Using Abby without a Medicare card

Last Updated

May 11, 2026

Abby Health is currently focused on Medicare-eligible patients in Australia. Without a Medicare card, bulk-billed consultations are not available. We are exploring options for patients outside the Medicare system. In the meantime, if you are eligible for a Medicare card and do not have one, the Services Australia application is straightforward.

Why Medicare matters at Abby

Abby's bulk-billing model relies on Medicare rebates covering the consultation fee. Without a valid Medicare card, the rebate is not available, and a private fee would apply.

Who might not have a Medicare card

Common reasons people do not have a Medicare card include:

International students on Overseas Student Health Cover (OSHC).
Working holiday or short-term visa holders.
Visitors from countries without a Reciprocal Health Care Agreement.
New arrivals to Australia waiting for Medicare enrolment to complete.
Australians who are eligible but have not yet applied or had their card lapse.

What to do

If you are eligible for Medicare: apply through Services Australia. Most applications are processed within a few business days. Once your card arrives, update your Abby account and book a bulk-billed consultation.

If you are from an RHCA country: you may be entitled to Medicare-rebated medically necessary care. Check Services Australia for the current list and process.

If you have OSHC or OVHC: your insurer will direct you to participating clinics. Abby does not currently bill these directly.

If you do not fit any of the above: contact us through the help centre and we will outline the current options.