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  1. #1
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    Default Cost in private hospital

    Hi

    Could someone tell me the exact whole costs of having baby in private hospital?

    I am in Gold Coast, have medibank 2nd top cover for years.
    I was thinking to have my baby in private hospital (John Flynn or Pindara), but my friend told me that PHI will cover only for the hospitalisation. i need to pay other fees ...like to see Ob each time, blood test, ultra sound...so it will cost a lot in private hospital!!!

    Could you please tell me your experience?
    Thank you.
    Last edited by KKei; 14-05-2012 at 20:55.

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    Hi, I had top hospital/extras through police health - doesn't cover obst management fees (cost approx $1200) and got about $400 back from Medicare (I think this may have changed now though and they don't give as much back), then about $80 each visit and got 30-60 back (once you go over the $1500 Medicare threshold you get more back), hospital cost nothing as we have no excess and anesthetist (i had c-section) cost nothing as he only charged scheduled fee and billed direct to health fund (the anesthetist and obst work together at the hospital so have a deal where they don't charge so there is no gap) your health fund should be able to tell you which providers do the no-gap for your health fund. For scans etc - just go to ones that bulk bill - you don't have to go to the one on the referral - most places accept any referral. I only paid for the nucal translucency scan as they don't bulk bill it (cost about $100), other than that, paed at the hospital was about $150.
    I think that was it. So I guess about $2000-$3000 all up maybe not even that. Good luck!

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    I think I have top hospital cover. It cost me the $500 excess, $485 for the 3 pediatrician visits for DD (one was during the c-section) and $250 (Medicare and medibank rebate already deducted) for the anesthetist. That was the hospital component. I got some money back from medicare out of that $485 to.

    My OB was $1600 and I'd have to check what Medicare gave back, can't remember. The scans cost money and each OB visit. I think that was everything

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    We aren't pregnant yet but from my research for the actual hospital it's just my excess. ( I've been told if I put bub under family plan the ped costs are covered via reimbursed later).
    The oby costs aren't covered however the guy we want is only $1200 and bulk bills for visits. We also get some of this back from Medicare. So all up about 2k for us.
    From what I can gather the main cost is the oby- and their costs vary. I believe that as they are a Medicare costs, phi won't cover.

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    Quote Originally Posted by Plan2bamummy View Post
    We aren't pregnant yet but from my research for the actual hospital it's just my excess. ( I've been told if I put bub under family plan the ped costs are covered via reimbursed later).
    On my medibank cover DD was only covered if she was admitted. As she's not as such, she wasn't. Just a catch to keep in mind I added her straight away to.

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    Thank you so much everyone!

    All information are very helpful to me.

    I have been healthy, so I am not used to the system of medicare, insurance, hospital...
    I was thinking that I have been paying extra money for PHI so I did not need to worry about money, I could go to private hospital without any out of pocket...now I realized that life is not so easy!!!

    I will continue to do research and learn....
    Last edited by KKei; 14-05-2012 at 20:36.

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    I paid nothing for the hospital as I had no excess, my OB's management fee was just under $2k got $800 back from Medicare, I have 3-4 ultrasounds (not at his clinic) that were around $160 but got around $100 back from Medicare, I also had fetal monitoring due to some suspected complications with my gestational diabetes, I received a bill for around $500 but Medicare paid everything bar around $20 of that bill. My OB also bulk bills for every visit.
    DS required a pediatrician, I think his bill was around $200 but between Medicare and private health i wasn't out of pocket much. So all together I think we were out of pocket around $2k, this also includes my dietician to take care of the diabetes stuff. TBH I would have it any other way, in saying that I have the most fantastic OB, I was thinking before I had DS that we would go public for the second but the care my OB provided was second to none, he listen to everything I wanted and was very supportive every step of the way, I had a lot of anxiety during my pregnancy because I had mc the month prior to conceiving DS, my OB would let me come in for extra check ups whenever I needed one. I will be enlisting my OBs services again when we manage to conceive again

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    Ops also should have said I was induced but no epi so I didn't need an anesthesiologist otherwise that would have been further $$

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    That's the thing that sucks with private health. It only covers you for stuff while you are in hospital. It doesn't cover out patient services, which is what the obs services are. I have top cover, my ob management fee was 2150 bucks, nothing back from PHI, and only 460 back from Medicare. Then I have to pay a gap of $1000 for the delivery. And go figure, even after paying the management fee, i still have to pay for all my appointments. Sometimes it's not so bad, depending on what the obs charge, but some of them take advantage of the fact that they can charge whatever they like. We have a choice of 3 private obs in Darwin. Thu are all the same price. Grrr. It's frustrating. But sometimes it's worth it. If I had a nice public hospital here I would use it but unfortunately we don't. It's so horrible.

    Goodluck chick. Hope you can find a reasonably priced obstetrician.

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    Since the change in the rebates, I was going to be about $6k out of pocket if I went back and had this bub with the Ob who delivered my first two in a private hospital. I have had PHI for 9 years. Instead, I have gone public and will deliver in a week or two. I have had to pay for the 13 week blood test that you have when you have your NT scan and that is it for the whole pregnancy. Even with the rebates with the first two kids we ended up $2k approx out of pocket for uncomplicated v/b's that did not require anaesthetists or other specialist. Having experienced both models of care, I am satisfied with what I am getting this time, the only thing I will not have is an extended hospital stay and private room, but I hope to go home in the first 24hrs after birth.


 

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