I had about $7000 out of pocket expenses - $3-4000 from the surgery, that I was aware of and agreed to ... but After my surgery, I was stunned to have to pay $500 towards my own pathology bill .... it’s not as if it was cosmetic or something unnecessary. No-one could explain why there was a $500 gap. .... and then there was a $4-500 fee for attending the private hospital that I was in, as NIB didn’t have an ‘agreement’ with them! Many of my tests/scans had a gap of between $80-100 that had to be paid every time ... and sadly, it all adds up even tho, like @Julez1958, We also have top level private cover. :(
If you live outside of city areas, and have to attend specialists there, there are also fairly large gaps in accomodation costs that even the local IPTASS schemes don’t cover as much as they could ....