+ Reply to Thread
Page 2 of 5 FirstFirst 1234 ... LastLast
Results 11 to 20 of 44
  1. #11
    Join Date
    Jun 2010
    Posts
    615
    Thanks
    48
    Thanked
    116
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    Depends on what. I recently joined medibank, dental eg has 2 months, some have 6 months, some 12.

  2. #12
    Join Date
    May 2012
    Posts
    50
    Thanks
    0
    Thanked
    2
    Reviews
    0
    We are on top cover with NIB, really good rebates, only $500 excess for hospital in a calendar year... And AWESOME rebates for alternative medicine like acupuncture and chiro!

  3. #13
    Join Date
    Aug 2011
    Posts
    2,712
    Thanks
    118
    Thanked
    1,437
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    Pretty sure Latrobe is a 9 month waiting period, that's why I chose them

  4. #14
    Join Date
    Dec 2010
    Posts
    858
    Thanks
    2
    Thanked
    89
    Reviews
    2
    Achievements:Topaz Star - 500 posts
    Quote Originally Posted by LittleDove View Post
    Pretty sure Latrobe is a 9 month waiting period, that's why I chose them
    Yeah Latrobe is the only one with a 9 month waiting period. All the others are 12. Latrobe are more expensive for this reason though. But I chose them when I started ivf in case my first cycle worked and I wanted to make sure I was covered.

  5. #15
    Join Date
    Mar 2009
    Location
    Sydney, Australia
    Posts
    455
    Thanks
    123
    Thanked
    91
    Reviews
    0
    Was with nib but changed early last year when they changed the covers for ivf related. At that time medibank seemed to be the best but I haven't looked again since then.

  6. #16
    Join Date
    Dec 2010
    Posts
    858
    Thanks
    2
    Thanked
    89
    Reviews
    2
    Achievements:Topaz Star - 500 posts
    Quote Originally Posted by nat11 View Post
    Latrobe is 9 months for pregnancy but 12 months for IVF. I called them today to check on my own cover and asked about it.
    Oops sorry, I was talking about pregnancy too, not the ivf side of it. Sorry.

  7. #17
    Join Date
    Nov 2011
    Posts
    216
    Thanks
    51
    Thanked
    22
    Reviews
    0
    does anyone know if age is considered a pre-existing medical condition for IVF?!!

  8. #18
    Join Date
    Feb 2008
    Location
    Brisbane
    Posts
    12,292
    Thanks
    1,571
    Thanked
    1,225
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 postsAmethyst Star - 5,000 postsEmerald Star - 10,000 posts
    Awards:
    Past Moderator - Thank you
    Bubhub Blogger
    IVF is considered a 12month wait for all funds, regardless of the age of the person undergoing treatment or reason.

    Pregnancy is 12months with most funds but 9mths with latrobe.

    Non-preexisting and non pregnancy/IVF conditions in hosp are usually 2 months (might be where the confusion came in above).

  9. #19
    Join Date
    Feb 2008
    Location
    Brisbane
    Posts
    12,292
    Thanks
    1,571
    Thanked
    1,225
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 postsAmethyst Star - 5,000 postsEmerald Star - 10,000 posts
    Awards:
    Past Moderator - Thank you
    Bubhub Blogger
    As for what will actually be covered...

    well PHI only becomes involved in services that are performed in hospital. This is traditionally egg collection and insemination.

    All outpatient (Visits with the specialist, getting medication right, scans etc) are claimed through medicare ONLY.

    The exciting thing is that outpatient services come under the medicare safetynet, and if you're on the PPS you have a reduced threshold. This means that where you normally claim 85% of the schedule fee for outpatient services, you get to also claim an aditional 80% of the out of pocket (what is charged above the schedule) once you reach the threshold.

    To be honest, if you are ONLY wanting the insurance for IVF, you're not worried about PHI for the birth, or for age loading reasons, than I'd get hospital quotes from your clinic and compare the cost of self funded vs PHI.

    If you're aproaching 31 or over 31 and might like PHI later on, you may as well do it now, that way you can lock in your loading or avoid it with your PHI.
    Alternatively if you're a high income earner it'll give you the added benefit of exemption of the medicare levy surcharge.

  10. #20
    Join Date
    Nov 2011
    Posts
    216
    Thanks
    51
    Thanked
    22
    Reviews
    0
    I am 39, single mum on limited income. But medibank told me that as long as I have no pre-exisiting medical conditions then I would only have to wait 2 months to benefit from PHI (thorugh them) if I went down the IVF path. They also said to check that age was not considered a pre-existing medical condition. My fertility specialist yesterday said that he doesn't decide that, PHI would have to, so now I confused! Each told me to check with the other!
    From what I have been told when having IVF the bed in hospital, anaesthetist etc is costly so would need PHI.
    My specialist is hopeful for IUI but I want to consider everything in case that doesn't work. I haven't heard many successful stories with IUI. I will be going for that AMH blood test very soon so if the result is bad then I will have to wait 12 months on medibank for I am guessing that will be a pre-exisiting medical condition then. HOWEVER, if I join up now why I don't have any pre-exisiting condition (known ones) then I would only have to wait 2 months, and if a medical condition presents itself after I have joined then apparently I am still covered. Does this make sense??
    But my problem is, the $55 a fortnight I would be paying for PHI could be going towards IUI so I am unsure what is the best avenue to take for I have very limited savings.
    Sorry if I have confused anyone!!!


 

Similar Threads

  1. Replies: 10
    Last Post: 11-05-2015, 00:34
  2. Private Health Insurance
    By Nellie01 in forum Pregnancy & Birth General Chat
    Replies: 4
    Last Post: 04-02-2012, 11:06
  3. Private Health Insurance -Tips or Recommendations?
    By RobinSparkles in forum General Chat
    Replies: 3
    Last Post: 18-01-2012, 07:27

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
free weekly newsletters | sign up now!
who are these people who write great posts? meet our hubbub authors!
Learn how you can contribute to the hubbub!

reviews
learn how you can become a reviewer!

competitions

forum - chatting now
christmas gift guidesee all Red Stocking
Boody Organic Bamboo Baby Wear
Softer than your bub's bum Boody Organic Bamboo Baby Wear
Australia's favourite eco brand has delivered a gorgeous baby collection. Made from organic bamboo, Boody's extraordinarily soft and stretchy, skin-friendly tops, bottoms, onesies, bibs and wraps don't 'cost the earth'. Get 20% OFF! Code BUBHUB16.
sales & new stuffsee all
Pea Pods
Buy 2 Award Winning Pea Pods Reusable One Size Nappies for only $38 (in your choice of colours) and receive a FREE roll of Bamboo Liners. Don't miss out, we don't usually have discounts on the nappies, so grab this special offer!
Special Offer! Save $12
featured supporter
Little Rugby NSW
Catch, weave, chase, run, but most of all have FUN! Little Rugby runs a NSW network of fun, safe and non-contact footy classes for BOYS and GIRLS aged 2yrs – 7th birthday.
gotcha
X

Pregnant for the first-time?

Not sure where to start? We can help!

Our Insider Programs for pregnancy first-timers will lead you step-by-step through the 14 Pregnancy Must Dos!