+ Reply to Thread
Results 1 to 8 of 8
  1. #1
    Join Date
    Aug 2009
    Posts
    3,517
    Thanks
    432
    Thanked
    3,246
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts

    Default Private health. Help!

    Okay, so DF and I are looking into private health. Obviously we won't be covered for obstetrics, and we won't be having subsequent children.

    But.. The stupid thing is so confusing! So, help mee, please?

  2. #2
    Join Date
    Sep 2009
    Posts
    3,487
    Thanks
    449
    Thanked
    1,571
    Reviews
    12
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    What do you want to know?
    List what you would use it for. Do you need general dental or are your teeth more work than that? Do you wear glasses or is Medicare optometry checks enough? Will you need a hip replacement anytime soon? Do you have kids?
    Once you work out what you want from a health fund, then research a few with good reputations, to get a package to suit you.
    We are with Medibank Private, top family hospitals and extras and has been worth every cent for our family.

  3. #3
    Join Date
    Oct 2009
    Posts
    158
    Thanks
    1
    Thanked
    46
    Reviews
    0
    privatehealth.gov.au is a good place to start. Information without the sales / commission pressure from other so-called "comparison" services.

  4. #4
    Join Date
    Aug 2009
    Posts
    3,517
    Thanks
    432
    Thanked
    3,246
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    We'll have a baby in December, and it falls outside the 12 month waiting period. I need glasses and DF and I should probably go to the dentist at some point but our teeth are pretty healthy. We've decided on Medibank private, I'm just confused as to what I'm looking at. I.E. Excess(wtf is that? How is it paid? Why is it 250 and 500?) and what we pay, what they pay and what medicare pays(if anything). DF also needs glasses, so is it 200 pp annually or 200 between us annually? Does it also cover our optometrist appt and glasses or one or the other?

    How does it work for drs? I'm very confused by it all. Am I still covered by medicare for things I'm not covered by PHI for?

  5. #5
    Join Date
    Aug 2010
    Posts
    2,612
    Thanks
    2,724
    Thanked
    864
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    We are with Medibank.

    Depending on the excess you choose eg $250 or $500 it will affect the amount you pay monthly/yearly. This is for hospital admissions not things covered by the extras part of the policy. There is no excess payable for children on the policy.

    With the optometrist it is that amount per person per calender year. The visit to the optometrist itself is not covered by Medibank but by Medicare. The glasses themselves are covered by private health cover.

    Private health cover comes in when you are admitted to hospital and not for outpatient services eg specialist appointments.

  6. #6
    Join Date
    Nov 2011
    Posts
    3,757
    Thanks
    1,205
    Thanked
    2,112
    Reviews
    15
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    You can choose your excess, if it's $500 it means your monthly premium is lower, but if you go to hospital you have to pay $500. Where as $250 you'd pay more per month but only $250 if you go into hospital. (You only pay the excess once per person per year).

    Any figure you get, like $200 annually for glasses, is per person. The appointment itself is covered by Medicare. If you go to a medibank preferred optometrist you can normally pick from frames that have no gap, so you won't end up paying much at all

  7. #7
    Join Date
    Sep 2009
    Posts
    3,487
    Thanks
    449
    Thanked
    1,571
    Reviews
    12
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    Medicare is public, so available to anyone regardless of PHI status.
    Optometrists - Medicare pays for a check up every 2 years. I can get new glasses with no out of pocket on MBP every year (incl prescription sunglasses). This is with using my package bonus + optometry cover.
    Dental - MBP pays for a check up and clean for each member every 6 months. I have also had fillings with no out of pocket. Our last bill for 2adults 1 child check clean and two fillings was $2k - we paid $60 or something.
    Excess is what you pay for hospital stays (think of it like home insurance, when you make a claim you pay an excess). In my case, I paid $500 last time I was in hospital, but had no other expenses. That hospital stay cost $10k but I only paid $500. If i were to be hospitalised again in that same 12m period i would not pay the excess again. You can opt for a smaller excess (say $200) but it will make your yearly premium more expensive.
    I would get the PDS and read it really well. I find the MBP consultants great to talk to on the phone too, they are all very helpful. hope that helps.

  8. #8
    Join Date
    Aug 2009
    Posts
    3,517
    Thanks
    432
    Thanked
    3,246
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    Thanks everyone. =D Not as confused now.

    I spoke to a MBP consultant once. Somehow the quote they gave us went up by $20 per week from the quote we got online, and they couldn't explain why. We went home and redid it and got the original quote, so we were mightilly confused. ><


 

Similar Threads

  1. Private Health and IVF
    By bedlover in forum IVF
    Replies: 8
    Last Post: 10-05-2013, 16:19
  2. Choosing private or public hospital if having private health care?
    By purnima81 in forum Private Health Insurance Discussion
    Replies: 3
    Last Post: 28-11-2012, 03:11
  3. Private health changing to family cover- la trobe health
    By mousky in forum Pregnancy & Birth General Chat
    Replies: 8
    Last Post: 18-10-2012, 16:29

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
free weekly newsletters | sign up now!
who are these people who write great posts? meet our hubbub authors!
Learn how you can contribute to the hubbub!

reviews
learn how you can become a reviewer!

competitions

forum - chatting now
christmas gift guidesee all Red Stocking
WaterWipes
Give your babies bottom a gift this Xmas! They are the only wipe made using just water and a drop of grapefruit seed extract and may help avoid nappy rash. Check out the great reviews on bubhub and see our website for more info and availability.
sales & new stuffsee all
True Fairies
True Fairies is the first interactive website where children can engage and speak with a real fairy through the unique webcam fairy portal. Each session is tailored to the child, and is filled with enchantment and magic.
Visit website to find out more!
featured supporter
Sarah Tooke Childbirth & Parenting Education
Providing private, personalised antenatal childbirth & parenting education to expectant parents in the comfort of their own home. Sessions are flexible, including everything that hospital based programs cover. Click to find out more!
gotcha
X

Pregnant for the first-time?

Not sure where to start? We can help!

Our Insider Programs for pregnancy first-timers will lead you step-by-step through the 14 Pregnancy Must Dos!