What does my health fund pay for?

Outside of 'extras', health funds only pay for services which occur as an inpatient in hospital. Therefore, there is no health fund rebate for clinic consultations, outpatient radiology procedures or physiotherapy for example. If you are having surgery then the health fund will pay for the theatre fees (often in excess of $15,000), implants (often reaching $40,000 or more for complex spine surgery), hotel fees of the hospital ($1000+ / night) and it pays 25% of the Medicare rebate fee for the surgery. Therefore, your health fund does in fact pay a large sum for your surgery - bills which you may never even see.