I wouldn't be without it! I'd still be on the 6-12 month waiting list for a laparoscopy which would have been done by whoever was on at the time.
Instead I waited 2 weeks and had one of the best laparoscopic surgeons for endo in sydney, who I got to choose myself.
Now having my first child I am seeing an obstetrician that I got to choose and ill be out if pocket $3000.
People insure everything else in their lives but when it comes to their health they don't see it as a necessity.
It's for non-life threatening issues that the public system starts failing. Wait lists are beyond ridiculous for some things. While something might not kill someone, it might make life incredibly miserable. Having PHI means you can get these issues sorted quickly by quality specialists - most private specialists build a business on reputation so I tend to think that counts for something. And if you don't like them, you can change doctors - something that's unlikely to be an option in public.
As PP have said, it's about priorities. I would always maintain PHI and budget for it. I want to have options and choices in my medical care as well as cover for the things that help me stay healthy and manage smaller issues (chiro, physio, remedial massage, optical, dental). If there's one thing I work for its to have a healthy life for me and my family!
If I hadn't of taken him to the mater private after his third seizure in a week and no answer at a major public hospital in brisbane than who knows what could of happened. two hours after arriving at the private hospital for scans there was a neuro-surgeon cutting him open and my PHI covered 80k of costs to remove the tumor and his stay in the ICU plus rehab. We paid for medication when we left the hospital and nothing else - not even follow up appointments?
You are right it is a personal choice so not really up to you to tell people it's not needed. I guess it depends on your area as well as to which public hospitals you have around and whether you are ranked high enough on their priorities list to get a good doctor.
To the original poster my advice would be -look into what medical costs you foresee as coming up in the future ie pregnancy, if you have gym memberships factor in the cost of this (my health fund completely covers it), any ancillary costs you may incur and weigh it up against the cost that you would pay outright. Also the fact that over 30's without cover get slugged with another 1.5% on top of the Medicare levy and thats costly!! I know you can't predict the future so it can sometimes seem like a lot of money but I'm so thankful I had it.
Mumsical I think it is a very different situation when your husband is a doctor. In many situations in life it is who you know not what you know.
I wouldn't be without PHI. I had 3 c-sections, with complications. I felt more comfortable with a doctor I chose who knows my history. With my first I spent 17 days in a private hospital. The bill came to about $16k.
My daughter had her tonsils and adenoids removed very quickly by one of the best doctors earlier this year. My out of pocket was only $400. I would hate my children to be in pain when I could be in the position to do something about it. Not a risk I am willing to take.
I'm going private this time round, after being public for my first two ( my first wasnt to bad aside from the nurse grabbing my boobs an jiggling ben saying how much of a good 'cow' i was) and my second, hemorrhaging after my second birth and having the so called gyno/doctor stuff up my stitches 3 times forcing my drug free birth into being separated from my baby only after i forced the midwife to get a doctor i was rushed and wheeled into the c section room and given a epidural/spinal block THREE times over 2 or 3 days ( because they stuffed up the proceedure 3 times) then being told I was bed ridden and not allowed to move with a catheter in me,
and it taking 15 minutes for a nurse to bring me my daughter when she was crying from right beside my bed because I couldn't move to get her myself.. To being given a iron transfusion from my blood loss and having the nurse disappear after saying she wasn't supposed too leave me, Incase I went into anaphalctic shock and then it taking her 20 minutes to come back when I called her...
To being stuffed in a room with some woman who's baby was in ICU who got the bigger half of the room and I was crammed in the corner with my baby and had this woman up all night eating chips and crinkling packets and watching TV... There is absolutely no way I'd go public EVER again.
And that's just a small part of the story........
1, the one for over 30's. If you join phi for the first time when you're over 31 (lhc standard birthday means you have until the end of June following your birthday before it applies) you will pay 2% loading on you're hospital premiums per delayed year. This is payable for 10 consecutive years. It can be as high as 65% (or was it 70? Can't remember). It's to encourage people to get tourer phi before it's 'needed' to help protect the industry from an adding population that traditionally have been very reactive rather than proactive with their health. If only high claimers purchase insurance the premiums would go up and affordability would be out the window putting even higher pressure on the already overworked public system
2- medicare Levy surcharge. This used to be an additional 1% over and above the standard 1.5% medicare Levy. This is now graded by income tier. The higher your income the higher the medicare Levy surcharge (mls) %. there are only 4 tiers. This increase in mls in tiers also reflects a decrease in federal government rebate (most young people call out the 30% government rebate)
This is all from memory only so please crops reference the phi website, your tax agent,.and/or your fund
Tier 0 (base) - mls 0% - rebate 30 (eldest on policy is under 65), 35 (eldest on policy is 65-69yr old) and 40 (eldest on policy is 70 or older)
Tier 1 - mls 1% - rebate 20, 25, 30
Tier 2 - mls 1.25% -.rebate 10, 15, 20
Tier 3 - mls 1.5% - rebate 0 regardless of age entitler
To know what tier your income puts you in, speak with your tax agent. It doesn't use your standard taxable income, but rather your adjusted taxable income, so if you've got perks and sacrifices here and there it may push you up a tier.
Spent from my dome. Excuse autocorrect
Last edited by Izy; 30-12-2012 at 02:59.
I had an awful public system birth. My weight meant I was too heavy for the birth centre in wa (have to be < 100kg @ the birth) so we went private with dd (my second)
Our phi is 175/month. Only the birth is covered. The wait is 12 months. They explained my edd had to be after the 12 months to be covered, so I would have been covered had she been early provided she was due outside that time.
I paid approx 2.5k for my ob care scans etc. 100 gap for the birth but everything else was covered aside from the paed visit. (your baby isnt admitted if they are healthy, so paed visits are only covered by medicare)
The experience was fantastic, I was cared for by people who love what they do, I never felt anyone was just doing their job. The paed picked up dd's tongue tie (which was actually a non issue) had so much support for bf, amazing gluten free meals, private room for 5 days. None of the staff ever made me feel like I was bothering them.
Everyone was supportive of my birth choices.
And I will never be without private health after my mothers cancer journey, so we will always have hospital cover anyway
**Mum, Dad, Big boy (Dec 08) and Baby girl (Feb 11)**
I'm going phi simply because im what some would consider a snob. After the birth of my child I want to feel special, with one on one bonding with bub. I don't want to be sharing a room ( or bathroom) with another new mum and baby, where your both just getting to sleep and the other bub wakes up or visitors come. I want DH to spend the night and I want all the luxuries associated with my private room.
Our cover has good % back on extras ( we will go to dentist, get massages etc anyway why not only pay 20% of cost). first hospital stay per year is free and if we had trouble conceiving it had ivf support.
My GP ( and shes impossible to see) doesn't bulk bill so I'm out of pocket anyway ( worked out based on the number of times you're meant to go for checkups that the out of pocket fees = the pregnancy management fee).
As for going to hospital for appointments , I work so I need some reliability. If I have an 8am appointment I need to get in at 8am not wait around another few hours. ( who knows how much this would cost in missed wages)
If you use your cover the way it was designed then it can be very good. If you don't then yes it can be a waste of $$$. My mil doesn't use hers the way it was designed and so they are just forking money in for nothing. Even when my 12yr old bil had to have surgery they went public instead ( because it didn't occur to her to go private) they also don't use extras very well ( ie forget to use phi when going to the dentist).
We are with Bupa and pay just under $200 a month ( to ensure we are fully covered for pregnancy) By the time bub is born we would well and truly "got back" more than we forked out.
Once we are done with kids we will drop cover as we don't need pregnancy anymore
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