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  1. #21
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    Quote Originally Posted by Gemini85 View Post
    The reason private health doesnt cover these scans or management fee is because you arent an inpatient at the private hospital.
    This is true - visits to your OB or GP, scans and bloodwork are called outpatient procedures, so you get a benefit from Medicare which is disappointing until you hit the threshold, which if you are a couple and paying your appointments and scans - you hit it pretty quick.

    When you are admitted to hospital you are an 'inpatient' so everything directly relating to your stay and care is covered.

    Interesting point: Unless your baby is sick and needs to be admitted, it's treated almost like a visitor! Which is good news if you PHI has an excess on children!

    Because baby isn't admitted and paediatric appointments are charged as outpatient procedures as well (they can be hefty), so if your paediatrician is one that likes to come every day, (if bubs is doing well then what's the point?) youwill be charged everyday unless you discuss how many visits will be needed.

    Your epidural and anaesthetist fees should be covered if your anaesthetist is an 'no gap specialist' with your PHI ask your OB who that will be and check with your fund if that particular anaesthetist is not covered by your PHI ask if there is one!

  2. #22
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    I just wanted to points something out that my friend told me and I noticed someone else said. I"m not sure if it is new or not but:

    AFter I reached the Medicare safety net - medicare told me that even the obgyn appointments were capped (actually the lady told me that all pregnancy related items are now capped!!!) so instead of getting 80% back on even them i'm only get about 1/2 i think the cap is about $45 and I pay $80 so my out of pocket is about 35.. yeh it's not alot but we are really financially suffering and I probably shouldnt have gone private in the first place but was ill informed..also I had to do some extra things like amnio and some things for my heart because my ob figured out i had an irregular heart beat (which ended up being nothing) .. but yeh it seems that the medicare safety net is even more capped than just the pregnancy management fee..

  3. #23
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    Default Pregnancy management fees

    My OB cost 300 for first visit with half of that back on Medicare.

    I have one more 2600 fee left to pay at 24 weeks and that's it. I've seen her at 11 weeks, 12 weeks, 16 weeks, 20 weeks 24 weeks. I'll be seeing her fortnightly from October.

    As for scans, between 150-300 each with Medicare rebating a lot now as I reached the safety net. But my ultrasound place has an obstetric loyalty card so after 3 scans... All others are bulk billed. Nice.

    Private health care should cover all our hospital needs I hope...

    But OP it's a bit much to have to pay for each appointment on top of the management fee...

  4. #24
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    You are really putting me off going private, but everyone is so keen to push me this way. Argh....why is it not straight forward....

  5. #25
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    Default Pregnancy management fees

    Holy cr@p! I'm 38 weeks and just had to wait 30 mins past my appointment time at my public hospital. I was grumbling to DH that we should have gone private but after reading this thread the 30 min wait seems like nothing in comparison! Wow!

  6. The Following User Says Thank You to Atropos For This Useful Post:

    MINIRoo  (29-08-2012)

  7. #26
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    Default Pregnancy management fees

    With OBs u really need to do your homework before choosing one. With my first bub, I didn't know that. I paid an arm and a leg for that OB. This time round, my OB charged $120 per visit, with a $1000 management fee at 20weeks, but all the visits after that are covered by the management fee.

    I didn't find our pediatrician and anesthetist bills too bad coz we'd hit out safety net thanks to IVF, and got alot back

  8. #27
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    Quote Originally Posted by MINIRoo View Post
    You are really putting me off going private, but everyone is so keen to push me this way. Argh....why is it not straight forward....
    If I were you - don't listen to what people say - do you're own research.
    find out which public hospital you would be going to (because a lot have catchments) and then do your research on that hospital
    Also you hvae the option to do the whole thing public and then when you actually go to the hospital you can go as a private patient which means you might get your own room so you can look into that - there are no costs if you do that .
    Also check out this website it's really accurate as to what costs are involved
    http://www.nib.com.au/home/Pages/The...ng_a_baby.aspx
    And finally if you do decide to go private make sure you do your research on the obgyns! Call as many of them as you can and ask them for their fees - pregnancy mgmt fee, consult costs, and if they have a gap fee on the birth or 'labour fee' .. some do so be careful of that one.
    In the end you need to do what is right for you. people will always want to tell you what to do but you need to trust your own decisions. good luck!

    also its worth calling medicare and finding out what things have caps on them because most pregnancy things have caps on them .. so dont assume you will be getting 80% after the medicare safety net (because for most things you wont)

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

    MINIRoo  (30-08-2012)

  10. #28
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    Default Pregnancy management fees

    My OB charged $6000 as a lump sum due at 20weeks. Then I paid separately for scans at another location.

    I got part of the scans cost back from Medicare and only $450 out of the $6000.

    As my medical expenses were over $2000 for the financial year I was able to claim on my tax return....

    It is a lot but I will be going with the same OB next time. I felt the care I received both during pregnancy and after birth was worth it for me.

  11. #29
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    Default Pregnancy management fees

    I went private as well, it cost alot but I didn't regret it for one minute, especially as I ended up needing a non-elective c-section.
    The management fee covers your OB insurance and on-call fees.
    Mine was about $1500 and I got around $500 back. (sunshine coast)
    OB appointments were about $80 but after I reached the Medicare threshold they dropped back to about $35 from memory.
    I liked the fact I had one consistent dr, knew that everytime I went in I would get to see bub (had an ultrasound machine in dr room) and wouldn't have to share my hospital room with anyone! My husband got to sleep there with me and the food was amazing!
    No out of pocket for in hospital as I don't have an excess, no fee for the surgery at all as my OB and anesthetist had an arrangement. Had to pay a couple of heafty paed bills though (as they are classed as an outpatient) weird I know (pretty sure they were there for the surgery!)
    BUT it was worth it for me:
    I'll be going private again next time

  12. #30
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    Default Pregnancy management fees

    I think it really pays to do your research. I got a list from HBF's 'no gap doctors' did some research.

    I paid $120 for my first appointment with $72 back.
    All subsequent appointments are $90 with I think $48 rebate.
    I also paid $220 for my NT & anatomy scan.

    I'm about to pay my planning&management fee next week (20weeks) it's $2500.. A lot cheaper than most!

    I'm told by the receptionist because I'm over the safety net & my level of PHI i should only be out of pocket by 6-700$

    That should be the only thing I've got to pay apart any extra scans. We get 2 paed appoints included at my hospital. We will see

  13. The Following User Says Thank You to kface For This Useful Post:

    MINIRoo  (30-08-2012)


 

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