--- title: "Bulk billing incentives: what actually changed for GP access" description: "Australia rebuilt its bulk billing incentive in 2025. Two real, non-comparable figures now describe GP access, and mixed billing got a sharper trade-off." url: https://www.getarbol.com/en/blog/bulk-billing-access-general-practice/ lang: en --- # Bulk billing incentives: what actually changed for GP access Australia rebuilt its bulk billing incentive in 2025. Two real, non-comparable figures now describe GP access, and mixed billing got a sharper trade-off. [**Norbelys Chirinos** Founder · Product](https://www.getarbol.com/en/blog/authors/norbelys-chirinos/) June 10, 2026 9 min read Australia rebuilt its bulk billing incentive twice in three years — a straight tripling in November 2023, then a structural rework in November 2025 that pays clinics extra for bulk billing everyone, not just concession card holders and kids. The national GP bulk billing rate climbed to [81.4% in the months after](https://www.medicalrepublic.com.au/gp-bulk-billing-cracks-80/123150), while the share of clinics that will bulk bill every standard consult with no exceptions sits at a much lower [40.2%](https://www1.racgp.org.au/newsgp/professional/a-complete-reversal-surge-in-bulk-billing-practice). Neither number is wrong — they answer different questions, and a clinic still running mixed billing now has to decide which one it’s actually trying to move. ## The 2025 incentive pays for a wholesale commitment, not a per-visit choice The first version of this policy was narrow. From 1 November 2023, [Australian Medicare](https://www.pm.gov.au/media/medicare-bulk-billing-strengthened-largest-investment-40-years-takes-effect) tripled the per-service bulk billing incentive, but only for services provided to children under 16, pensioners and Commonwealth concession card holders. Layered on top of a separate indexation rise, the combined effect pushed the total Medicare benefit for a standard, sub-20-minute bulk-billed consult in a major city up 34% to $62.05; in regional and rural areas the increase ran closer to 50%, taking the same rebate to somewhere between $72.80 and $81.10 depending on location. The design logic was simple: pay more to bulk bill the patients already least able to absorb a gap. The November 2025 change is a different kind of policy. Eligibility for the per-service incentive was widened to every Medicare-eligible patient rather than a defined vulnerable group, and a new practice-level payment — the Bulk Billing Practice Incentive Program — sits on top of it. A clinic that commits to bulk bill 100% of its eligible GP non-referred attendances, for every patient, earns an [extra 12.5% loading on the Medicare benefits](https://www.ama.com.au/resources/changes-bulk-billing-incentives-general-practice) it earns from those services. Regional, rural and remote clinics get a bigger version of the same loading — scaled to between 150% and 190% of the metropolitan rate depending on Modified Monash Model remoteness classification — which is a materially larger reward for closing the same gap outside a capital city. Crucially, the loading is binary: there’s no partial payment for bulk billing 80% of eligible visits. Two policies, one program What changed in 2023 versus what changed in 2025 34%–50% Rise in the total bulk-billed consult rebate after the Nov 2023 incentive tripling (metro vs. regional/rural) PM Media Release, Nov 2023 12.5% Extra loading on MBS billings for clinics bulk billing 100% of eligible GP visits AMA, 2025 150%–190% That loading, scaled for regional/rural/remote clinics AMA, 2025 81.4% National GP bulk billing rate, Nov 2025–Jan 2026 Medical Republic, 2026 40.2% Clinics fully bulk billing every standard consult Cleanbill, via RACGP newsGP, 2026 $49.23 National average gap fee for a non-bulk-billed consult, up 13.5% YoY Cleanbill, via RACGP, 2026 ## “Bulk billing is rising” is two different measurements moving at two different speeds The 81.4% figure comes from Medicare claims data: it’s the share of every individual GP non-referred attendance nationally, across every billing model, that carried no out-of-pocket cost between November 2025 and January 2026 — up from 77.1% over the same months a year earlier, [the largest quarterly jump outside the pandemic](https://insightplus.mja.com.au/2026/7/bulk-billing-rates-are-up-but-theres-more-to-delivering-the-best-possible-care/) in about two decades, though still short of the roughly 85% run rate that held for years before COVID. The 40.2% figure comes from somewhere entirely different: Cleanbill, an independent GP directory, phones a national sample of clinics — nearly 6,900 in its most recent round — and asks a narrower, binary question: will this clinic bulk bill a new adult patient’s standard weekday consult, no exceptions. That share rose from 20.7% twelve months earlier, a jump the government’s own program data broadly supports — 3,412 clinics had registered for the incentive program, and 1,269 of them, [about 37%](https://www.medicalrepublic.com.au/gp-bulk-billing-cracks-80/123150), had converted from some form of mixed billing. Reading the two figures correctly Service-level rate vs. practice-level rate What it tells you Service-level rate (Medicare claims) Practice-level rate (clinic audit) What it counts Every bulk-billed GP visit nationally, across all clinics Whether one clinic bulk bills every standard adult consult Latest reading 81.4% of GP services 40.2% of audited clinics 12-month change Up from 77.1% Up from 20.7% What it can't tell you Whether any single clinic bulk bills everyone The billing status of the roughly 60% of clinics outside the count Fuente: Department of Health, Disability and Ageing, via Medical Republic and InSight+; Cleanbill, via RACGP newsGP, 2026 A clinic can push its own service-level rate up — by bulk billing every concession card holder and every child, exactly as the 2023 policy intended — without ever appearing in the “fully bulk billing” count, because it can still charge every other adult a gap. That’s not a contradiction between the two figures. It’s the reason a national headline rate and a “can I get bulk billed here” search result can move in the same direction at very different speeds, and why a clinic reading only one of them gets an incomplete picture of where it actually sits. ## Rural and remote clinics converted fastest, and the RACGP says that’s the point The twelve-month shift toward full bulk billing wasn’t even across geography. Broken down by Modified Monash remoteness category, metropolitan clinics (MM1) gained 16.8 percentage points, but every rural and remote category gained more: regional centres (MM2) rose 23.3 points, large rural towns (MM3) 22.7, medium rural towns (MM4) 19.9, small rural towns (MM5) 36.8, remote communities (MM6) 33.0, and very remote communities (MM7) 27.0. By remoteness classification Change in fully-bulk-billing clinics, 12 months to Jan 2026 Percentage-point change Fuente: Cleanbill Blue Report, via RACGP, 2026 That pattern holds even though GP supply runs the opposite way: roughly 112 GPs per 100,000 people in metro areas against about 68 in remote communities and 71 in very remote ones. Fewer clinicians converted a larger share of local clinics. RACGP president Dr Michael Wright frames this as the incentive design working as intended rather than a market effect: bulk billing rose fastest [where the loading closed the biggest gap between the rebate and the actual cost of care, not where clinics were competing hardest for patients](https://www.racgp.org.au/gp-news/media-releases/2026-media-releases/april-2026/cleanbill-report-shows-bulk-billing-rises-where-fu). The RACGP’s read is that this validates targeting funding at cost rather than at competition — and the college is using that argument to push for more of the same logic elsewhere, calling for an independent Medicare pricing body and a 40% increase to rebates for longer consultations, on the basis that a single incentive program is a narrow fix layered on a base rate it still considers too low. ## Mixed billing didn’t disappear — it got a sharper trade-off Full conversion was never the only way clinics interacted with bulk billing. Even before the 2025 changes, the AMA notes that [roughly one in four GP services were already bulk billed for non-concessional patients](https://www.ama.com.au/resources/changes-bulk-billing-incentives-general-practice) at clinics that never described themselves as fully bulk billing — mixed billing has always meant selective bulk billing on a per-visit basis, and that flexibility hasn’t gone away. What changed is what that flexibility now costs a clinic in foregone incentive: the 12.5% practice-level loading pays out on 100% compliance only, so a clinic bulk billing 90% of its eligible visits collects the same practice-level loading as one bulk billing none — which is to say, none. The clinics that stayed mixed weren’t standing still on price while they weighed that decision. Over the same twelve months, Cleanbill found the national average gap fee for a non-bulk-billed standard consult rose 13.5% to $49.23, with wide spread by state — $50.51 in New South Wales, $57.96 in the ACT, $55.04 in the Northern Territory, and $60.76 in Tasmania. So the two trends ran in parallel: more clinics went fully bulk billing, and the clinics that didn’t raised what they charge the patients who still pay a gap. Reviewers writing in InSight+ add a further caveat to the headline rate: the redesigned incentive pays the same amount whether a bulk-billed patient is wealthy or in genuine financial hardship, a step back from the 2023 policy’s explicit means-testing, and it does nothing to change a fee-for-service structure that rewards short, high-volume visits over the kind of longer consultation that complex chronic disease actually needs. A higher topline bulk billing number, in other words, describes access to a standard visit — not necessarily access to the right amount of GP time. ## What your clinic can do - **Run the 100%-commitment math on your own patient mix, not the national average.** The 12.5% loading is calculated on your clinic’s actual MBS billings and multiplied by your remoteness classification, so its value swings hard depending on how much of your book is already bulk billed and where you’re located. - **Track both figures for your own clinic, separately.** Your service-level bulk billing share (what proportion of your visits carry no gap) and your practice-level status (whether you’d pass a Cleanbill-style “will you bulk bill any new adult” call) are different answers, and only the second one qualifies for the practice-level loading. - **Treat your gap fee as a decision, not a default.** The state averages moved 13.5% in a year without every clinic actively repricing — know where your fee sits against your region before a patient or a directory audit tells you. - **Revisit the incentive even if you dismissed it in 2023.** The math changed most for regional, rural and remote clinics, and the biggest movement in the data came from exactly that group. - **Keep your billing policy consistent at the point of booking.** The figures now shaping this debate come from real service-level Medicare data and direct clinic audits, so gaps between your stated policy and what reception actually charges show up as noise in the same numbers regulators and advocacy groups are reading. If you’re managing scheduling and billing policy for a clinic in Australia, this is the kind of day-to-day operational decision that [Arbol’s approach for Australian clinics](https://www.getarbol.com/en/australia/) is built around. Disclaimer This content is for informational and educational purposes only. It is not a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of a qualified healthcare provider with any questions you may have regarding a medical condition. ## Keep reading United States **Keep reading** United States Regulation ### [TCPA Consent for Appointment Reminders: What Actually Changed](https://www.getarbol.com/en/blog/tcpa-appointment-reminders-compliance/) The FCC's TCPA consent rules for reminder calls and texts are still shifting. Here is what your practice's intake process needs to get right now. 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