Gild is a healthcare payment service that makes Medicare-rebatable care easier to pay for.

Where Gild is available, you can use it to pay only your out-of-pocket gap fee, rather than paying the full consultation fee upfront.

Your rebate. Your choice.

Your gap is the amount you are out-of-pocket, after the applicable Medicare benefit has been taken into account.

With Gild, eligible patients can pay their gap fee through the Gild payment platform, rather than paying the full consultation fee upfront and waiting to receive their Medicare benefit separately.

Because paying for healthcare shouldn’t be harder than it needs to be.

Gild gives you:

• less to pay upfront

• a clearer understanding of your out-of-pocket cost

• a simpler payment experience

• greater transparency around what you pay and your Medicare benefit

Because we believe access to healthcare and sustainable healthcare shouldn't be competing goals.

For too long, we’ve watched patients delay or forgo care due to high upfront costs.

We built a better way - where you don’t have to fund the full cost upfront.

No.

When a service is bulk billed, your healthcare provider accepts the Medicare benefit as full payment for that service, so you don't pay an out-of-pocket fee for that service. Services Australia — Bulk billing

Gild is for eligible privately billed services where an out-of-pocket gap applies.

Where Gild is used for an eligible Medicare-rebatable service, the applicable Medicare benefit forms part of the payment process.

The amount of Medicare benefit you are entitled to depends on the service, provider, Medicare item and your individual circumstances.

Your out-of-pocket cost depends on your healthcare provider's fee and the Medicare benefit that applies to your service.

If you're unsure, ask.

You should always understand what you're being asked to pay before receiving care.

Not necessarily.

Gild does not set or necessarily reduce your healthcare provider's overall fee.

Instead, Gild can reduce the amount you need to pay upfront by incorporating the applicable Medicare benefit into the payment experience.

While we cannot will practitioners to reduce their fees, or government to increase Medicare rebates, our goal is a more manageable way to pay for it.

You can continue to use the existing Medicare claiming process.

Let your clinic know if you would prefer to pay the full amount and then wait to receive your Medicare rebate.

Gild simply gives you another option, where offered by your healthcare provider.

Our goal is to make the payment experience simpler and reduce the amount you need to find upfront.

Gild does not set your healthcare provider's fees.

Your provider will tell you their fee, and your expected out-of-pocket cost before you proceed.

If you have any questions about the fee for your care, you should ask your provider.

No.

You can continue to pay the full amount and then wait to receive your rebate from Medicare.

Gild gives you another payment option.

Your rebate. Your choice.

No.

Gild is not a consumer loan or credit product.

It is a healthcare payment solution built around your healthcare fee, applicable gap fee and Medicare benefit.

Gild is available for eligible Medicare-rebatable services offered by participating healthcare providers.

Not every healthcare service attracts a Medicare benefit.

Your healthcare provider will let you know whether Gild is available for your visit.

If you would like to nominate your healthcare practitioner to start using Gild, pop their details here.

We take the security and privacy of your healthcare and payment information seriously.

We only collect and use information required to provide the service and meet our legal and regulatory obligations.

For more information, please see our Terms & Conditions.