Medicare should be reformed so it is more like HECS. When you front up to the doctor or hospital for medical services then in order to pay the medical bill you should have the option of whipping out some cash, whipping out the MASTERCARD or whipping out the Medicare card. Medicare should be a credit fascility much like MASTERCARD or VISA. The only difference should be that the Medicare debt should be repaid via the tax system in the same way that HECS debts are repaid. In fact the debt could be administered by the same bureaucracy.
Such a reform would ensure that medical consumers seek value for money. However it would still provide access for those with financial difficulties. Medicare should be regarded as a payment system not an insurance system. Insurance should be entirely optional.