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  1. #91
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    We can't afford private health cover at the moment.

    On paper it looks like we can. Combined we earn over $100,00 but all our money is going in family law bills (my fault). My DP is kindly paying for my law bills. He is also paying for my children as I don't earn anything like him. Because of his income I don't get any help from centrelink apart from CCR.

    Just because on paper it looks like you can afford to loose the rebate does not mean that everything is all easy street. We were looking at it as we are both over 30, but at the moment we just can't afford the payments.

    People from all incomes have different commitments, different health issues. Some that are not covered by either the public or private system.
    I worry that people will pull out of PHI and put more pressure on the health system. This will affect us more than financially as it will affect my DPs hours and income working in a public hospital emergency department.

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  3. #92
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    I'm glad we don't earn that much as we already pay $286.50 per mth for our PHI.

    Just wondering though, does anyone know how that effects single mum's? Are they classed as a family with the threshhold or a single?

  4. #93
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    Quote Originally Posted by Savingfishfromdrowning View Post
    It's not fair. We don't earn over 160K, but because I have a pre-existing condition it's expensive to insure us as a family so DH and I are insured as 'singles'. He is over the limit for a single, so we will pay more no matter what.
    I just thought I'd point out that PHI companies are not legally allowed in Australia to charge ppl more for a pre-existing condition. All premiums are based on ages and at what age you joined - your medical history or status plays no part in your premium.

    So you should be able to combine your cover and hopefully save some money. Hope this helps

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    Izy  (10-02-2012)

  6. #94
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    Lucky you can afford it, many others can't and go without. You are right about one thing... Healthcare should be equal for all, and in this country it isn't.

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  8. #95
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    Quote Originally Posted by BigRedV View Post
    Lucky you can afford it, many others can't and go without. You are right about one thing... Healthcare should be equal for all, and in this country it isn't.
    I fully agree with this. We are not like the states but it is disgusting to me that health care and medicine is so expensive. Like anabella was saying, sometimes you can be so poor you can't afford to get a script filled.. If there is no bulk billing surgery near by people can't afford to see a gp.. Its disgusting. Health care should provided to everyone equally with virtually no cost involved.. So for a child with a severe speech delay to see a therapist should not take 2 years!! And dental should not cost so bloody much that people let their teeth fall out.. And even if someone is earning okay money but up to their ears in debts.. Their child should not go without medicine because they have no money that week.. And if someone is unemployed and homeless they should be able to walk in off the street and get seen and get medicine. I know people paying hundreds out of pocket for child psychologists etc and its just so wrong.. They shouldn't even be 10 dollars out of pocket in my opinion. Health care is a basic human right. We all pay for it in this country and we should all equally be able to access whatever we need when we need it.. That's in a perfect world of course

    Sent from my BlackBerry 9100 using Tapatalk

  9. #96
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    BarefootedMumma is offline Aiming to be in the top 10 busiest users one week.
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    Quote Originally Posted by TinyLittleTootsies View Post
    Yeah, it will be worth it to them to have PHI. The tax for not having it is more than having it and not getting the rebate.

    From the age...
    Health Minister Tanya Plibersek said yesterday that she believed the legislation would pass ''because of the merits of the case''.
    ''We're talking about a fairness issue here, we're talking about people … some of them on, say, $50,000 a year who can't afford private health insurance themselves, subsidising the private health insurance of people, including very high-income earners, through the tax system, and we believe that that is not a fair system.''

    I agree.
    MLS for $166K per couple $1,660 My current PHI for DH & I $2,998 with the 30% rebate.... We don't earn $166K Granted we if we didn't have extras we would be paying half that... still it's pretty cheaper to pay the MLS.

  10. #97
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    That sucks It just keeps going up and up.

    I had to get rid of mine last year (after 12+ years of having it) due to just not being able to afford it anymore, and I was with one of the least expensive covers.

  11. #98
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    Getting back to the OP....The most unfortunate part of means testing PHI is that it will ultimately drive up the premiums for EVERYONE else, regardless of your income and affordability. Politicians will say the opposite to win votes, but it's simply not true (I work in the industry).

    Many ppl only have PHI purely to avoid the additional tax, so if these changes result in higher costs then they will simply cancel cover. This in turn will increase overall premiums as the PHI companies still need to make enough money to cover everyone else insured. This again in turn will put more pressure on our already full public system - it's a vicious cycle where no one wins.

    So whether you agree/disagree, low/high income earner etc etc it's kind of irrelevant because if this means testing is allowed to pass then everyone will have to pay more no matter what your income/budget. THAT in IMO is what sucks the most!!

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  13. #99
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    I am very happy to swap my taxable income of $16050 a year for the income of any of the badly done by high income earners! Come and live in my life for a week and tell me I don't work hard. I am studying, doing work placement, sole parent to a toddler with special needs. He has at least 3 appointments a week with specialists. I had to loan money from my mother today as I could not afford to take my DS to the doctor and buy the antibiotics he needed. PHI isn't even a remote option for me as much as I would love to have it.

  14. #100
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    Are you guys serious?

    as a resident you have medicare just like everyone else. You can access public health just like everyone else.

    As a high income earner you pay the medicare levy, just like everyone else.

    You are also asked to pay a medicare levy surcharge to help subsidise public health so that the poor and wealthy can access health services equally.
    You have been given the option to have phi instead of paying the mls, so you 'get something' for the money you'd otherwise pay in tax.

    Even WITH a means tested govt rebate on the cost of phi, a general policy will cost less than the alternate option of tax.

    So to summerise, your upset that you get private health for less than the alternate option of tax.

    Why don't you walk in the shoes of someone on an income of under $40k p/a that still has phi, and tell me again why a slight reduction in government rebate for high income earners is so harsh.

    Sent from my GT-I9000 using BubHub

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