Medicare Two-way

An Australian Government initiative designed to make lodging health claims easier for people with private health insurance.

Participating health insurers

Contact your fund to see if they participate in Medicare Two-way or ask at your local Medicare Service Centre.

Lodging claims

Under Medicare Two-way you can lodge all your in-hospital and ancillary claims either with your participating private health insurer or with us.

Lodging with us

To lodge your claim at a Medicare Service Centre you need to:

  • complete a Medicare claim form and a Medicare Two-way claim form. Forms are also available at a Medicare Service Centre
  • attach your original accounts, and receipts if paid, and
  • place them in the drop box or lodge it with a Customer Service Officer

We will process your Medicare claim and if payable, will forward your private health insurance claim to your private health insurer. Private health insurer payments will be paid by either Electronic Funds Transfer (EFT) or cheque. You will need to check with your private health insurer if they offer EFT facilities.

If you visit your local Medicare Service Centre to claim your benefit in person and your account is paid in full, you don’t need to complete a Medicare claim form.

Lodging with private health insurer

To lodge your Medicare Two-way claim with your private health insurer you will need to:

  • complete your private health insurer’s claim form
  • complete a Medicare claim form - also available from your private health insurer
  • attach your original accounts, and receipts if paid, and
  • lodge the form with your private health insurer

Your private health insurer will forward your claim to us. We will process your Medicare claim and if payable, we will forward your claim to your private health insurer. Private health insurer payments will be paid by either EFT or cheque.

Under the Two-way arrangement private health insurers do not collect one another’s forms.

Lodging an ancillary claim at a Medicare Service Centre

Ancillary claims, including dental, optical and physiotherapy, do not attract a Medicare benefit. However, as part of the Medicare Two-way program, you can complete a Medicare Two-way form, attach the original accounts and receipts and lodge your ancillary claim at your local Medicare Service Centre. Your claim will be forwarded to your private health insurer for payment.

More information

For more information about claiming, read our Medicare claiming section.

We can advise you about participating insurers but cannot answer private health insurance enquiries. If you have questions about private health insurance claims, call your private health insurer.

Page last updated: 2 February 2016