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  1. #1
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    Default Private health cover + obstetrics

    Hi all,

    If you get private health insurance which covers obstetrics and it says there is a 12 month waiting period, does that mean you would need to wait for 12 months before TTC?

    Or is it just 12 months from your expected due date, and therefore you would be covered for any obstetrician appointments while you are pregnant? (e.g. you can start TTC 3 months after you have joined for your cover)

    Thanks for any advice

  2. #2
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    Mine was 12 months before due date.

  3. #3
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    It's the due date however private health doesn't actually cover your antenatal appointments. It only covers your costs while you are in hospital. Not out patient services. So all your appts with the ob, plus ultrasounds etc aren't covered. You will get a rebate from Medicare for those though.

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    Ok, that makes sense thank you What sort of out-of-pocket expense are ultra sounds and ob appointments? (a couple of hundred each time?)

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    Hi nat11, thanks for the info What does pregnancy management cover? $4700 seems expensive!

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    Every Ob is different. My out of pocket costs for both of my pregnancies have been:

    $200 - initial ob appointment ($75 back from Medicare)
    $2000 - Pregnancy management fee ($400-something back from Medicare). This fee covered the rest of my ob appointments before and after the birth

    Ultrasounds depend on the ultrasound clinic you go to. I went to a specialist one, so it cost more. I can't remember the exact cost, sorry.

    Hospital excess was $300, but that is my private health policy.

    Pediatrician for attendance at birth and in hospital after was around $980 out of pocket.

    Everything else was covered by PHI and/or Medicare.

  7. #7
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    Mine OB fee will only be $1500 before rebates, he also is no gap, bulk bills and has a scanner so it won't be too many out of pocket expenses for us.

    Just a tip with PHI I was advised to give a few extra months incase bub comes early. We took out PHI mid April and are planning on ttc for a July baby ( in saying that we will be not trying not to for a may/June bub) what I'm trying to say is do calculations for over 52 weeks as most babies don't arrive on time

  8. #8
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    Oh also gives to time to use extras before like dental


 

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