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  1. #1
    Join Date
    Nov 2012

    Default Affordable PHI suggestions just for pregnancy

    I am entertaining the idea of getting PHI just for pregnancy and delivery but would like to know which company would be the best option to go with and what exactly I should sign up for e.g. singles then swap over to family closer to the due date?
    I intend to cancel the policy sometime after bub would be born and I am not looking to cover the rest of my family as DH doesnt want it for himself or the children. I have had my other 3 in public and they were all c/sec so this time around i would like to go private if possible depending on how much i'd be paying each month plus all the extras with delivery.
    would really love to hear from others who have only taken out PHI for pregnancy

  2. #2
    Join Date
    Jun 2011
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    Depending on what cover you go for full hospital cover is usually around $40-$60 a fortnight I have found.

    With PHI though you'll still be out of pocket a few grand to go private. For eg my obs fees were $3400 out of pocket plus you'll have to pay the anethetist's gap fee and any hospital excess. Easily looking at 5k or more out of pocket (mine is more). Plus make sure you take out the policy ahead of time to make sure you are covered. It's usually 6-12 months.

  3. #3
    Join Date
    Oct 2011
    Gold Coast, QLD
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    Maybe start looking around at how much OBGYN's charge for management fees. If you chose one that charges say $2500 plus appointments & costs for spinal you are looking at over $3000 plus PHI would be over $3000 for a year. Perhaps look into having a private OB in a public hospital? You would save on the PHI and spinal fees but pay more to the OB for the c/s but I would think it would be cheaper.

    As for the management fees some OBGYN will charge well over $3000 and some charge a smaller amount. Mine was only $600 and I got $400 back from Medicare.

  4. #4
    Join Date
    Apr 2012
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    I'm only going to be about 2k out of pocket on medical ( therefore I'm at my Medicare family threshold and can claim through tax ) so for the rest of the calendar year we ( as a family) can claim more through Medicare ( might be worth considering benefits of that if you already have 3 kids and some medical costs)
    I'm not including my phi premiums as we would have it regardless so to me it's not a fair cost to include ( for the record the total premium costs would be about 1600 for the year but we made sure we claim stuff )
    We went on a single package each until bub is born ( cheaper that way).

    For us so far having that ob on call to help has been a godsend. To me going private is not just about having a nice room, good food etc at the end its also that one on one care with the same doctor who is specialised in babies

  5. #5
    Join Date
    Aug 2011
    Had my first bub through the public health system and obviously didn't pay a cent and had the best care until the delivery where I wasn't happy with the hospital. After an emergency c-section and rooming in with bub and three other ladies and their bubs for five nights I was exhausted. Looked at going private in a public health system to get a private room but this couldn't be guaranteed. I'm going private this time and am booked in for a c-section next week. My own room pretty much guaranteed as the hospital isn't that busy next week. I reckon I'm going to be out of pocket around $3,000 - $4,000. Medicare safety net has kicked in but still there is so much not covered including anaetheist which medicare covers around $300 (not including safety net) and the health fund a mere $140. I'll be out of pocket $1100 just for this. My husband and I are considering getting out of PHI as we aren't getting the value for the $250 we are paying each month. Better off just paying everything up front if you go private or just use the public health system (or go intermediate if you can). Of course insurance is for when and "if" something goes wrong and even then I've been finding that not a hell of a lot is covered anyway. If my bub has to go into the special care nursery I'm covered (this is $1200/day in my hospital) but if I went public.... well... it's free. We're definitely looking at getting out as we've forked out a considerable amount over the years and basically have only used it for the dentist.... Money well spent???? Just watch out for your waiting period too. I also think that the Obstetricians in the public section were just as good as my private obstetrician. You just don't get the same one all the time. Each to their own but besides having my own room (can't compare the birth experience yet) I thought the public system was pretty good.
    Last edited by Leeann; 25-04-2013 at 10:15. Reason: Adding text


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