This study investigates the use of general practitioner services by women i
n Australia. Although there is a universal health insurance system (Medicar
e) in Australia, there are variations in access to services and out of pock
et costs for services. Survey data from 2350 mid-age (45-50 years) and 2102
older (70-75 years) women participating in the Australian Longitudinal Stu
dy on Women's Health were linked with Medicare data to provide a range of i
ndividual and contextual variables hypothesised to explain general practiti
oner use. Structural equation modelling showed that physical health was the
most powerful explanatory factor of general practitioner use. However, aft
er adjusting for self-reported health, out of pocket cost per consultation
was inversely associated with use of services. The out of pocket cost was g
enerally lower for women with low socioeconomic status but cost was also di
rectly related to geographical remoteness. Women living in more remote area
s had higher out of pocket costs and poorer access to services. Women who r
eported better access to care were more likely to be satisfied with their m
ost recent general practice consultation and less likely to be sceptical of
the value of medical care. These results show the need for health policies
that improve the equitable use of general practitioner services in Austral
ia. (C) 2001 Elsevier Science Ltd. All rights reserved.