As far as I know it's about when you access the hospital and obstetric services in labour. If you haven't done the full 12 months wait they won't cover any of that. And you could arrive at hospital, have your baby and be lumped with a huge bill! We didn't want that ugly surprise. The EDD had no bearing on the waiting period. It has to do with when you actually go to hospital. But all funds are different.
My thoughts exactly! I went into Medibank today and asked the lady there (our 12 month waiting period is actually over on 19 April 2013 and our due date is 21 April 2013). And I asked her what would happen if the baby came on 16th, 17th or 18th April 2013 and she said as long as your doctor can provide a letter stating what you due date was then we will be covered. I also sent Medibank an email asking this and they replied with the following .... it may be useful for others in the same situation?
"Thank you for contacting Medibank Private.
A 12 month waiting period applies to obstetric services before benefits are payable. Your waiting period will be served as of 19/04/2013.
However, benefits are payable during this waiting period for premature births and complications arising from the pregnancy where a medical practitioner confirms that the baby was not expected to be born until after the waiting period.
If you require any further information relating to the obstetrics waiting period, please contact our Customer Care Line.
Thank you for your continuing membership with Medibank."
Me (27) and DH (31)
Expecting our first baby 15 April 2013, so excited!!
Does anyone know if BUPA will let you use your pregnancy cover based on the baby's expected due date rather than the actual birth date?
I am also in a predicament as my waiting period expires only one week before the baby's expected due date. I would like to go private but am so worried the bub will arrive early and I will have to fork out private hospital fees!
Otherwise I'll probably try to get into RPA public hospital as it is the closest to where I live... But then what if the bub arrives on time/late and I don't get to use my private health cover that I've paid so dearly for?
Does anyone know how it works... can you book into private hospital and if the baby comes before waiting period expires, can you switch to public?
Any feedback is much appreciated! It's my first pregnancy and I am feeling so anxious!!
I'm with RT health and had to get a letter of proof from my ob as my baby came early. However I'd held top hospital and extras for years, they just like you to upgrade to family cover 8 weeks before EDD (which I had done.. Just) so not sure if that makes a difference. All was fine in the end which I was thankful for as on top of my week long stay my bub was in SCN so I can only imagine the kind of bill I would have copped!
Thank you, bubintummy. I will ring up BUPA and see if they are willing to honour my EDD instead of the actual birth date. Fingers crossed!!!
Millsmum, yes that sounds about right because you will still be admitted as a private patient in a public hospital. So you need to pay excess per your PHI policy.
Hi Melancholic, congrats on your pregnancy. Do you have a private OB? I am with Bupa. For my most recent bub (DD is now 3 months old), I had private health insurance, but not the obstetric extra (as I thought we had finished having babies and I let it lapse years ago). So, I had basic private hospital cover, but not obstetric cover. I rang Bupa and they said, no, I wouldn't be covered this time as bub would arrive before waiting period had expired. I had first 2 bubs at POWP, with a private OB, and full obstetric cover- I had to pay an excess, but that was it. This time around, I had the same private OB (who delivers also at RPA) and he suggested RPA for me this time. I only had to pay a small amount to have a private room- $200 per night from memory, and no excess- and I was a private patient- BUPA covered the rest. RPA was excellent, and I had my private OB as per usual, and I was treated as a full private patient. Ring Bupa right away and try and get a definite answer in writing, not just verbal. If they can't guarantee you will be covered, you may choose to go with RPA (which was excellent, in my experience). From the inquiries I made, there was no way I could have afforded to attend the private hospital without the full cover. It would have been $$$$$$. All the best
DS1, DS2 and DD
Hi littleriv, no I don't have private OB. My GP only confirmed the pregnancy yesterday and I am due for my first 7 week ultrasound in two weeks time, so I haven't organised anything yet. Plus I thought if Bupa doesn't cover me for this pregnancy I need to go public at RPA. My GP has said good things about RPA and he's also registered for shared care with them, so I am already starting to feel ok about it.
Sorry I am a little confused.. you said you did not have obstetric cover but went in as a private patient at RPA and BUPA covered everything but your room cost? Is obstetric cover separate from normal pregnancy related services?
If you don't mind could you PM me your OB's details?
Thanks a bundle for all your help!