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  1. #11
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    Default Re: Convince me I need private health cover

    Gynea is separate to pregnancy and birth. If youhave an insurance with min benefits/exclusions/inclusions/restricted benefits etc you can ask your specialist what item numbers they would anticipate if they had to do the surgery. Check with the fund using those item numbers, since it's the item numbers that triggers the category/level of cover.

    Sadly,.although extras is the one you'll see more consultant return from, you're going to need a hosp cover with $500 excess or less to get exemption.

    Remember that you can take a couples only cover for now (can be cheaper), but once baby is born they will also need to have their name on the policy or you'll loose your exemption. It might be worth the extra $10-$50 a month in the lead up to only have to notify of a name and date of birth rather than entire cover review again.

    The value of my phi is choice. Tbh i have no intention of going to a private hospital for an emergency. I would go to a public hospital and offer that the hospital can invoice my fund if all the Dr's are still willing to invoice the public schedule rate so i have no out of pocket.

    By doing this the hospital actually gets paid more than it would from medicare for the same treatment, so the extra funds go straight to the place of care with minimal administrative costs.

    The huge value comes in when something in your care isn't right. Maybe it's a Dr that you're not comfortable with (can anyone say Patel + Bundaberg), or you've been told you or the kids are fine when you just know there us something else going on.
    For me so far, it's been waiting periods 6 times over. Laparoscopy where they found tissue attached near my bowel (no wonder it blooming hurt) was a 12 month wait public as my only symptom was pain and only once a month. I got in within one month, twice.
    Tonsils, after a3 month wait to get into the specialist and a year and half of constant chronic tonsillitis, and week on week off of antibiotics i got in within two months of appointment.

    My sons grommets, tonsils and adenoids... Well lets just say his development was already bring significantly stunted before the oops. He had gone from 12 kilos to 8 in the month before the first OP. Waiting 6 months to a year in the public system could have been devastating.

    And now I'm hoping i don't have to use it again ever. I would much rather forking out money and not having to use it. A little like my car insurance. I wouldn't want to go write off my car every 5 to 10 years just to see some value...
    It's about peace of mine and being there just in case.

    Spent from my dome. Excuse autocorrect

  2. #12
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    Default Re: Convince me I need private health cover

    I'd love my own room too, but unfortunately here it's not an option.

    I think I almost want someone just to do it for me. I don't think I'm going to get anything I'm happy with. So I should just close my eyes and pick one!

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  3. #13
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    Default Re: Convince me I need private health cover

    Are you both under 30?

    And you'll want to select the income tier appropriate to your income for government rebate when quoting too

    Spent from my dome. Excuse autocorrect

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    Quote Originally Posted by Cheerilee View Post
    We got private health cover this year for the same reason. We got cover with medibank with mid level hospital and basic extras. I have just found out that my children can go to the dentist and there will be no gap whatsoever! I am happy with that.

    What is important to you? Or if it is just for tax purposes you can just get the basic hospital.
    Sorry I'm a bit confused about the "tax purposes". We pay $230 pm for couples cover, soon our baby will be on it. I was thinking about cancelling it. Sorry to crash the thread I am just interested to know what you get back?

  5. #15
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    bambino is offline Autistic Today, My Genius Tomorrow
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    We were with HCF for the last 10 years, and have just cancelled it as per our accountants advice.

    In that 10 years, we used it only half a dozen times for dental, and DS was born in a public hospital, so he cost us nothing!

    Our accountant basically said that you either fork out $2000 per year for nothing to a health fund, or $500 per year for the tax levy thing at tax time.
    We opted for the $500 instead!

    Personally, if you don't need it, don't get it. The public health system is just as good, and free!

  6. #16
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    Default Re: Convince me I need private health cover

    Tax used to be anyone over a certain threshold pays 1% medicare Levy surcharge in addition to the 1.5% medicare Levy.

    It's now tiered, as is the federal government rebate. Can't remember the brackets off the top of my head, and don't have net anywhere but my phone at the moment (storm fried the modem) but i did put a table in another thread in this section about 6 months ago. If anyone us on a computer and can find it, by all means bump the thread or copy and paste

    Spent from my dome. Excuse autocorrect
    Last edited by Izy; 20-11-2012 at 06:29.

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  8. #17
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    I just recently lost twin babies at 14 weeks. As it was early in my pregnancy and we are moving interstate in the next month I was just seeing my GP regularly and she had arranged my ultrsounds and tests for me. I have top PHI but didn't see the point in paying the consult fees for an OB until we move. When i started experiencing problems with my pregnancy I was referred to the Early Pregnancy Assessment Unit at the local public hospital which has a very good reputation. Although the staff were good, I found the public system to be very impersonal and I kept having to repeat my story to every sonogrpher, midwife, doctor and consultant on staff. The staff were obviously overworked as well and as a result the service was very indifferent and when it became clear we had lost both babies I was informed with no level of compassion that 'the products of conception are no longer viable'. I had to have a d&c and found that experience traumatic enough without having to deal with a system that isn't designed to assist patients with their emotional needs at traumatic (although non life threatening) times. Having had this experience I would pay everything I had to go private with an OB who treats me as person in my next pregnancy. I know it feels like a rip off when PHI already costs a bomb but after this experience I think it is worth paying every penny to ensure I won't be treated as another number in the public system.

  9. #18
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    BH-KatiesMum is offline Community Manager
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    I am of the firm belief that if you can afford Private Health Insurance, you should have it. Even the most basic cover with a large-ish excess.

    Its not for the times when you need to go to emergency, but what if its not an emergency? What if you fall and dislocate your knee? or have a car accident and need plastic surgery or some kind of medical care that is not for a life threatening condition?

    People wait for knee reconstructions for in excess of 2 years at times. Living in pain, not being able to do anything much.

    If you have a life threatening condition, or go to emergency for immediate assistance, you will be attended to. But if you have any kind of chronic condition, or require something done but its not an emergency ... then you have to wait. Often for a long time.

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  11. #19
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    Quote Originally Posted by KatiesMum View Post
    I am of the firm belief that if you can afford Private Health Insurance, you should have it. Even the most basic cover with a large-ish excess.

    Its not for the times when you need to go to emergency, but what if its not an emergency? What if you fall and dislocate your knee? or have a car accident and need plastic surgery or some kind of medical care that is not for a life threatening condition?

    People wait for knee reconstructions for in excess of 2 years at times. Living in pain, not being able to do anything much.

    If you have a life threatening condition, or go to emergency for immediate assistance, you will be attended to. But if you have any kind of chronic condition, or require something done but its not an emergency ... then you have to wait. Often for a long time.
    ^^ I have it for exactly all of these reasons. But also things that you might think would be treated asap in public but can have waiting times. Like cancer. Yes, some times you need to wait months to start chemo in the public system or to see a specialist to even be diagnosed with cancer after an abnormal scan. What is deemed a medical emergency isn't always what you would hope. If I got cancer I would consider it an emergency to get treated. Hospitals can wait around a bit and consider it a non-emergency in adults unless it is a rare aggressive one.

  12. #20
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    I don't know how many times I've repeating this story but I still remember a family coming in to buy insurance. His father had recently passed away because his 'non-agressive' cancer was considered non-lifethreatening, so he wasn't a priority for treatment.

    By the time he got his treatment it had grown to become terminal. Apparently they didn't expect the way in which it spread more than the speed, and so when his time came for treatment there was nothing that could be done.

    Catching things early means nothing if you can't do anything with the knowledge.


 

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