In short: Bulk billing pays a practice through two separate streams — per-service incentive items paid to the GP (75870–75876, 10990/10991, 75855–75858), and the opt-in 12.5% BBPIP payment that is split 50/50 between the practice and its GPs. This free calculator models both, and shows who receives what.
The two streams are constantly confused, so the calculator keeps them apart: Stream 1 — incentive items every practice can claim on every bulk-billed service, no registration needed, paid to the billing GP. Stream 2 — the Bulk Billing Practice Incentive Program, which a practice joins deliberately, and which pays 12.5 per cent on top of eligible benefits, half to the practice and half to the GPs. Every rate is pre-filled from MBS Online, verified at 1 July 2026.
Free · Runs in your browser · Rates dated · Rules per the March 2026 program guidelines
Unsure? Look up the address on the Health Workforce Locator — most metro practices are MM1. The verified rates for your area load automatically.
These attract the tripled incentive item.
Level A consults, care plans, health assessments, mental health items — these attract the standard incentive item.
The 12.5% is paid on this figure (the incentive items themselves don't count towards it). Pull it from Cubiko or your billing reports; left blank, the tool estimates it from your weekly consults at the Level B benefit ($45.05), which ignores your other services — so the real figure is usually higher.
Pick your Modified Monash area and enter your consult numbers — the estimate updates live using rates verified on MBS Online at 1 July 2026.
Stream 1 — the bulk billing incentive items (the GP's pocket). Since 1 November 2025, a GP can claim a bulk billing incentive item whenever they bulk bill any Medicare-eligible patient — not just children and concession card holders. Bulk-billed Level B, C, D and E face-to-face consultations, and Level B phone and video consultations, attract the tripled item — 75870 in metropolitan MM1, rising through the Modified Monash areas to 75876 in MM7. Other bulk-billed unreferred services — Level A, care plans, health assessments, mental health items — attract the standard item (10990, 10991, 75855–75858). These items are claimed with the consult and paid to the billing GP like any other benefit. No program, no registration, no commitment: a fully private practice that bulk bills one pensioner on a Tuesday still gets the item for that consult.
Stream 2 — the Bulk Billing Practice Incentive Program (shared between two pockets). BBPIP is a deliberate, whole-of-practice decision. To join, the practice registers in MyMedicare and on the Organisation Register, and the practice and every GP in it commit to bulk billing every service on the program's eligible services list for every Medicare-eligible patient, DVA patients included. In return, Services Australia pays 12.5 per cent on top of the MBS benefits from those bulk-billed eligible services — calculated quarterly in arrears, and split 50/50 at source: half lands in the practice's nominated bank account and half in the GPs'. So the practice entity itself receives 6.25 per cent, not 12.5. Two details owners often miss: the incentive items from Stream 1 are excluded from the 12.5 per cent base, and the quarter is all-or-nothing — there are no partial or pro-rated payments if the bulk billing commitment slips.
What "bulk bill everything" actually means. The commitment covers the program's eligible services list — GP attendances, telehealth equivalents, care plans, health assessments, mental health and after-hours items. It does not cover items off the list: most procedures, for example, can still be billed privately with a gap, and patients who are not Medicare-eligible can be charged privately. That nuance is why some mixed practices are closer to BBPIP eligibility than they assume.
What this calculator leaves out: the after-hours incentive items (10992, 75872), the tripled telehealth items for MyMedicare-registered patients (75880–75885, for Level C–E video and Level C–D phone), and the separate PIP and WIP practice programs. Those can add materially to a practice's income and belong in a full audit, not a browser estimate. The decision most owners face is whether the incentives plus 12.5 per cent beat their private fee income: this tool gives the incentive side, our mixed-billing simulator gives the other side, and the BBPIP explainer covers the rules in full.
They are two separate payments. The bulk billing incentive items (75870–75876 tripled; 10990, 10991, 75855–75858 standard) are claimed per service and paid to the billing GP — any practice can claim them, with no registration, whenever a Medicare-eligible patient is bulk billed. The 12.5 per cent is the Bulk Billing Practice Incentive Program: a whole-of-practice program the practice must join through MyMedicare and the Organisation Register, committing to bulk bill every service on the program's eligible list. The incentive items are excluded from the 12.5 per cent calculation base.
No — the commitment is to bulk bill every service on the program's eligible services list (GP attendances, telehealth, care plans, health assessments, mental health and after-hours items) for every Medicare-eligible patient, including DVA patients. Items not on the list — most procedures, for example — can still be billed privately with a gap, and patients who are not Medicare-eligible can be charged privately. But for listed services it is all-or-nothing per quarter: no partial or pro-rated payments if the commitment slips.
The incentive items are paid to the billing GP together with the consult's rebate. The BBPIP 12.5 per cent is split 50/50 at source by Services Australia: half is paid into the practice's nominated bank account and half into the GPs' — so the practice entity itself receives 6.25 per cent of eligible benefits, quarterly in arrears. How practices and GPs then share it internally is up to their agreements.
Every rate is pre-filled with the benefit amount from the item's own MBS Online page, verified at 1 July 2026 — the tripled items 75870, 75871 and 75873–75876 and the standard items 10990, 10991 and 75855–75858, across all Modified Monash areas. The program rules follow the BBPIP Program Guidelines (March 2026) and the April 2026 program FAQs. The rate fields stay editable because MBS fees index every 1 July.
The after-hours incentive items (10992, 75872), the tripled telehealth items for MyMedicare-registered patients (75880–75885), and the separate PIP and WIP practice programs. It also can't know your payer mix or what private fees you would forfeit — ask for a clinic audit if you want the whole picture modelled from your real billing data.
An estimate from the numbers you enter, for planning conversations only. It is not billing, legal, tax or financial advice. Verify every item number and rebate on MBS Online before you bill.
Your inputs and the estimate, as a plain text summary. Jamal gets a copy; no mailing list.
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