Access Gap

What is Access Gap Cover?

Access Gap Cover (AGC) is a billing scheme that aims to reduce or eliminate out-of-pocket expenses to members for doctor and specialist services received in hospital. Doctors may choose to participate in AGC on a patient by patient basis, so you should discuss this with your doctor.


Why won't my doctor or specialist participate in Access Gap Cover?

It is up to your doctor or specialist to decide whether to charge you under the Access Gap Cover scheme. Even if the doctor has participated in this scheme before it does not automatically guarantee that the doctor has participated in Access Gap for your treatment. Doctors and specialists are free to choose whether they will participate on a patient-by-patient basis. This decision remains solely with the doctor or specialist.


Find an Access Gap doctor/specialist who has previously participated in AGC with Teachers Health Fund.

For more information about Access Gap Cover visit