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  1. #11
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    I think ive narrowed it down to Australian Unity and Latrobe, discussing with both on which has the better benefits.

    One thing that is not clear if the services provide cover for pre and post pregnancy services by specialists and not just hospital cover for the birth. Anyone have experiences with this?

    Example ultrasounds, checkups...

  2. #12
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    From what I've been told hospital cover only covers inpatient stuff. The pre-natal check ups ultrasounds etc are Medicare benefits so there are gaps that aren't covered by private health. The biggest being the 20week check up which could be $2000-$2500 and only approx $400 covered.

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    Quote Originally Posted by Izy View Post
    Hey jaxkinabox- did you hear that all bupa funds have dropped it to immediate cover for baby if bubs is added from birth, within 2 months of birth! That means mbf, nrma, sgio,sgic, mutual community and hba have all got the same rule.
    That's great! It should be that way. We serve enough wait periods for pregnancy already without our children doing it too!


    Sent from my phony phone

  4. #14
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    Latrobe Health Services have now changed the Obstetric Waiting Period from 9 months to 12 months on the 1st September, 2012.

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    Default Re: New help choosing a private health insurance provider

    Oh bugga, so I'm too late! Was hoping to sign up this week...do ant funds still do a 9month waiting period for obstetrics ?

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    Default New help choosing a private health insurance provider

    Not that I'm aware of

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    Default Re: New help choosing a private health insurance provider

    Latrobe was the only one. Sorry

    Forgive any weird substitutions... Silly phone, but I still love it

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    Default Re: New help choosing a private health insurance provider

    Oh well....might have to go public hosp as a priv patient ...just have no idea where to start comparing besides on here! Thinking Royal women's is an option ...does it all depend if the OB I choose can attend a public hosp delivery ?

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    Default New help choosing a private health insurance provider

    Quote Originally Posted by Shauna10 View Post
    I think ive narrowed it down to Australian Unity and Latrobe, discussing with both on which has the better benefits.

    One thing that is not clear if the services provide cover for pre and post pregnancy services by specialists and not just hospital cover for the birth. Anyone have experiences with this?

    Example ultrasounds, checkups...
    I am currently 29 weeks with our number 1 bub and going private- we are insured with BUPA.
    With our obstetrician we will be out of pocket about $5k. Approx- in fact it may be even more. Obviously this various with doctors, but as others have said, PHI only covers us once we are in hospital.

    So far I have had 3 ultrasounds (dating scan, 12 wk and 20wk), all of which were $200 or more in ACT and with very little back from Medicare. I just got a $100 bill from ACT pathology for my Glucose tolerance test- not sure how much of this (if any) is covered by Medicare. Each Obstetrician visit is $130 with about $20-30 back from Medicare (I think?) and we have a $3980 management fee for which we will only get $400 or so back, and we have hit the safety net- less if you havent.

    It is worth looking into the public facilities in your area, because you may find that you would like to go that way anyway- it is still very $$ to go private even with PHI.
    I personally would not go without PHI- but it really is just so I can choose my OB and know that we will be covered if bub needs help once it arrives. You will also need to make sure that bub is covered once it arrives, eg cost of paed if needed etc.

    Good luck!

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    Default New help choosing a private health insurance provider

    If you are going phi ( and 12month waiting period) its been recommended to me to give yourself a little extra time ( ie took out phi on September 14th 2012 and due 14th September 2013 - so ensure due date in October onwards) as you won't be covered if bub comes early.


 

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