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  1. #101
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    For those who only use the extras & not the hospital cover. You can actually just choose to have extras to make it easier, so you can go private but in a public hospital

  2. #102
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    Quote Originally Posted by Mumma Nurse View Post
    For those who only use the extras & not the hospital cover. You can actually just choose to have extras to make it easier, so you can go private but in a public hospital
    But I believe that the medicare levy surcharge will apply if you don't have hospital cover?

    I'm not sure, DP and I are on less than $50k combined, he has health insurance but we can't afford it for family cover.

  3. #103
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    To avoid the mls you must have hosp cover with $500 excess or less.

    And the idea is the rebate doesn't just disappear if you're over the threshold, but it's indexed.

    If you want to just avoid mls you can get the most budget 500 excess policy and voila, so i'm still not buying into the woe is me on it all

    Sent from my GT-I9000 using BubHub

  4. The Following 3 Users Say Thank You to Izy For This Useful Post:

    delirium  (10-02-2012),Deserama  (12-02-2012),naebie  (10-02-2012)

  5. #104
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    You need to be a single income earner on 124k or a family on 248k to lose the rebate entirely!

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    HELPihavea2yrold!  (10-02-2012),Izy  (10-02-2012),naebie  (10-02-2012),Pinkzy  (10-02-2012)

  7. #105
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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.
    Not for us... We pay $3252 a year for PHI now, with the rebate. Without the rebate we would be paying $4227 a year.

    If we were to cancel it and pay the medicare levy surcharge, we would only have to pay $2050 in surcharge.

    If this goes through, then we will drop our private health cover. It's just not worth it any more. This baby will be our last, so no need for it any more. We'll keep extras cover, but no more hospital.

  8. #106
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    I have nothing to say other than...I wish I was rich so I can afford PHI to start with LOL

    And to say....

    Some people just can't see anything past the steam from their own skinny chai latte.
    This would have to be one of the best quotes I've ever seen!

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  10. #107
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    Quote Originally Posted by BigRedV View Post
    You need to be a single income earner on 124k or a family on 248k to lose the rebate entirely!
    according to the linked doc those on 250k only lose 1200 a year. So I'm unsure of the cut off but obviously around 300k+? Or is $1200 a year the maximum you get? wasn't sure so wanted to clarify...

  11. #108
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    It cuts out entirely at 258k. I assume the $1200 figure is average rebate (so 30% of what average family pays in a year.

  12. #109
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    Ah ok I thought that may be the case thanks for clarifying

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  14. #110
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    But von zipper you wouldn't loose it entirely if thats your mls amount + you could downgrade to a budget, high excess cover for tax exemption only and it would be less than you mls.

    You could even get a product that only pays for services in a public hospy. You don't have to use phi even if you have it.

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