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C1
5 mark available cap at 3.5 mark
• Medicare would pay 100% of the total hospital cost cost (all included) /there would be no
out of pocket if this was a public patient in a public hospital 0.5 mark
Only 0.25 mark if say 100% of the MBS
• Medicare only pays 75% of the cost 0.5 mark
0 mark if 85%
• … of the MBS costs of specialists 0.75 mark
Only 0.5 mark if MBS cost without mentioning specialists
Only 0.25 mark if specialist but not MBS
• Because private patient 0.25 mark
Give the mark if the case public patient was mentioned earlier so obvious that it is a
different case
• Medibank complements/is on top of/is additional the contribution of Medicare OR because
of private health insurance, most of the operation is covered OR medibank covers more than
Medicare 0.5 mark
0.25 mark if only says Medibank contributes with no allusion to being additional to
Medicare or no allusion to most cost covered
• It covers the rest of MBS cost, some cost above MBS and the hospital accommodation costs
1 mark
No mark for the remainder is covered by Medibank too vague (that would give mark
for the previous point)
0.5 mark if only one of the three [could be given for any allusion of fees above MBS
or more than 25%]
0.75 mark if two out of three
1 mark if three
• Not all costs are covered by Medicare and Medibank OR out of pocket is what remains after
Medicare and Medibank contribution OR 11% Medicare and Medibank covers 100% cost 0.5
mark
No mark for out of pocket =500 as a repetition not an analysis
Rescue 0.25 mark if clear list of the three contributors (only for students who do not
get other marks)
• … may be due to too high specialist costs well above MBS and excess in the policy 0.5 mark
0.25 mark for one
0.5 mark for two
• The lack of an excess indicates that this graph assumes the highest quality insurance policy
OR excess is the part that patient must pay even though covered OR lower excess if high
premium 0.25 mark
No mark if says defined in the policy as already in the text
• Because this estimate assumes the use of a Medibank Members’ Choice Hospitals, the
estimate is likely to be higher/unfavourable if having this operation as a different hospital
0.25 mark
Add manual extra mark for any valid point not captured in the marking guide.
Feedback
Cap at 3.5 marks
Copy paste (select keep formatting when prompted)
X Xwx XWXX xx
Total ? capped at 3.5
Each letter represents a dot point in the argumentation above, presented in the same order and
with the same grouping.
y=0.25 mark; Y=0.5 mark; z=0.75 mark; Z=1 mark;
x is replaced by the marker by y (for 0.25 mark) if the point was well addressed or o (for 0 mark) if
the point was missing or incorrect.
X is replaced by the marker by Y (for 0.5 mark) if the point was well addressed y (for 0.25 mark) if the
point was addressed but incomplete or with minor mistake or o (for 0 mark) if the point was missing
or completely incorrect.
w is replaced by the marker by z (for 0.75 mark) if the point was well addressed Y (for 0.5 mark) or y
(for 0.25 mark) if the point was addressed but incomplete (guideline below each point) or o (for 0
mark) if the point was missing or completely incorrect.
W is replaced by the marker by Z (for 1 mark) if the point was well addressed z (for 0.75 mark) Y (for
0.5 mark) or y (for 0.25 mark) if the point was addressed but incomplete (guideline below each
point) or o (for 0 mark) if the point was missing or completely incorrect.