This document discusses how medical coverage works for sports injuries in Australia, specifically how Medicare, private health insurance, and sports injury insurance interact. Medicare provides coverage for medical treatments covered by its benefits schedule but not for any medical costs above the scheduled rebates. Private health insurance can help cover some of these out-of-pocket costs. Sports injury insurance covers expenses like physiotherapy, ambulance costs, and other non-Medicare medical costs, as well as any remaining costs not covered by private health insurance. It is best for athletes to have both private health insurance and sports injury insurance for the most comprehensive coverage of medical costs from sports injuries.