First medical visit

Today was my first visit to an Australian doctor. I have Medicare and private insurance (both Australian). When visiting a doctor here, I've been told you can look for an office that does "bulk billing" which means they don't charge anything out of pocket, and subsequently bill Medicare for your visit. OR, you can go to a doctor's office that doesn't do bulk billing, in which case you pay upfront and get reimbursed a portion of the fee from Medicare. For my visit, apparently, private insurance doesn't cover any of it. The visit was $65, Medicare will reimburse $36, and so the visit will cost me $29. The office said Medicare will mail me the check, but in the future I have the option of having it directly deposited into a bank account.