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  1. #61
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    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

  2. #62
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    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 °*°*

  3. #63
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    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.

  4. #64
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    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

  5. #65
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    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 °*°*

  6. #66
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    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

  7. #67
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    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.

  8. #68
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    Quote Originally Posted by GM01 View Post
    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

  9. The Following User Says Thank You to ohdear For This Useful Post:

    Izy  (03-02-2012)


 

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