you sign up for your insurance, your doctor will be able to see you in person and give you a quote.
That’s a pretty big deal, but it’s not always the case.
If you’re on a plan that covers only your GP, your hospital or your emergency room, the doctor will see you before you’re billed.
That can take up to 45 minutes.
Some insurance providers also require you to sign a contract to see them, which may or may not include some extra terms.
Find the cheapest insurance plan You might be thinking, “Why bother?”
If you’ve got a job or a family, that might be a good idea.
But if you’re just starting out with healthcare, you may find it’s better to start small.
You’ll need to make a few small adjustments, and you might find you need to pay more.
If this is the case, the best advice you can give yourself is to make sure you know what you’re getting into.
You might also need to look at other options if you’ve been asked to pay a higher out-to‑pocket amount for the same care you were covered for before.
Check with your insurance company to see what the rates are and what other benefits are available, and if you feel you’re being left out.
Read our full guide to health insurance, and see what you can expect.
Read more: What to do if you get a ‘surprise’ payment What you need before signing up For your first two months, your plan might cost you less than the plan it replaced.
That means that if you had a standard plan that was set to pay $30,000 a year, but you were told you’d pay $80,000, the new plan would cover you for the full $30 000.
That could be a big difference if you need a lot of care.
But you might need to lower your expectations.
If, for example, you were expecting to be covered for $25,000 over two years, your new plan will only cover you $15,000.
That might not sound like a big deal.
But for many people, it will mean a big chunk of change.
That will be reflected in your monthly premium bill.
You should also check with your insurer, as your plan may not have the same benefits as what you’ve previously been covered.
You may need to reduce your out-year income.
If your insurance does not have a lump sum payment available, you might be able forgo a lump-sum payment.
You could be paying less than what you need, and your insurer might cover the difference.
But there’s no guarantee that you’ll be able get that lump sum to cover your care.
The more you think about it, the more you might want to change your mind.
If that’s the case and you can’t afford to make any changes, you can try a different plan.
You will be billed for the difference between the current plan and the new one.
You won’t be billed the difference if the new plans is cheaper.
Read how to save on your healthcare plan before you sign.