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  1. #11
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    Default Private health insurance... is it worth it? Who with?

    Mumsical I'm not sure where you are getting your figures from but I've had 3 private c-section births and all up for those 3 births it has cost me $1800 at the most. Yes I pay $300 a month for my policy but I think that has only been a small amount compared to what they have covered. 8 lots of surgeries, 3 births, $8000 insulin pump and a 2nd one in 2 weeks time. If we went public my children would probably still be on a wait list for the surgeries, DD1 wouldn't have an insulin pump as they won't give one until the child's been diagnosed 2 years in public..
    And you don't have to wait 12 months to fall pregnant just as long as you hold your policy for 12 months when you give birth.

    I understand that some people don't require PHI but a lot of people, like myself would give up my last bit of money to make sure my policy is paid up.

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  3. #12
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    Default Private health insurance... is it worth it? Who with?

    Oh and my $300 a month on PHI is for top hospital and top extras with no hospital excess!!

  4. #13
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    Default Private health insurance... is it worth it? Who with?

    Quote Originally Posted by BabyG4 View Post
    Oh and my $300 a month on PHI is for top hospital and top extras with no hospital excess!!
    And this would be family cover also wouldn't it? Not single, couple etc. so for that $300 your whole family is covered the same. Right?

  5. #14
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    Default Private health insurance... is it worth it? Who with?

    Quote Originally Posted by BabyG4 View Post
    Mumsical I'm not sure where you are getting your figures from but I've had 3 private c-section births and all up for those 3 births it has cost me $1800 at the most. Yes I pay $300 a month for my policy but I think that has only been a small amount compared to what they have covered. 8 lots of surgeries, 3 births, $8000 insulin pump and a 2nd one in 2 weeks time. If we went public my children would probably still be on a wait list for the surgeries, DD1 wouldn't have an insulin pump as they won't give one until the child's been diagnosed 2 years in public..
    And you don't have to wait 12 months to fall pregnant just as long as you hold your policy for 12 months when you give birth.

    I understand that some people don't require PHI but a lot of people, like myself would give up my last bit of money to make sure my policy is paid up.
    Completely agree!! I pay $360 a month with HCF which covers myself, DH, DD and DS. There would be no way I would go without. This year alone I have needed an endoscopy, wisdom teeth removed, DS's surgery for a tooth that was haywire plus I am now pregnant so ob/gyn costs. I have no excess at all and have not paid a cent on anything except the ob/gyn appointments which really after the rebate only cost $40. DH needed root canal and they covered $1100 out of the $1300 it cost! Well worth it for our family because as PP said I like to choose my doctors and I wouldn't like sitting on waiting lists. Glasses are free for the three of us that need them and we get two pairs each a year.

    An estimated cost of my birth in a private hospital for feb 2013 will sit around the $1800 mark - majority of this being the ob's insurance.

    As mentioned the choice of having PHI is a personal choice but for us I couldn't live without it. I am a very organized person and if I feel like a situation is out of my control I will get stressed out. My PHI gives me peace of mind that I can afford to get my kids into specialists within short time frames if necessary.

    And you don't need to have PHI for a year before falling pregnant. As long as you have a doctors note to say your EDD is after the 12 month anniversary of your policy they will cover you (even if you deliver before).

    Good luck with your decision!!!

  6. #15
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    Default Private health insurance... is it worth it? Who with?

    I am going off multiple quotes done online for PHI for 2 people. I agree that PHI is good for dental, but you have to weigh up you premiums v how much things cost.

    We are in Qld. The figure i got was from a survey taken with my previous mothers group who at the time had about 80 members. Many obs charge for scans, booking fees and about $80-$100 per appt etc.

    Those who say its worth it because you had so many c-sections etc -you could have had the same publicly and often even by the same "private" ob.

    If you or your child needed surgery and were sick you would get the care you need. We do not live in America.

    We actually have PHI (husband doctor part time in RAAF part in hospital) so its included. But we still just go public as its free.

    If you are using lots of optional extras then there may come a time when your PHI is actually cost effective, but for the vast majority - you simply dont need it.

  7. #16
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    Default Private health insurance... is it worth it? Who with?

    Quote Originally Posted by Mumsical View Post

    If you or your child needed surgery and were sick you would get the care you need. We do not live in America.
    it.
    Tell that to the hundreds of people on public hospital wait lists in Qld. My friends daughter needed a tonsillectomy and was told the current public wait list was 1yr! Lucky they had insurance, it was done the following week.

  8. #17
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    Default Private health insurance... is it worth it? Who with?

    Quote Originally Posted by iamstarstuff View Post
    Hi guys,
    We are about to start trying to conceive (we are no longer not trying to anyway) and we currently don't have private health insurance. I'm a part time nurse and part time photographer (will likely only do photography after we start our family) and he is a full time teacher. Currently cumulatively we make ~ 110,000 per annum and this will drop to maybe 70k for the first year or 3 after having a baby. I'm just wondering whether it is worth us getting private health insurance and if so why and who the best providers are from personal experience? Also, if we fall pregnant straight away would any of the providers cover the pregnancy/child... granted where I want to have a baby is a public hospital as they are a better facility than the private ones I've just heard often they won't cover a lot of things if you've been with them for under a year!
    Edit: Should also mention that we are paying off a mortgage and a personal loan which eats about half of our wages along with the bills
    Cheers
    Samantha
    If your husband is a teacher, you could get teachers' health. I'm in nsw and it costs me $100 a fortnight for a family of 4 for top cover, with extras, plus they only have 9 months waiting for obstetrics.
    Last edited by BigRedV; 27-11-2012 at 07:24.

  9. #18
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    Quote Originally Posted by Mumsical View Post
    I think that for most people - especially young people and families, PHI is a total waste of money. My husband is a Doctor - so we also know something about the system and the level of care provided by many hospitals.

    You will need to be a member of a health fund for 12 months prior to even falling pregnant. If having a private room, OB etc for your birth is vital for you, you will need a high level of cover with hospital cover. For a couple without kids, you can expect to pay at least $150 per fortnight. On average the total out of pocket expenses if you decide to go private ON TOP of your premium is about $5000.

    Most people by the time they give birth would have paid at least 2yrs worth of PHI premiums (about $14,000) add this to your $5000 out of pocket expense and it will cost you almost $20,000 to have your baby. I am unable to fathom why so many families who struggle financially still feel that it is necessary to have PHI and fork out huge premiums when they absolutely do not need it. The bottom line is - health care in Australia is free, if you need the care - you will receive it.

    Private doctors are no different to public doctors - they haven't had any extra training or earned some special badge. Its completely their decision and they do it for the money.

    If you go public you will only see an OB for 1 appointment at about 16 weeks. If you are considered "low risk" you will have the choice to see your regular GP for your appointments or see a regular midwife.

    I chose a midwife and she was absolutely wonderful. I had my baby in the public hospital where my husband works and the care was great. I did share a room with 2 other mums, but I still had plenty of privacy and frankly I was so wrapped up in my own baby I barely noticed them most of the time. They were lovely too and I had someone to talk to if I wished.

    If you don't have PHI and its important to you to have a private room and the better meals that a private hospital offer - you can actually just pay to have your baby there. Most cost about $4000 - $5000 if you having a vaginal birth. I can think of better things to spend the money on over 2-3 nights in hospital though lol
    Like another poster said, everyone is entitled to their opinion, but I do think that some of your information is incorrect.

    I'm not sure where you're getting your $ figures for the cost of PHI from. I've just done a quick calculation and two years worth of premiums for my family come to $7,000. $135 a fortnight. We have hospital and top extras, and yes, we get the full 30% rebate from the Government.

    In many cases, public and private doctors do differ. If you go private, you will have a specialist who has completed their training and has more experience. If you go public, you might get a specialist, but you are more likely to be treated by the registrar, who is still training for their specialty.

    Also, you won't need to go on a long waiting list for surgery. I needed to have surgery for endometriosis - I saw the Gynaecologist for the first time and he was able to fit me in the next day for surgery.

    My health fund paid out $10,000 for the five nights I was in hospital for the birth of my son.

    OP, if you're planning on going public for the birth, then don't stress about getting PHI for the birth, there's no need. I've had PHI my whole life, I wouldn't be without it. DH and I wear glasses, we visit the dentist annually, I've had braces, we've both had surgery a number of times. For us, it is well worth it. There are lots of different levels of PHI, think about what you would use and go with that.
    Last edited by Hamilicious; 27-11-2012 at 07:17.

  10. #19
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    Online quote with BUPA (who many people here use) for just myself and husband "planning a family" is medium cover $345 per month or top cover $389 per month. Seems my figures are not off at all.

    I phoned Selangor (top private birth centre here in QLD) and if I wanted to have my baby there and see one of their obs privately they estimate total cost of $5000.

    In regard to the comment about if you go public not getting to see the consultants and being treated by the registrar's or residents. This is partially true, however as soon as those doctors leave the room which you have seen them they present your case and history to the specialist consultant and go over your care plan together. If you are sick enough - the consultant will see you, otherwise you will be treated by the Reg or Resident. You should be counting yourself lucky that you are not actually that sick, rather than feeling dissapointed or that your are not important enough to be seen by the senior consultant.

  11. #20
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    Default Private health insurance... is it worth it? Who with?

    My PHI costs about $4000 per year for me, DH and DD. That's before the rebate and is for top hospital and top extras with Defence Health. After the 30% rebate it costs $2800 per year (but we'll only be eligible for 20% rebate this financial year).

    My OB cost $2000 for the management fee which covered all appointments except the first one and his attendance at the birth (he also came to the hospital twice when I went in during the pregnancy for some issues). I got $480 of that back from Medicare. I paid a $500 excess for the hospital and about $2-300 out of pocket for the anesthetist who did my epidural at 3am. I can't remember how much my scans were but I only had 2 - the NT scan at 12wks and the morphology one at 19wks.

    So my costs were nowhere near what a previous poster listed. Like anything, it pays to shop around. Some health funds are super expensive but people just put up with it because they couldn't be bothered/are worried about changing. Also, OBs vary greatly in price. There are some in my area charging $6k management fees plus appointments! My OB has a fantastic reputation and 30yrs experience but strongly believes quality obstetric care should be affordable for everyone (when you sign up with him there's a letter in the welcome pack about lobbying government for higher rebates on Medicare).

    OP - it sounds like you have a great public hospital near you and if you're comfortable with public care, I wouldn't worry too much about PHI for the birth. As PPs have said, think about other things like dental, optical, physio, Chiro, alternative therapies (I used acupuncture and got a rebate from PHI), massage (bliss in pregnancy) and medication costs. I definitely get value from my PHI and we're a healthy young family.
    Last edited by Cue; 27-11-2012 at 07:48.


 

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