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  1. #21
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    Default PHI confusion!?

    Quote Originally Posted by PR2bMum View Post
    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.
    Same, it's fantastic! If you're needing to be rushed to hospital, the last thing you want to think about is paying for the ambulance ride! It works out to be less than $100 per year in levy fees, which is at least 3/4 of the price the other states charge!
    Last edited by callmedragon22; 11-01-2013 at 11:32.

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    PR2bMum  (11-01-2013),sprinkelle  (11-01-2013)

  3. #22
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    Default PHI confusion!?

    Quote Originally Posted by callmedragon22 View Post
    Same, it's fantastic! If you're needing to be rushed to hospital, the last thing you want to think about is paying for the ambulance ride! It works out to be less than $100 per year in levy fees, which is at least 3/4 of the price the other states charge!
    In Victoria, we pay $145 per year for a family ambulance membership which includes everything.

    It is great that QLD has you automatically covered though, as many people don't have it here, even though it isn't expensive.

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    sprinkelle  (11-01-2013)

  5. #23
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    Default PHI confusion!?

    Quote Originally Posted by sprinkelle View Post
    Thank you so much!

    I was told by a person on the phone at MDP 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.
    .
    OP, I work in the industry and can assure you that as long as you are covered for 12mths before bub is born - which means having cover at least 3mths before falling pregnant - then you are fine.

    If MBP are saying you must have cover for a full 12mths before even falling pregnant, then don't sign up with them. Research your possibilities - Bupa (previously MBF) are popular in NSW where you are.

    Also again everyone experiences something different, because I wasn't out of pocket for my epidural at all. It was completely covered by PHI.

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    sprinkelle  (11-01-2013)

  7. #24
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    Default Re: PHI confusion!?

    Quote Originally Posted by Pesca77 View Post
    Actually mine does guarantee a private room, so all policies are different. If they can't physically provide a private room, I get cash back.
    I have top cover with bupa and mine says nothing about that. Weird.

    Sent from my GT-I9100 using BubHub

  8. #25
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    Default Re: PHI confusion!?

    Sprinkle, even if they did clad it a our existing ailment the 12 months wait is from date of join, not date of condition etc. so you're still fine top fall pregnant after 6 months of cover (technically three but only if bubs comes on time)

    Spent from my dome. Excuse autocorrect

  9. #26
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    Default Re: PHI confusion!?

    Grebbeci check the information about "members first day surgery". That's the closest you'll get with bupa. ;p

    Of and the ambulance thing depends on the policy

    Spent from my dome. Excuse autocorrect

  10. #27
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    Default PHI confusion!?

    Quote Originally Posted by Grebbeci View Post
    I have top cover with bupa and mine says nothing about that. Weird.

    Sent from my GT-I9100 using BubHub
    Yep mine is in the membership guide - I'll dig it out and then send you the specific page details if you like.

    If you have top cover with Bupa and are going to a registered hospital with them, I'm sure it will apply for you too.

  11. #28
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    Default PHI confusion!?

    We are with Bupa on corporate DH and i are actually on separate cover ( his hospital isn't as high) we will change my package to family closer.
    We took it out 4 months prior to our 12 months ( so would be covered 16 months by time bub is born) this is just incase bub is early.
    Costs are cheap for us
    OB bulk bills
    Management fee is $1500 with some back from Medicare ( he also said something about tax back)
    Still paying for two big scans ( but that's same even in public)
    Ped apparently will be $200 out of pocket at most
    Anesthetist will be no more than $400 out of pocket.
    With my bupa cover we get 1 free hospital stay per year so hospital is free.

  12. #29
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    Default Re: PHI confusion!?

    All the info I have just says single room where available. Won't be back in hospital for a while anyway and tbh didn't mind sharing a room for the 2 weeks I was in as an ante natal patient, I would have gone mad without the company and I was moved into a private room the day before my c-section.

    Sent from my GT-I9100 using BubHub

  13. #30
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    Default PHI confusion!?

    Oh my hospital ONLY has private rooms too so 100% guaranteed


 

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