+ Reply to Thread
Page 1 of 5 123 ... LastLast
Results 1 to 10 of 41
  1. #1
    Join Date
    May 2013
    Posts
    896
    Thanks
    45
    Thanked
    171
    Reviews
    0
    Achievements:Topaz Star - 500 posts

    Default Private health insurance is it worth it?

    So df and I have been ttc for about 8 months and I wanted to get some advice on weather or not we should look at getting private health insurance through bupa ? I know there is a 12 month wait for pregnancy and delivery but it may take us that long or we may be looking at ivf at that stage which would save us alot of money after having seen the specialist not long ago I could see how much the difference was if we had private health insurance. Also I'm thinking about when the baby is born and what if it has to go to intensive care or if I need an ambulance we don't have much spare money lying around. So my question is and coming from people who r experiencing this at the moment or have experienced this is it worth it ? Your opinions would be greatly appreciated

  2. #2
    Join Date
    Jul 2013
    Posts
    149
    Thanks
    29
    Thanked
    73
    Reviews
    0
    I wouldn't be without it even though it is a struggle to afford it. After nearly losing my life back a few years ago and having to battle to get any treatment as a public patient. Plus my ex FIL was being sent home with extreme abdominal pain, when he said he had private cover he was kept in overnight and was in surgery the next morning. He had a life threatening appendix and wouldn't have made it back to the hospital had he gone home. I don't want my child waiting for months to see a specialist when with private cover we can get in within a week. Though it is not right or fair, public patients are at risk compared to private.

  3. #3
    Join Date
    Mar 2013
    Posts
    100
    Thanks
    19
    Thanked
    32
    Reviews
    0
    I don't know enough about private health for Australians to say much that is likely to be useful to you, but I can tell you that my comprehensive health insurance for overseas visitors more than pays for itself during pregnancy. I am finally getting back all the money that I dumped into insurance over the last 4 years.

  4. #4
    AdornedWithCats's Avatar
    AdornedWithCats is online now Winner 2013 - Spirit of BubHub Award
    Winner 2014 - Best Username

    Join Date
    May 2012
    Location
    Melbourne
    Posts
    7,815
    Thanks
    6,776
    Thanked
    3,407
    Reviews
    17
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 postsAmethyst Star - 5,000 posts
    Awards:
    Busiest Member of the WeekBusiest Member of the Week - week ended 12/6/15Funniest Caption400 Posts in a week300 posts in a week
    Quote Originally Posted by Amandale1727 View Post
    So df and I have been ttc for about 8 months and I wanted to get some advice on weather or not we should look at getting private health insurance through bupa ? I know there is a 12 month wait for pregnancy and delivery but it may take us that long or we may be looking at ivf at that stage which would save us alot of money after having seen the specialist not long ago I could see how much the difference was if we had private health insurance. Also I'm thinking about when the baby is born and what if it has to go to intensive care or if I need an ambulance we don't have much spare money lying around. So my question is and coming from people who r experiencing this at the moment or have experienced this is it worth it ? Your opinions would be greatly appreciated
    It depends really. If you want to go to a private hospital then yes, it is probably worth it but you will still have out of pocket costs ($2-5k depending on ob). There's always a chance you will get pregnant before the waiting period is over though. Make sure you have a good think about what you might need in the future (as you have already done in terms of what if you need IVF). I got phi two years ago in preparation for TTC but have since decided on a homebirth. This means most of my phi for obsetric purposes is a waste of money...there is only one insurance company that covers homebirth and I'm unfortunately not with them! But might change company in the future.

    Also think about what excess they have...different policies have different conditions...are you willing to pay $500 excess? Co-payments?

    Phi is definitely a good idea in terms of children imo but you'll need to get them included in your policy once you're about 8 months pregnant.

    Does Bupa have ambulance insurance? I bought mine separately.

    Not sure if any of that helps. Good luck TTC!

    Sent from my GT-I9305 using The Bub Hub mobile app

  5. #5
    Join Date
    May 2013
    Posts
    896
    Thanks
    45
    Thanked
    171
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    Quote Originally Posted by Des1102 View Post
    I wouldn't be without it even though it is a struggle to afford it. After nearly losing my life back a few years ago and having to battle to get any treatment as a public patient. Plus my ex FIL was being sent home with extreme abdominal pain, when he said he had private cover he was kept in overnight and was in surgery the next morning. He had a life threatening appendix and wouldn't have made it back to the hospital had he gone home. I don't want my child waiting for months to see a specialist when with private cover we can get in within a week. Though it is not right or fair, public patients are at risk compared to private.
    Thank you for sharing that and I completely agree those are some of my fears I want to be as prepared as I can and when this happen medically I don't want to be put to the back same for my future babies and df. I think tomorrow df and I r going to set it up

  6. #6
    Join Date
    Jul 2009
    Location
    Queensland
    Posts
    8,522
    Thanks
    2,929
    Thanked
    1,661
    Reviews
    36
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 postsAmethyst Star - 5,000 posts
    Awards:
    Busiest Member of the Week - week ended 26/9/2014100 Posts in a week
    PHI doesn't really cover much for IVF. You claim it back through Medicare to get a percentage back.

    As for pregnancy. It all depends if you want to see a private obstetrician and birth at a private hospital. If you don't-I wouldn't worry about PHI. If you do, you will still be out of pocket for your regular visits to the ob & the pregnancy management fee (which varies doctor to doctor) plus scans. You will again get some back from Medicare. The hospital stay you may pay an excess for (if you have it in your policy to lower premiums) and then you will get bills from paediatrician that checks bub after birth and anaesthetist (if you have an epi for pain relief or need a c section). You may only have to pay a gap for these which is the amount PHI doesn't cover. If your baby ends up in special care then there would be additional bills for this.

    If you are over the Medicare safety net then you will get more back from them too.

    I just had my 2nd baby in May at a private hospital. I paid about $90 for each appt at the obstetrician, $1900 for the pregnancy management fee, a $500 excess for the hospital & about $400 in paediatrician fees. Got quite a bit back from Medicare as I am over safety net,

  7. The Following User Says Thank You to summastarlet For This Useful Post:

    Caviar  (26-07-2013)

  8. #7
    Join Date
    May 2013
    Posts
    896
    Thanks
    45
    Thanked
    171
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    Quote Originally Posted by summastarlet View Post
    PHI doesn't really cover much for IVF. You claim it back through Medicare to get a percentage back.

    As for pregnancy. It all depends if you want to see a private obstetrician and birth at a private hospital. If you don't-I wouldn't worry about PHI. If you do, you will still be out of pocket for your regular visits to the ob & the pregnancy management fee (which varies doctor to doctor) plus scans. You will again get some back from Medicare. The hospital stay you may pay an excess for (if you have it in your policy to lower premiums) and then you will get bills from paediatrician that checks bub after birth and anaesthetist (if you have an epi for pain relief or need a c section). You may only have to pay a gap for these which is the amount PHI doesn't cover. If your baby ends up in special care then there would be additional bills for this.

    If you are over the Medicare safety net then you will get more back from them too.

    I just had my 2nd baby in May at a private hospital. I paid about $90 for each appt at the obstetrician, $1900 for the pregnancy management fee, a $500 excess for the hospital & about $400 in paediatrician fees. Got quite a bit back from Medicare as I am over safety net,
    Oh ok thanks for that it's so hard to decide. How much does the epidural cost in a public hospital ? And do you have to pay for a bed if you just have Medicare ?

  9. #8
    Join Date
    Sep 2012
    Posts
    1,272
    Thanks
    946
    Thanked
    1,022
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    I had a child last year publicly that was unfortunately still born (not anyone's fault) and I am incredibly satisfied with the care I received from when we found out she had passed through all the specialists appts afterwards. But I do feel a bit let down with my antenatal care.

    I am pregnant now and going private, mostly for continuity of care, I need my hand held this whole pregnancy and wanted an OB I could trust, got to know, had patience and understanding for my situation, etc. For me, already (11 weeks pregnant) I can see the difference in care. I have an OB and his midwife that I can easily contact with any fears and they will do a scan with no problems to reassure me all is still ok. When I went public with my last pregnancy I kind of felt out on my own until closer to 20 weeks when the hospital starts to see you. And then there was no continuity of care, I saw different people at my visits, which means different opinions.

    We are with Bupa and have ambulance cover, fairly certain it covers our initial ambulance ride but not if we need to be transferred.

    I think there are a couple companies that go by your due date, so as long as your due date falls after your 12 month waiting period you will be covered even if baby comes a little early. But Bupa is very strict, baby has to arrive after the waiting period. If baby is premature you'd most likely be sent to a public hospital like Royal Women's so it wouldn't matter about your private health cover.

    ETA: OB fees that we are out pocket was $270 for first visit and $3700 management fee. All other visits are bulk billed. I've already been in four times!
    Last edited by Kirst33; 26-07-2013 at 16:36.

  10. #9
    Join Date
    May 2013
    Posts
    896
    Thanks
    45
    Thanked
    171
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    Quote Originally Posted by Kirst33 View Post
    I had a child last year publicly that was unfortunately still born (not anyone's fault) and I am incredibly satisfied with the care I received from when we found out she had passed through all the specialists appts afterwards. But I do feel a bit let down with my antenatal care.

    I am pregnant now and going private, mostly for continuity of care, I need my hand held this whole pregnancy and wanted an OB I could trust, got to know, had patience and understanding for my situation, etc. For me, already (11 weeks pregnant) I can see the difference in care. I have an OB and his midwife that I can easily contact with any fears and they will do a scan with no problems to reassure me all is still ok. When I went public with my last pregnancy I kind of felt out my own until closer to 20 weeks when the hospital starts to see you. And then there was no continuity of care, I saw different people at my visits, which means different opinions.

    We are with Bupa and have ambulance cover, fairly certain it covers our initial ambulance ride but not if we need to be transferred.

    I think there are a couple companies that go by your due date, so as long as your due date falls after your 12 month waiting period you will be covered even if baby comes a little early. But Bupa is very strict, baby has to arrive after the waiting period. If baby is premature you'd most likely be sent to a public hospital like Royal Women's so it wouldn't matter about your private health cover.
    Very informative thank you for sharing your story, I'm so sorry to hear about your baby. But It's so good that you have the opportunity to do it again this time with a healthy bub
    I haven't even looked at any other health insurance places so maybe I should shop around first

  11. #10
    Join Date
    Jul 2013
    Posts
    149
    Thanks
    29
    Thanked
    73
    Reviews
    0
    My private health cover covered all hospitalisation for procedures in the private hospital required for IVF.


 

Similar Threads

  1. Private health insurance... is it worth it? Who with?
    By iamstarstuff in forum Conception & Fertility General Chat
    Replies: 44
    Last Post: 30-12-2012, 09:54
  2. Private health insurance for IUI??
    By fullofhope in forum Non-IVF fertility assistance
    Replies: 4
    Last Post: 12-11-2012, 21:30
  3. Replies: 11
    Last Post: 30-08-2012, 07:35

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
Softmats
With so many amazing reversible designs, the soft and cushioned Premium Bubba Mats are the perfect space for all the family. Not only do they look fantastic; you can also enjoy the quality and comfort for years to come.
sales & new stuffsee all
Pea Pods
Buy 2 Award Winning Pea Pods Reusable One Size Nappies for only $38 (in your choice of colours) and receive a FREE roll of Bamboo Liners. Don't miss out, we don't usually have discounts on the nappies, so grab this special offer!
Special Offer! Save $12
featured supporter
HuggleBib
The HuggleBib is not "just another" baby bib. Sure, your child may be a messy eater who gets more food ON them rather than IN them, so you dread cleaning after feeding times! Well the HuggleBib is THE best solution to help with all these daily tasks!
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!