We have top hospital, excluding what they call 'age related ailments', so no knee replacements due to degeneration etc, we will upgrade that later. Our extras is 85%, so we get 85% back of any extras claim we make.
My OB charged a $4,500 mgt fee (about $460 back from Medicare), but the his appointments were only $50, of which I got $43 back from Medicare. My scans were $230 and I got $85 back from Medicare. I don't have an excess so was fine there.
Oh also FYI - yes you can claim the Pead visit from Medicare too
Just adding in that I have PHI and my ob doesn't charge any management fee, everything at hospital is covered (all ob fees, anaesthetist etc) and the babies will be added immediately to our cover and be covered if they need any extra care. All I pay is gap on scans (what medicare doesn't cover) and $72 per visit to my ob.
Note: I live in a country area and there is only one ob in our district so perhaps that's why he doesn't bump up prices.
I have my insurance through la trobe health. It covers maternity and is relatively cheep (sorry I cant tell you exact).I only have hospital cover and find that that's good enough at the moment. My ob charged $3500 management fee ($400 ish back from Medicare) that also covers her consultation fees after 23 weeks. Hospital excess is $500, epidural can be anything from $500-$1200 (claimable through Phi and Medicare, but not much). Ive heard of c sections costing $5000 though (unvarified)!
Just make sure you have family cover or bubs wont be covered if s/he needs admitting.
Lastly, please do not rely on ambulance cover through your Phi. It is unbeleivably inadequate and oftern doesn't cover pre existing conditions and non emergency transport (which you will want if bubs needs transporting to a closer hospital after recovering from an emergency). Also be aware that there is a three month waiting period for these two things through ambulance Victoria, so get in early and make sure you add babies name to your policy withing 30 days of birth or s/he will have to sit the waiting period.
Last edited by mousky; 11-01-2013 at 10:43.
Yep our OB costs are significantly different to PPs as well.
Mngmt fee $1600 with $276 back from medicare
OB visit $95 with $43 back from medicare
Midwife visit $65 with $38 back from medicare
Scans - Dating $65, NT $195, Morph $250 (can't remember the rebates)
Sizing scan - no charge done in house at OB
We have a once per year excess of $500 for hospital and bub is on cover from moment of birth so anything in the hospital is covered.
ETA: of the 3 OBs we have that operate from the local private hospital, ours is the most expensive, but we live in NQ
Last edited by PR2bMum; 11-01-2013 at 10:52.
Thank you so much!
Well I am getting pretty set on MBP top hospital and I may add an extras cover (i didn't look into them to much).
I am going to select the one without excess. I think if I have the option to choose a good doctor in a hospital that only has single rooms I will. My fear of 'get it out get it out' has dissipated!
I understand having a baby costs money. I am just trying to limit how much it costs if something goes wrong! I also understand an expect there to be a gap between whats covered and what it actually costs and if thats like 5-10k so be it. I have wanted children my entire life and can not imagine money better spent.
I was told by a person on the phone at MBP that if I get pregnant before the 12months waiting period it would be considered a 'preexisting condition'. I might need to call again and really pressure them to tell me otherwise. If I can not worry about getting pregnant after my wedding (its not like a ttc straight away we are having a few months of newly wed fun before our honeymoon over Dec/Jan) and be covered then that would be a massive weight off my shoulders.
Whoever else reads, please keep posting and giving stories, I may miss something and I need all the advice I can get and share.
Last edited by sprinkelle; 11-01-2013 at 13:53.
Just wondering what sort of limitations etc. they place on you if it is a pre existing condition. I always just thought that you had to just wait the initial 12 months waiting period from start of policy. Is it different for obstetrics?
That's why I love QLD, you don't need ambulance cover in your pvt health, it's paid for in electricity bills and EVERYONE is AUTOMATICALLY covered.
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