IN OZ we have medicare too - you can get free hospital treatment - waiting lists are long - waiting times are long but hey at least its free if you finally get in. (paid for by a mdeicare levy from earnings) however if a dr charges over the medicare preferred amount you have to pay the difference

if you earn over a certai amount and dont have a health fund though you have to pay an extra medicare levy - think its $500 per year

Dental is user pays

Private health care doesnt often cover all costs - and there is usually an excess to pay anyway.

You can get 12 free psych (T or Pdoc ) appts a year - with a possible extra 5 if they consider you sick enough - once again if they charge over the scheduled medicare fee - then you pay the extra.

think thats about it......