Private health insurance premiums could be cut by up to 10 per cent if private hospitals were made more efficient and stopped over-servicing.A handful of ‘greedy’ doctors charge their patients more than twice the official Medicare Benefits Schedule fee.Only about 7 per cent of all in-hospital medical services are billed at this rate, yet these bills account for almost 90 per cent of all out-of-pocket costs for private hospital patients – and patients are often not told of these costs in advance.Listen to Grattan Institute Health Program Director Stephen Duckett discuss his latest report with Paul Austin, Editor.