I went public with both mine. Was the best choice. I got treated perfect by almost all the midwives and docs and everyone else (1 middy was rude) sure there was a bit of a wait for the appts. But I still rotated between prob 3 dif people both pregnancies. And it didn't cost a arm and a leg.
My fee schedule had the initial consult fee, the 12 week appt fee, the 20 week morph scan fee, then it said management fee due after 20 weeks. Then the only other fee it mentions is the $1050 gap for delivery. Bugger. They better not make me pay more haha. Hubby will not be impressed cause thats what I told him
Yeah private health insurance doesn't cover specialists. Only on hospital care! My visits to ob are between 60-180 depending on ultrasounds etc! Then at 20 weeks 2600. Didn't have to pay anything for labour and 4 nights in hospital last time. Medibank private covered all of it! Medicare give back small amounts. I think I will get $270 back from the $2600 payment. Woopie doo!
yep, rebates go on the date they are charged, not when u pay or submit then. ours was charged mid december, i waited to pay 1st jan in the hope that we would get the threshold for the whole next year.....no such luck, we gt it for the last 12 days of the last year :-(
My ob in bris is 150 initial visit, 80 ever visit after with management fee of 2000.
I got back 120 from medicare for the first visit, 71 for each visit after and 460 of management fee.
My ultrasounds and bloods were free (dating and morph) cos I work for a path lab.
if you are low risk you can ask for fewer visits in the first few months. but after 30 wks you are required to be seen fortnightly till 36wks I think then weekly.
I dont pay a delivery fee.
the paed for DD charged 550 for the four visits he did in hospy (we paid for 3 and he threw in the 4th for free) and we got back a heap from medicare and presented the rest of the bill to our health fund. We got back a bit from them so ended up only costing us about 80 from memory.
The anaest. charged 150 for the epidural and we got back most of it from health insurance cos it was in hospy.
DD's tongue tie surgery was covered by PHI. My physio and LC appts during my stay were covered by PHI.
we pay 550/quarter in health insurance for top cover.
some of the OBs mentioned charge an absolute fortune!!
Just regarding the medicare rebate, at the end of the financial year, call medicare and get them to mail you a statement, you can claim some of your OOP's through your tax return
wow, i went private with both my kids, two different ob's /hospy's and i remember the private health only covered 50% of the anethetists bill... i got landed with the rest... which was about $700... NOT IMPRESSED. as for the peadeatrician.... don't get me started. he was about the same.
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