You're sitting in the GP's room. Your kid has a strapped ankle from Saturday's game, the GP has just said "we'll need a scan, and you'll want some physio for six weeks," and you're walking out with a referral, a stack of forms, and the first bill. Over the next month or two more bills will come: the radiology, the physio, possibly an orthopaedic specialist if it's worse than it looks. You have private health insurance and you know football's registration includes some kind of insurance, but you don't know what to file with whom, in what order, and what you're going to be left out of pocket for.

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