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mummyanddaddy
12-05-2011, 14:20
Hi Mums and Dads,

My family does not have private health because I have always felt there was no need because if there was an emergency my girls would be treated at the royal childrens hospital for free and if they need to see a specialist or dentist etc I would just pay for it...

Do you have private health? Why? Which company?

Thanks for your advice.

MissEm
12-05-2011, 14:30
We are with medibank private and so glad we are!

Whilst I was pregnant I was in hospital 4 times - cost us $500 excess but just one stay would have cost more than that!

I have a few health issues and DH sees a physio for only $30 a time. SO helps us out a lot!

As long as we can afford it we will have it :)

Amara
12-05-2011, 14:32
I don't have it but I think I should get it but the cost is what puts me off. Being an older mum it's pretty exxy when you have never had apart from extras which don't count to the lifetime thing.

The reason I say I should have it is that although emergencies are covered lots of non urgent things have mega waiting lists. My son had to wait a year for a grommets op that only took a few minutes to do. He now has speech delay. I know families who have had to wait years for their child's spinal & brain surgery, because it was not considered life threatening. Things like tonsilectomy have long waits & in the the meantime your child can have a lot of pain every time they get struck down by it.

Also for the adults things like knee and hip ops have waits of several years on them so it's all well and good if you injure yourself in a car accident or at work, you'll get fixed quickly but if you do it just in everyday life or playing sport or whatever you could be waiting many many years for an op in the public system. A lot of the basic hospital covers that people have don't even cover knee and hip ops and you often have to have top cover to be covered for such things.

I've noticed a number of people only seem to have it for having babies & then they drop it when they are done & I find that weird as you can have a bub for free in the public system without any wait or anything, but then all the above comes in to play once you've had children & it seems that would be the time to be covered.

BH-KatiesMum
12-05-2011, 14:47
Yes I have private health, and yes I think its incredibly important.

While its true that in an emergency you will be treated in the same way whether you have PHI or not .... what if its not an emergency?

What if your children need grommets? or need their tonsils out? or need a tooth extracted (often done in hospital)?

My DH hurt his knee (after a concert) last year ... the waiting list for knee surgery was 2.5 years!!!! He had the op within a month.

Also, in relation to kids especially, but specialists in general, access to specialists is not only about paying for the appointment, but often specialists will only take you on if you have private health.



In my own case, I was about to undergo IVF ... I had a heap of blood tests which came back with a couple of high results. Nothing that you would normally do anything about, but enough to cancel my cycle. I had no symptoms of anything being wrong.

I was referred to a haemotologist, and because I had private health insurance I was able to see him within 2 months. The wait for his public patients was 15 months or more (probably longer for me as I had no symptoms). He saw me on a Friday and booked me into hospital to do a bone marrow biopsy on the Monday (something that DEFINITELY would not have happened without PHI) .... I was diagnosed with Luekaemia then.

Because I got to see him straight away ... and got into hospital to do the tests etc ... my treatment options are much better, my outcomes are fantastic and my general quality of life is an enormous amount better than if I had had to wait 15 months or more.


This time last year, I was experiencing some issues transitioning to a new drug (very unexpectedly .... its not normal for someone with my condition and my results to experience any difficulties) I was in a lot of pain ... called my specialist and said 'I think I need to be admitted to hospital'. I did not go to emergency ... I just rang him. On the strength of one phone call, my doctor arranged for me to be admitted immediately to the private hospital where I stayed for a week. I dint have to wait, didnt have to do anything ... just rocked up and was taken directly to my room. I have not received a bill for that at all.

If I didnt have private health, and I had gone to emergency (I was in IMMENSE pain and needed morphine) I would have spent I dont know how many hours in an emergency waiting room before being seen to or admitted ... it wasnt life threatening ... just incredibly painful.

Now I realise that you dont have medical conditions that may have these issues .... but then again, neither did I when I had DD.

My point is - its insurance. Its not for what you know that you need now .... but for when something unexpected happens.

I would hate to think of what my life would be like now if I didnt have private health heading into all this. :(

millsmum
12-05-2011, 15:45
We have whole family cover with medibank private. we had a bad experience with the public hospital when one of our children had to go to hospital and the very next day when we got home we joined private health cover.

Chocolate All Gone Now
12-05-2011, 15:50
Medibank Private here - second top cover (now that they added the new top)...

Why I have it... Honestly, i just didnt get rid of it after coming off my parents. Just got my own...

okay not the cheapest thing in the world, but it's the public waiting periods that scare me... My mum broke her collar bone and doesn't have PHI, her collar bone healed way before she could have had surgery. yet had she had PHI, she would have been seen earlier.

doglover
12-05-2011, 15:57
We have it - we are with NIB - and more than get our monies worth.

My son had to have his tounge tie cut - it was done in the private hospital 2 weeks after discovered - public wait 18 months.

My husband had all 4 wisdom teeth out - less than a months wait.

I am about to have my second baby in the private system.

My son and I regularly see physios (our son has orthodics - we got him them immediately, public wait 6 months just to be assessed). We all regularly see the dentist.

All the hospital stays above have been no gap so have only had to pay the excess.

Wouldn't be without it - especially now we have kids. If our son didnt have his tounge snipped when he did he would have had speech delays.

*Sparkles*
12-05-2011, 16:18
We took it out before I had DS2 so that I could have him privately (which I did).

We only have basic hospital cover now through Frank, because it's all we can afford. But we have it for all the reasons that other posters have stated.
I was recently in hospital for DVT in my leg but I went public because it was free and I received the same level of treatment. But if we needed something urgent or elective done then we would use our private health ins.

trishalishous
12-05-2011, 16:31
My point is - its insurance. Its not for what you know that you need now .... but for when something unexpected happens.

I would hate to think of what my life would be like now if I didnt have private health heading into all this. :(

so true!

bellalika
12-05-2011, 16:52
We're with NIB.

I've had both boys in private hospitals with my OB there. All up it was under $1000 for each pregnancy including scans.

DS1 was in the SCN for 11 days - $800 a day but covered by private. If public he would have had to be transferred to another hospital.

Hubby's broken nose was fixed in a week. Public said he would have to let it heal incorrectly and, if he had breathing issues in 12 months, he could wait for an appointment to get it rebroken.

DS2 needs to see a pediatric chiro.

Hubby's 11 fillings (one for each year he refused a check up) maxed out our annual dental but a lot was covered.

When I lost one of my two babies with my first pregnancy I didn't have to wait in emergency with "unexplained bleeding" like a may have at the local public hospital. I was admitted straight away, although only looked after by a nurse for 20 minutes until a dr was free.

As a PP said, it is insurance. You may never need it, but I want to know it is there if we need it, which we hopefully won't.

mummyanddaddy
12-05-2011, 17:00
Thanks everyone for the info so far. When you look at it like insurance, same as the house or car, you wouldn't be without that and this is way more important.
I didn't realise that some specialists would not see you without private health. It's just so expensive though! I don't need it for pregnancy related as we have our two daughters and aren't planning on any more. I haven't had anything but good experiences in public hospitals otherwise I probably would have had insurance by now although waiting lists are a bit of a joke!

bellalika
12-05-2011, 17:05
Thanks everyone for the info so far. When you look at it like insurance, same as the house or car, you wouldn't be without that and this is way more important.
I didn't realise that some specialists would not see you without private health. It's just so expensive though! I don't need it for pregnancy related as we have our two daughters and aren't planning on any more. I haven't had anything but good experiences in public hospitals otherwise I probably would have had insurance by now although waiting lists are a bit of a joke!

Maybe look into public hospital with extras?? Or basic private hospital with extras? You can get different levels and not all cover pregnancy.

DonDon
12-05-2011, 17:05
We do with mbf top hospital no excess or copayment and extras. I wouldn't be without it for all the reasons stated. When I had ds I had placenta praevia and needed an elective cs. My ob works on the public hospital on Tuesdays but because I needed my cs and he was full up he rang while I was in his room and cancelled his public surgery list for the Tuesday so he could deliver my ds. They tried to argue with him but he just said sorry you might have to get the registrar to do it! So the public patients would gave had someone less experienced or had their ops cancelled.


Sent from my iPhone using Bub Hub

One of THOSE mums!
12-05-2011, 17:06
We have basic hospital and extras. This includes ambulance cover too.

Using the extras we get our dollars worth. Df and I both wear glasses. And we use chiro, physio etc.

It is the peace of mind that if anything serious went wrong we would not be ugly out of pocket.

Izy
12-05-2011, 17:22
top cover. Gotten a few crowns with no out of pockets but the true reason i have it is hospital. I couldn't care less about pregnancy, we have enough choices in my area.
Life impacting but not life threatening conditions just have too long a wait, so i have it for that.
Sadly working for a phi fund i've heard of numerous situations where a 'slight concern' was put off so long it became life threatening or terminal. They were the hardest people to talk too. Can you imagine buying your cover cause your dad's "pre-cancerous cyst" wasn't removed until it had reached the blood stream as it was less urgent than others?

second baby not so easy
12-05-2011, 17:33
Im with Mutual Community and they keep going up :gonnagetit: , we have hospital with extras. So during 1 calander year excess is $400 per hospital visit but capped at $1000 a yr.

As everyone has said before you just dont know when you may need it and to have the flexibility of choosing drs, less waiting time and reduced costs when you most need it.

But just this yr alone, I have done 2 ICSI/IVF cycles which have saved me over $2000 per cycle (so its just covered my yearly private health cost just in that cycle!) been to physio 5 times saved me $150, gotten new glasses which has saved me $350, my DS has been to Dentist and saved me $50. Now im seeing my own private ob and i will roughly be out of pocket about $1500 for the whole pregnancy, labour, hospital etc - which I get to choose.

So even though it is a bit expensive I would not be without it!

Tls5431
12-05-2011, 20:02
Yep, I have it with Manchester Unity and glad I do. Recently had a funny smear on my thyroid biopsy, was in to see the Thyroid surgeon within a week and then in hospital in two weeks to have part of my Thyroid removed.

$250 excess for the hospital stay and $201 out of pocket for the surgeon.

lovelymum
12-05-2011, 21:01
Yep we have PHI, we were with medibank private but just switched to HBA as they pay more on their extras. I would never be without it, we have used it every single year for a hospital claim sometimes 2 - 3 times a year. Our cover for a family with top hospital and medium level extras is $300 per month. We have been on struggle street for the past few months and I have cut out things from our budget like dropping the kids swimming lessons (can do it ourselves at the local pool for $5) but the PHI is not even something I would consider - it is just to valuable. If someone in my family is in pain or needs an 'elective' procedure I would never forgive myself for leaving them on a long term waiting list

BigRedV
12-05-2011, 21:10
We have it. Didn't use it for pregnancies, I wanted to stay right away from an obstetrician.

I am with teachers' federation health. I have essential extras. It is $80 a fortnight for our family. I only have it because I feel we have to.

I think I pay out more than what I actually get back as we only use it for chiro. If I wasn't over 30, I'd probably be better off just saving the $40 each week and using it when needed for medical bills.

Nat1341
12-05-2011, 21:22
yes and yes i think it is very important, i wouldnt be without it. I am currently sitting in a private rm at a private hospital with my 3yr old son. He had his tonsils & adnoids out & grommets done this morning. this is not costing me a cent, my meals, room at hospital, petrol to drive the 2.5hrs here are all covered by my health fund. They have also covered a hotel rm for us all last night & a hotel rm for my DH & 1yr old tonight. The surgeon/ENT & anaesthetist are covered too. I saw the ENT 3wks ago & we're here now. We use our health fund all the time- we get 2 dental visits a year free, $500 worth of cancer council products each a year (for hats, sunnies, suncream) i get bad cracked heals so i go to the podiatrist about 6 times a year, my son saw a speech therapist, my husband has a bad shoulder so he sees a physio- all of these things are completely covered. I had both my kids at a private hospital & stayed 7days with each, so did my husband, everything was paid for him by our health fund. We are in the top level of cover, and yes it is very expensive, but it is so worth it!

ecstatic
12-05-2011, 21:52
Im with medibank private. Need extra for remedial massage, dentist n for having a baby

bluerhapsody
12-05-2011, 21:57
My parents got private health cover for me when I was a teenager, as I suffered a long-term eating disorder and the only way to get decent treatment was through the private system! I still have it and I think it's very important.

There are lots of unexpected 'non-emergency' procedures which are still very important for quality of life.

I had to have a bilateral earlobe split corrected with surgery- went through the public system and was put on a 36-month waiting list- went through the private system and had the procedure done within a 1.5 months.

Public hospitals have a 'priority' system- meaning that if you aren't deemed urgent, you're not treated urgently!

You could be in a car accident and be treated through the ER in a public system, which is great- but 6-months down the track, you may want to get re-constructive surgery on a damaged knee, or to improve the appearance of scarring which is affecting your self-esteem. Depending on how urgent the hospital thinks your needs are, you may have to wait some time to be treated- purely because there are people out there who will be needing those same surgeons to perform life-saving surgery on them!

It's dear, but I think it's important :)

RmumR
12-05-2011, 22:09
we have top level family cover with mbf.
we'd both had basic hospital cover but upped it when DH was playing football and have left it up there and its come in handy a lot in the last couple years.
each DH and DD1 have had operations, i had DD2 and DH and i both get a remedial massage once a month with ends up costing $10 after rebate. also i took DD2 to a chiro a few times and gap was $5!

grumpybump
12-05-2011, 22:37
We don't have it.

I don't have any experience with the hospital system (other than labour & birth which was public all the way and amazing) as both me, DH & DS have never needed to get any minor or major procedures done.

Sorry to hijack OP but what are you looking at for basic hospital cover plus extras?

FloatingFairy
12-05-2011, 22:58
I have it because my parents got it when I was born due to a medical condition that they knew I would need help with.

I have top cover family cover plus extras etc with HCF.

Love it. I like knowing that its there and I dont have waiting periods and I have a choice at the type of health care I want.

FloatingFairy
12-05-2011, 23:12
I reckon HCF is a really good fund as well, they also have excellent extras and rebates.

PHI gets me excited, I don't know why.

:yes: one of the extras im loving at the moment is, at the end of DD's swimming term I get $150 back :) always comes in handy!!

LOL It gets me excited too haha I thought I was just weird :)

FloatingFairy
12-05-2011, 23:32
Oh let's be PHI dorks together :hyper:

I think it's because the extras gets something back.

We need to go back on extras for glasses, and dental, will shortly.

:highfive: Lol for sure hehe

Yes its so good to actually see some of the money invested into PHI!!!

Oh man I'd have died if I didnt have dental. Because I don't drink milk and avoid most dairy (apart from cadburys dairy milk chocolate lol), when I was preggers, DD just sucked all the calcium from my bones and teeth and even though all my life, Ive gone to the dentist every 6 months and been a natzi* about good teeth, I still needed to go to the dentist like once a week for most of my pregnancy, had like a thousand fillings, a crown, blah blah blah you name it! Each week I'd be all fixed up, then a month later "oh you need 5 more fillings" WTF :freakingout: my poor mouth :(

*(sorry if that word offends anyone, I have no ill intentions)

jsma10
12-05-2011, 23:53
My son had to have his tounge tie cut - it was done in the private hospital 2 weeks after discovered - public wait 18 months.


interesting that I don't have PHI and my son's tongue tie was corrected when he was 6 days old with a private specialist. Didn't pay a thing and the appointment was wait was 3 days.. so perhaps it's only certain areas that have such a long waiting period?

The Fox
13-05-2011, 00:07
My son had non urgent surgery through the public system when he was 9 months old. He needed more surgery after that which was also non urgent and I Even got to pick the month they did it in so It wouldn't interrupt my uni exams.
I don't have PHI and personally don't see the need for it for us. I havent had any bad experiences with the public system.

Izy
13-05-2011, 07:39
waiting periods come down to your area and luck.

doglover
13-05-2011, 09:34
interesting that I don't have PHI and my son's tongue tie was corrected when he was 6 days old with a private specialist. Didn't pay a thing and the appointment was wait was 3 days.. so perhaps it's only certain areas that have such a long waiting period?

At 6 days old the specialist would have just snipped it in his room yes? My sons wasnt picked up till he was 10 months old and he had to be knocked out and operated on for it to be corrected. That's prob the wait difference.

BH-KatiesMum
13-05-2011, 09:50
Thanks everyone for the info so far. When you look at it like insurance, same as the house or car, you wouldn't be without that and this is way more important.
I didn't realise that some specialists would not see you without private health. It's just so expensive though! I don't need it for pregnancy related as we have our two daughters and aren't planning on any more. I haven't had anything but good experiences in public hospitals otherwise I probably would have had insurance by now although waiting lists are a bit of a joke!

I tis incredibly expensive.

I would have a pretty good look around at the different companies and get just the level you need. Basic hospital cover, with an excess is not so bad ... and will get you into the hospital in these kinds of situations.

MyAlterEgo
13-05-2011, 11:05
Yes and I refuse to give it up :-) my mum has PHI and in 1 illness with 2 hospital stays and an emergency RFDS flight to Perth total cost $40,000 plus. The initial op (Gall bladder removed) she required would have been a 2 year wait if public and she has it in 2 weeks and spared herself years of pain and hospital stays waiting.

We are with Peoplecare and cannot beat value for money with their cover we have basic private (covers private hospital for everything except 4 things that are only covered in public hospy) with silver extras for our family of 5 it's $160ish per month.

HTH

ecstatic
13-05-2011, 11:30
:yes: one of the extras im loving at the moment is, at the end of DD's swimming term I get $150 back :) always comes in handy!!

LOL It gets me excited too haha I thought I was just weird :)

This is really good. Will check hcf for monthly payment. With medibank i didnt get any back but pay quite a lot for monthly :( are they good extra for remedial massage? Hehe thats my treat from PHI

mmy2b
13-05-2011, 11:48
:yes: one of the extras im loving at the moment is, at the end of DD's swimming term I get $150 back :) always comes in handy!!

LOL It gets me excited too haha I thought I was just weird :)

Oh im very interested in this? We have HCF cover, only hospital and general extra I think it is do you happen to know if I would still get this? Or is it only with top cover?

FloatingFairy
13-05-2011, 11:52
This is really good. Will check hcf for monthly payment. With medibank i didnt get any back but pay quite a lot for monthly :( are they good extra for remedial massage? Hehe thats my treat from PHI

(I may have misunderstood you here but if you mean what I think you mean) with the swimming, it doesnt automatically get sent back to your back, I had to take the receipt of payment to a HCF branch to claim the $150 back.
not sure if thats what you meant or not hehe


Oh im very interested in this? We have HCF cover, only hospital and general extra I think it is do you happen to know if I would still get this? Or is it only with top cover?

I actually don't know...I checked over my forms to see if it was written anywhere and its not so possibly just give them a call and find out.
I also don't know if its for any swim school or certain ones (you know how like certain hospitals and dentists work with certain health funds...)

Guest654
13-05-2011, 13:07
Yes, we're with HCF. I prefer the treatment at private hospitals - e.g., private room/ better facilities, and have had better experiences through private health than public.

I've also been able to claim a lot of things like acupuncture, pregnancy aerobics/ pilates, etc. which has been handy.

Izy
13-05-2011, 13:09
Not all funds pay for swimming lessons, in fact MOST don't.

In July 2002 the government did a massive overhaul of 'lifestyle' based programs. They made multiple recommendations and basically told all the funds that if they ignore the recommendations they would introduced them as legislation to the PHI Act.

Most funds ceased paying benefits then, or in 2005 when the governing department again told the funds to tighten things up. It's because MOST funds listed that it has not yet been legislated.

Rule of thumb is lifestyle programs should be amelioration of or prevention of a specific medical condition. As important as swimming lessons are in most cases it's not prevention or treatment. (although I guess we can all pull the asthma card lol)

(can you tell swimming lessons is a bee in my bonnet?)

millsmum
13-05-2011, 13:24
yes one of the funds we looked into provided money back for swimming lessons for children the catch was that they had to be diagnosed with asthma to get it back though. It also provided money back on cancer coucil products. we ended up going with medibank though

BorrisWombatWife
13-05-2011, 15:34
I LOVE my PHI
It is expensive but in saying that I have used over $35k worth of benefits so will need to be in it for many years to match my contributions to theirs.

I see it as people insurance but unlike my car insurance I get something back when doing maintenance or if something goes wrong and breaks. The annual premium is not much difference.

PS, My alter ego.... I think your sisters a legend!!!:smiliedance:

mmy2b
13-05-2011, 15:36
yes one of the funds we looked into provided money back for swimming lessons for children the catch was that they had to be diagnosed with asthma to get it back though. It also provided money back on cancer coucil products. we ended up going with medibank though

Oh i'll definitely have to give HCF a call then...that would make swimming lessons a lot more affordable and both my boys have been diagnosed with asthma...It would never have even occured to me that we would get money back for it.

bellalika
13-05-2011, 18:11
Not all funds pay for swimming lessons, in fact MOST don't.

In July 2002 the government did a massive overhaul of 'lifestyle' based programs. They made multiple recommendations and basically told all the funds that if they ignore the recommendations they would introduced them as legislation to the PHI Act.

Most funds ceased paying benefits then, or in 2005 when the governing department again told the funds to tighten things up. It's because MOST funds listed that it has not yet been legislated.

Rule of thumb is lifestyle programs should be amelioration of or prevention of a specific medical condition. As important as swimming lessons are in most cases it's not prevention or treatment. (although I guess we can all pull the asthma card lol)

(can you tell swimming lessons is a bee in my bonnet?)

My PHI use to cover 50% of gym memberships and give a $100 voucher for rebel sport each year. It kept changing. Now it is 10% off cancer council from the cancer council store in the city or online (p&h makes savings irrelevant) and quit smoking program. You can get $ for Weight Watchers too but you have to be hugely overweight and jump through hoops to get anything back.

Izy
13-05-2011, 19:05
that seems a bit stupid since weight watchers won't accept you unless you have an unhealthy bmi. It's common that things like gym are payable on presentation of declaration from yous dr. And as for cancer council, well everything there is 100 % preventative items

mummyanddaddy
13-05-2011, 21:50
I think you have all convinced me to get PHI. I am going to start looking into it. Any recommendations of funds. I am thinking of NIB at the moment. Thoughts? Thanks.

bellalika
13-05-2011, 22:55
I'm with NIB. :)

mummyanddaddy
13-05-2011, 23:03
Hi Bellalika, which plan are you on? Did you compare prices when you decided on NIB?
Thanks so much.

bellalika
13-05-2011, 23:17
We're on family plus, but they may have changed the name. There are two main family ones. One has labour ward etc and one doesn't. From memory the other is safeguard.

I did compare prices but I had some limitations due to my epilepsy. Some funds didn't want to cover anything linking from it. I was with NIB when diagnosed so they didn't have a problem. Cost and if they would cover me were my criteria for coming up with a top five. I then looked at what they covered, what would be relevant to my family and then went from there.

Mel2045
31-01-2012, 15:45
Has anyone used teachers' union health or teachers' health? Currently deciding between the two. We want top hospital and extras which will be about $300-350 a month for a family depending if we opt for excess. I also want to upgrade for birth of baby #2.

Tamtam
31-01-2012, 15:59
Has anyone used teachers' union health or teachers' health? Currently deciding between the two. We want top hospital and extras which will be about $300-350 a month for a family depending if we opt for excess. I also want to upgrade for birth of baby #2.

Yes! Was a member if TUH for over a year and switched to medibank. In the end was paying more for TUH without getting as much back from providers. This was in comparison to what we were paying for hospital/excess... Monthly premiums, and claims on dental, dietician and optometry. Also using remedial massage and upgrading to OB cover etc. I'm not sure if anyone else would say good things, but honestly my experience with them wasn't good. Have been paying less with medibank with a much better cover. Also had some problems with over payments and claims not being done. So overall my experience with TUH not so great.

mim1
31-01-2012, 16:49
We're on family plus, but they may have changed the name. There are two main family ones. One has labour ward etc and one doesn't. From memory the other is safeguard.

I did compare prices but I had some limitations due to my epilepsy. Some funds didn't want to cover anything linking from it. I was with NIB when diagnosed so they didn't have a problem. Cost and if they would cover me were my criteria for coming up with a top five. I then looked at what they covered, what would be relevant to my family and then went from there.

I know this is an old post but in case some of you don't know private health insurance cannot refuse you cover due to a pre-existing condition, but you will have a 12 month waiting period for treatment relating to a pre-existing condition. But then there's the fine print of each subtype of insurance as to what is & isn't covered like maternity, cosmetic surgery, weight loss surgery, etc. If you're going to get insurance it's a good idea to read all the fineprint & seriously consider what you are getting covered/not covered. You might think you need cover for some things, but then 2 years later you could regret it.

nelle7250
31-01-2012, 17:19
i have single private health with BUPA (MBF) middle of the road so that the cost of IVF if required was covered. Would love to extend my cover to include my kids but i just cant afford it.

i will use it to be a private patient in a public hospital to have baby #2 as i did with #1. I had 6 admissions with #1 before she was born and each time got a private room which made things easier for me.

Wouldn''t be without it once baby #2 arrives i will assess and adjust the family budget in hopes that i can afford to add my children

headoverfeet
31-01-2012, 20:47
I'm with Bupa too, I kept hitting my limits on my ancillary cover so I switched to their top level, I pay nearly $400 a month but I save $260 a week with all of us going to the chiro (that's after I take out the $400) plus I just got my teeth fixed (2 fillings and 2 cracks/chips fixed and both boys teeth checked and it cost me nothing) I have to have all 4 wisdom teeth removed and it won't cost me anything :D very happy!


Took the red pill.

jessesgirl
01-02-2012, 20:57
Hi Girls,

Currently we are with Latrobe Health, Im not sure we are getting the best benefits... We pay $173p/m for dh and I just for hosp cover (top)

Im looking on Iselect atm to see whats better for us.. but it seems that Bupa is quite popular on here...

For thoses who are with Bupa, and are currently doing IVF advise on what you get back for your cycle? I am interested in the mid range hosp cover.. Advantage I think its called..

Thanks again!

X

Tamtam
01-02-2012, 21:19
I think you get better deals calling the company direct. Maybe choose the top three from iselect and then call each one and ask all questions relating to the cover you want. It takes a while but I found the deal cheaper and some are offering the first month free at the moment when you speak directly to the insurer.

Izy
01-02-2012, 21:28
Agreed. Take I-select with a grain of salt.

Perhaps ask your clinic/specialists if they have a prefered fund.

jessesgirl
01-02-2012, 21:49
Ah good idea...

I will do that tomorrow... Thanks for the tip!

I did a quick one on my phone last night and it said that frank health (never heard of it) would be good for me yet today it's hcf that's a good match...

Tamtam
01-02-2012, 21:51
Also some might seem cheap with the premium but the claim refunds etc might not be much. I've been caught out with that. It's such a headache organizing private cover but if you do the homework it'll pay off. Good luck! Hours on the phone that you'll never get back!!! Haha

ohdear
01-02-2012, 21:54
Hi Girls,

Currently we are with Latrobe Health,

and are currently doing IVF

Switch from Latrobe asap they are cheap for a reason

also if IVF is not current selected it will be a pre-existant condition this happened to me

also what I love about phi is you can have insurance for you pets yet you can not insure your child without insuring yourself how does that work

jessesgirl
01-02-2012, 22:15
Thanks ohdear!

Eek! Now you have me worried! We have been with Latrobe for over 2 yrs now had extras but really didn't use them at all so dropped to just top hosp...

I dread sitting on the phone tomorrow but I have to do it! 😳

Only reason I'm looking on iselect is if you change thru them I don't have to serve any waiting periods whatsoever ... But as pp has said I think I'll get a better deal calling direct!

Any particular questions you think I should ask?

X

Tamtam
01-02-2012, 22:23
I would ask...
1. Hospital excess- every time you go? One per year?
2. Waiting periods roll over (they should but ask for confirmation).
3. Ask for examples of refunds with claims you might use... From glasses to fertility. Or chiro/massage etc. the sorts of things you would use because the vary from product to product. Eg my old insurer would only give me back $18 from a $65 visit to dietician. But new one gives almost $30.
4. Some companies have free dental from their provider choice, check if your dentist is on their list, otherwise you'll have to pay or switch dentist.
5. Check for any current deals like first month free.
6. Some allow different premium based on your hospital excess too so you might want to check that.

Perhaps make a list of the five things you want to be covered for etc. this is what I did and I called around. Medibank turned out to be the best for us.
Hope that helps a bit!

ohdear
01-02-2012, 22:24
what we did was do the transfer (hospital) components as a public patient and not pay the bed fee the rest you still have to pay for anyway

hope it all works out for you

it really annoyed me to be told that you have a pre exisitng when nothing wrong

Izy
01-02-2012, 22:24
Jessegirl. If you go through iselect its the same as going directly through any fund. You only get conty for the things you had. The advert says no waiting periods when you switch to an equivelant cover or lower.
Not sure what you're talking about with pet insurance pp. It's certainly not a phi item. And to clarify ivf is not subject to pre-existing ailment waiting periods. Pregnancy and pregnancy related services have thier own 12mth wait category.

*°*° Sent from my last connection, my phone °*°*

Tamtam
01-02-2012, 22:27
Sorry disagree with iselect versus calling direct. I have changed my insurer last year and the premium online and with iselect was different to the options/cost when I called direct. This may be different for someone else but it certainly wasn't for me.

jessesgirl
01-02-2012, 22:30
Thank you do so much!!

Very much appreciated re: questions to ask! Yes will make sure ivf and pregnancy is def included!

I'll let you know how I go!

X

Izy
01-02-2012, 22:34
I suggest the q's to ask is...
* is ivf covered
* are any services excluded or restricted
* How does you gap cover scheme work for dr's
* does the cover have excess and/or copayment and will they apply for day procedures (egg pick-up & drop off are classed day surgery)
* does the fund have an agreement/contract with the facility you want to go too.
*is there benefit for pharmaceutical items as outpatient (some stimulating drugs etc) & if so, how.
* ask what the funds equivelant cover is to <insert current product name> & if you'd have to reserve/serve ivf waiting periods.

Don't hide that you're going to look at ivf. They can't reject you or change the price based on need

If you and your partner are high income earners just make sure your hospital cover has an excess of $500 or less for medicare levy surcharge exemption.
*°*° Sent from my last connection, my phone °*°*

jessesgirl
02-02-2012, 15:41
Hi girls,

Ahhh do glad that's over! That was 4 hours I won't get back! Haha. I think bupa is best for us.. Mid hosp and your choice extras.. The guy was so helpful and any question I thru at him he knew!

However rung medibank.... Hopeless! Couldn't get a word in sideways! She didn't mean it just one of those ppl.. Gave her item numbers to give me est refunds and she couldn't! And wouldn't! Says 'up to $500 you'll pay' ummm no I said if I'm a paying customer of yours and I'm having upcoming surgery then I want to know what I'm up for! No sorry I can't tell you! She lost me! Then when I asked her to email the 2 packages she said 'nope, just go on the website'

Others much of a muchness really...

All in all will cost us $52.10 a week. We are paying $45 pw for just hosp! So that's fine!

Geez it's hard work isn't it! Haha thanks heaps girls!

X

GM01
02-02-2012, 15:59
I've thought about this quite a bit too. It's really the scenario that dictates how important private health is.

If anything really seriously happens to you, you'll end up in a public hospital. My father had secondary melonoma, saw a specialist and was booked in for sugery in private hospital that week. The waiting list through public would have been longer. However, later he had a very severe stroke, was in ICU with a dedicated nurse and spent over a year in hospital, never paid a cent. Both wonderful treatment, one public one private.

I see private health insurance for those times where you may need non-life threatening things done - maybe a knee replacement, going to get your tubes tied or similar. If you had to go through public, you would wait months and months. So you're paying for convenience.

ohdear
02-02-2012, 20:32
ISo you're paying for convenience.

Basically yes

end up in ICU your public best skilled staff in public system

as far as babies phi work every cent