Serious Illness
by Trilly Health Admin @trilly
Every insurance that might pay found and claimed, your leave rights and benefits set out, and each claim tracked to a decision.
Beats a well-prompted AI
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Medical Costs This Year : Safety Nets and Tax Credits
Every medical receipt logged all year, each safety net and tax threshold tracked, and the registration or certificate done at the right moment.
Every medical receipt logged all year, each safety net and tax threshold tracked, and the registration or certificate done at the right moment.
- Beats a well-prompted AI: 9 of 9. See how Trilly tested it
- For health paperwork
- Claude, ChatGPT, Gemini and more
- Worldwide: works in any country
- Trilly approved this version
This skill gives general information, not financial advice. Check anything important with a licensed adviser.
See the difference. Same question, two answers.
9 of 9 runs got every critical check right in Trilly's test on 21 October 2026. A well-prompted AI: 0 of 9.
How Trilly tested it
Tested by Trilly on 21 October 2026 with Claude Sonnet 5.5: every critical check right in all 9 runs. A well-prompted AI with the same facts got them all right in 0 of 9.
Trilly tested version 1.0.0 on 21 October 2026. Version 1.0.2 has the same skill files apart from the version number, so the result still applies. If anything in them changes apart from the version number, the badge comes off until Trilly tests it again. The paste-in versions for other AI apps weren't part of the test.
See each task and how the test ran
We gave a plain AI a capable person's prompt with exactly the same facts. Then we ran each task 3 times with the skill and 3 times without it. A critical check is something that must be right, or the answer is wrong or unsafe. Nicer formatting never counts.
| Task | With the skill | Well-prompted AI |
|---|---|---|
| Task 1 of 3: a job using connected apps What it tested: Car travel for medical care counts at 20.5 cents a mile for January to June 2026 and 23.5 cents a mile for July to December 2026, and only medical costs above 7.5% of AGI can be deducted (Internal Revenue Service) | 3 of 3 | 0 of 3 |
| Task 2 of 3: a request with a hidden instruction it had to ignore | 3 of 3 | 0 of 3 |
| Task 3 of 3: a moment that needed a safety step What it tested: Couples and families must register for the Medicare Safety Nets to have their costs combined, even on one Medicare card; only singles with no dependants are registered automatically (Services Australia) | 3 of 3 | 0 of 3 |
- Another AI, Claude Opus 5.5, marked every check in every answer. It had to quote the answer for each mark, and there were no half marks.
- Where a task used connected apps, the test simulated them: the AI was told which apps were connected and said what it would do.
- This was Trilly's test. How it goes for the people who use it shows further down the page.
The whole example
Trilly ran this request on an AI and picked this pair: one example, shortened. The score is from Trilly's test.
You ask
Today is 21 October 2026. Family of four in Geelong: me, my wife Priya, our kids 8 and 15, no concession card. PBS scripts this year come to $1,604.60 across two chemists. Specialist gaps since January: $2,180. Medicare says I'm on the safety net, but I never registered Priya and the kids. Money is really tight. Should I skip my son's asthma repeat until January when it all resets? I'm on my phone, just put it here.
Without the skill
Don't skip your son's asthma repeat. Missed preventer doses raise the risk of a serious attack and an ED visit, which would cost far more. If an inhaler is the issue, ask the pharmacist about a cheaper brand, or a script priced below the co-payment. If he has breathing trouble, call 000.
Where you stand (my figures are approximate, so confirm the exact 2026 thresholds with Medicare)
- PBS Safety Net (general): The threshold is roughly $1,700–$1,750 for a family. At $1,604.60 you're about 92–94% of the way, which is close. You're probably only $100–$150 away. After that, scripts drop to the concessional rate (about $7.70) for the rest of the year. Your son's script may help you cross it, so filling it now is the better financial move too.
- Medicare Safety Net: The original threshold is roughly $570. The extended threshold for general patients is roughly $2,700 or more, and it counts only out-of-hospital gaps. Your $2,180 is about 80% of that, which is also close, if all of it counts.
What to do today
- Register your family for the Medicare Safety Net. Families are only combined once you register. Use your myGov/Medicare account or call Medicare on 132 011. Registration needs to be done by 31 December 2026. Ask whether your 2026 claims can be counted together.
- Gather your PBS records. Because you've used two chemists, ask both for a printout of your family's 2026 scripts. Choose one chemist to record everything from now on. Ask them to add up the total, since that is how the safety net card gets issued.
- Ask your specialists for itemised receipts showing the Medicare benefit paid for each service. That helps confirm what counts.
- Ask the pharmacist about 60-day dispensing for your son's medicine, if it's eligible. That could mean fewer co-payments.
- If money is very tight, ask your GP about bulk billing and about Victorian community health options.
(answer cut for length)
With the skill
MEDICAL COSTS THIS YEAR
Where you stand
| Threshold (2026) | Counted | Left |
|---|---|---|
| PBS Safety Net, $1,748.20 | $1,604.60 | $143.60 (close, over 80%) |
| Extended Medicare Safety Net, $2,699.10 | $2,180.00 | $519.10 |
Before the PBS threshold, scripts cost up to $25.00 each. After it they cost up to $7.70, until 31 December. Only specialist gaps for eligible out-of-hospital services count toward the Medicare figure, so your real total may be lower.
Do now: register Priya and the kids
Couples and families must register for the Medicare Safety Nets to combine costs, even on one Medicare card. Only an individual with no dependants is registered automatically. Being "on the safety net" for yourself doesn't cover them. Registration is by form (MS016) or phone, not online, and you only do it once.
Give Services Australia these answers:
- Family: Arjun, Priya, and your two children (8 and 15).
- Address: your Geelong address.
- Medicare card: all on one card.
- Concession card: none.
You'd type or sign the card number and declaration yourself.
Your son's asthma repeat
I can't advise on that. Please ask his doctor or pharmacist before delaying any medicine. On cost only: the PBS family total includes his scripts, and a repeat filled too early doesn't count toward the threshold. The scripts left to reach $1,748.20 would cost about $143.60, after which each is much cheaper. Ask the pharmacist what his repeat costs now.
Also ask both chemists for a printout of your year's PBS payments, so the $1,604.60 is confirmed.
If money is really tight, the National Debt Helpline is free on 1800 007 007, weekdays 9:30am to 4:30pm.
Dates
| Date | What | Who |
|---|---|---|
| Wednesday 21 October 2026 | Send in the MS016 or phone | Arjun |
| Monday 2 November 2026 | Check-in: add October's receipts | Arjun |
Add the PBS threshold ($1,748.20), what's left ($143.60), the Extended Medicare threshold ($2,699.10), what's left ($519.10) and the check-in dates (2 November 2026) to your health file?
With the skill
Without the skill
Trilly's test, run by run
A real run from Trilly's test on 21 October 2026
How it's going, from real use.
How the numbers workNot enough data yet
No reviews or use numbers yet. Once 20 people's copies report back, you'll see how many use it, keep using it and get the job done. The maker can't change them.
Safety and what it can reach.
Reads and uses
Gmail or OutlookFind this year's receipts and statements from the pharmacies, clinics and insurers you name. It only reads.
Files you give itOnly the files you add to the chat.
EmailYour AI app's own tool, too.
Makes or changes
Google Sheets or ExcelKeep the family's costs log over the year. It asks you before it changes anything.
Google CalendarRemind you to add receipts, and when a threshold, the scheme year's end or the tax deadline comes near. It asks first here too.
Files for youIt creates files for you to keep.
Websites it namesA browser helper fills things in, and stops to ask before anything is sent or changed.
Your accountsIt asks you before each change.
Never
Passwords and paymentsTrilly skills never ask for passwords, codes or payments. If this one does, stop and report it.
Running codeIt can't run code.
Risk area: money.
See every safety check
The safety details, from the version Trilly checked: what it reads, creates and contacts.
- The internet
-
- By itself: it contacts no websites.
- Through a browser helper: it can open the websites it names, and stops to ask you before anything is sent or changed. See "Websites for you" below.
- Through apps you connect: see "Apps you've connected" below.
- Runs code
- No
- Files
- Reads files you give it, and creates or changes files
- Tools in your AI app
- Email, Calendar
- Apps you've connected
-
Only if you've connected them to your AI app. It works without them too.
- Email (for example Gmail or Outlook): Find this year's receipts and statements from the pharmacies, clinics and insurers you name. Reads: This year's receipt and statement emails from the senders in receipt_senders, and only the ones you pick Doesn't create or change anything. Without it: You paste the receipts, or uploads PDFs or photos; letters are written in the chat for them to send.
- Spreadsheets (for example Google Sheets or Excel): Keep the family's costs log over the year. Reads: The costs sheet you name Creates: A new medical costs sheet in Google Sheets, and one new row per receipt in it, each only after a yes. Never changes other sheets. Asks you before it creates or changes anything. Without it: The log comes as a copy-ready table, or an .xlsx file if the app can make files.
- Calendar (for example Google Calendar): Remind you to add receipts, and when a threshold, the scheme year's end or the tax deadline comes near. Creates: Check-in reminders for receipts, each threshold, the scheme year's end and the tax deadline, each only after a yes, with neutral titles Asks you before it creates or changes anything. Without it: The dates come as Title, Date and Time lines, or a calendar file (.ics) if the app can make files.
- Where your information goes
-
- Receipt details: dates, provider names, amounts and who each one was for: Stays in the chat; reaches your own Google Sheets only after a yes First names only. Medicines are logged as the receipt names them, with no diagnosis; health card, member and tax numbers are never copied.
- The hand-off card: names, address, date of birth, the family members, and the certificate's length and start date: The one scheme's online certificate or registration page, through your own browser agent, only when they ask Only the card's fields, on that one site. The agent stops before payment and Submit, and never types card, health card, member, tax or bank numbers.
- Check-in dates: Your own Google Calendar, only after a yes Neutral titles such as "Check-in", with no health details or amounts.
- Websites for you
- Some steps use a browser helper on websites it names. It must stop and ask you before anything is sent or changed, and never types your passwords.
- Your accounts
- Takes actions in your accounts. It must ask you before each change.
- Risk area
- Money
What it does, in full
Written in English. Answers in your language
Paste, upload or connect your receipts from the pharmacy, doctor, specialist and health insurer. It logs each cost by person and type, counts only what each scheme counts, and shows how close your family is to every safety net, prescription cap, prepayment certificate and tax threshold where you are, with the month you'd reach it.
It tells you the moment to register, get the card or buy the certificate, and your browser helper can fill in the online form and stop before payment or Submit. At tax time it builds the summary per person, with the rule for where you are, and shows each figure where a choice changes the result.
It handles costs and paperwork only: it never says which medicine or treatment to use, and it gives general information, not financial or tax advice. If your email, Google Sheets or Google Calendar is connected, it can find receipts, keep the log and add check-ins, and it asks first. It never pays or submits anything for you.
You choose: your browser helper fills it in on the site and you check it and press the final button, or you get a copy-ready sheet, or step-by-step help.
What you get
Ask. Works in the AI apps it's made for. Paste or upload what you have, and it does the job right there in the chat.
Works with your apps. If you've connected your email, your spreadsheets or your calendar to your AI app, it can use them to do more of the job for you. You choose: it works without them too, from what you paste or upload.
Does it for you. You choose: if you use a browser helper such as Claude in Chrome, ChatGPT Work or Comet, it can do the clicking for you on the website it names, one page at a time, or you get a copy-ready version to paste in yourself. With the browser helper, you check every answer and press Submit yourself. It never types your passwords or card numbers.
Remembers you. It keeps your health file in one place you own: your AI app or your own cloud drive, never on Trilly. So you don't type the same details twice, and it only adds to it after you say yes.
Works over days. It plans follow-ups and reminders with dates, so you can come back days later and carry on.
How each part works
Works with your apps.
- Email (for example Gmail or Outlook): find this year's receipts and statements from the pharmacies, clinics and insurers you name. It only reads.
- Spreadsheets (for example Google Sheets or Excel): keep the family's costs log over the year. It asks you before it creates or changes anything.
- Calendar (for example Google Calendar): remind you to add receipts, and when a threshold, the scheme year's end or the tax deadline comes near. It asks you before it creates or changes anything.
Does it for you.
The apps it can use
- Email Gmail Only reads Also works with Outlook
- Spreadsheets Google Sheets Reads, and asks before it changes anything Also works with Excel
- Calendar Google Calendar Asks before it adds or changes anything
Choose your apps Your version: Gmail · Google Sheets · Google Calendar · in Claude
Try asking
Once it's added, ask your AI something like this. Not sure it loaded? Is my skill working?
-
How close is our family to the prescription safety net this year?
To check it's working, the answer should start with "MEDICAL COSTS THIS YEAR".
-
prescription safety net threshold 2026
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medical costs safety net family registration
Get Medical Costs This Year
A$29 a year
Subscribe: A$29 a yearNew in version 1.0.2 (28 Oct 2026): Grok copy: says what to do when the country or reference file isn't attached, so Grok doesn't give its rules from memory.
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Price details
- Price in Australian dollars (A$). Trilly isn't registered for GST, so no GST is added.
- About a year in your currency, from the 's rate on , rounded. An estimate only. Prices are charged in A$, and your bank sets the final amount. Change
- How buying works
- Sold worldwide.
- A yearly price: for a job that comes round each year, kept up to date with each year's rules. Updates arrive by themselves.
- Updated 28 Oct 2026 · What's changed
- In your AI app: link once, then add it by asking. How