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  1. #31
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    I pay for pregnancy top cover and still went public with my first child as I'm high risk. We pay $120 fn I think (we get corporate cover) is your partner qualifies in anything or yourself? You might be entitled to this through a union...

    I paid over $5k in physio and chiro last year then $4,000 on my teeth. ITS worth it. Even though bupa have ambulance I would still get a seperate policy from your ambulance service as they need to say its emergency just heads up, they knocked me back when I went in with a seizure 😳 so got stuck with a $800 bill!!'


    Idammed

  2. #32
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    Quote Originally Posted by BigRedV View Post
    There are plenty of private doctors with huge waiting lists. Having phi doesn't automatically mean you won't have a waiting time. My husband had to see a back specialist. He had to wait 3 months for an appointment. Every time he's needed an appointment, he's had to wait at least a month. Yes, it's much shorter than public if it isn't life threatening, but it's not instant. Also, my son has to go and see a paediatric surgeon and his appointment isn't until 5th August and I booked it over a month ago.
    I think this also depends on the type of doctor and treatment you require and where you live. Capital cities have more resources. DD requires grommets in her ears and after seeing the specialist for her first appt she was booked in for surgery a week later on my chosen day.

    I will also vouch for phi and say its totally worth it. Since 2009 We have done 4 rounds of ivf, dd's grommets, hospitalized for a kidney infection during dd's pregnancy and hospitalized for a subchrionic hematoma (blood clot) during this pregnancy. After all of our treatments I received the itemized statement which outlines how much the procedures and stays cost and the grommets was about $4k and SCH about $7k - all of which phi paid for in full. We are with medibank private. One excess at the start of each calendar year so paid $500 and have been in day surgery once, hospitalisation for the clot and hopefully won't need to be admitted again until I give birth to my belly baby. Pretty happy with the amount of stays I have and will receive under the one excess.

  3. #33
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    Quote Originally Posted by nicole83 View Post
    I think this also depends on the type of doctor and treatment you require and where you live. Capital cities have more resources. DD requires grommets in her ears and after seeing the specialist for her first appt she was booked in for surgery a week later on my chosen day.

    I will also vouch for phi and say its totally worth it. Since 2009 We have done 4 rounds of ivf, dd's grommets, hospitalized for a kidney infection during dd's pregnancy and hospitalized for a subchrionic hematoma (blood clot) during this pregnancy. After all of our treatments I received the itemized statement which outlines how much the procedures and stays cost and the grommets was about $4k and SCH about $7k - all of which phi paid for in full. We are with medibank private. One excess at the start of each calendar year so paid $500 and have been in day surgery once, hospitalisation for the clot and hopefully won't need to be admitted again until I give birth to my belly baby. Pretty happy with the amount of stays I have and will receive under the one excess.
    I live in Sydney!

  4. #34
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    Quote Originally Posted by BigRedV View Post
    There are plenty of private doctors with huge waiting lists. Having phi doesn't automatically mean you won't have a waiting time. My husband had to see a back specialist. He had to wait 3 months for an appointment. Every time he's needed an appointment, he's had to wait at least a month. Yes, it's much shorter than public if it isn't life threatening, but it's not instant. Also, my son has to go and see a paediatric surgeon and his appointment isn't until 5th August and I booked it over a month ago.
    Yep, I agree with this. At work some of our doctors have their books shut and others have a min 2 month wait. We are the only private clinic in our field in a regional town (newcastle, so still a lot of people!!). Better than 18 months just for an appt in the public system though.

  5. #35
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    Of course some doctors have a big wait. My point was that it isn't always the case and usually better than public.

    New patients have a 7 month wait to see my ivf specialist. There are tonnes in our area but he is considered one of the best. It depends on who you chose and what type of condition you are being treated for.

  6. #36
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    We wouldn't be without PHI. But you have a lot of out of pocket expenses still
    The birth of my second child cost us the following:

    Initial OB Visit: $200 (portion claim able by Medicare)
    General OB visits $0 (he bulk bills the normal visits)
    OB management fee: $2500
    BUPA excess: $500
    Epidural: $800 (phi paid $90 Medicare $220)
    Paed: $480 with a portion claimable

    We would never get rid of it now we have children, choice of dr is a major factor for me and is worth the money.




    Totally in love with our two beautiful little girls.
    Feb 2011 and May 2013

  7. #37
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    Very interesting to hear other people's experiences on this topic! DH and I upgraded our PHI a few years ago before TTC and in the end we decided to go public and we could not have asked for better care. We were in a midwifery group program so saw the same few midwives and they were there for the birth. I got in to see the consultant ob immediately when it was discovered I have a heart murmor. I also went in for a few extra checkups due to reduced movements and the care was fantastic! I also had access to the hospitals lactation clinic for a month after birth all at no cost.

    I have also suffered with PND and see a pyschologist publicly through perinatal mental, all no cost and there was no wait list.

    DD has seen a private paed regularly due to some issues but we just pay the fee and claim through Medicare. As specialist appts are an outpatient service PHI doesn't cover and makes no difference to wait lists.

    When we have our next bub will definetly go public again and will prob down grade our phi tbh. Also remember that if there are any complications with bub you may need transferring to a large tertiary hospital depending on what level of care your private hospital has.

    So it's certainly a personal decision depending on your family's needs.

    Good luck!

  8. #38
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    Depending on your age and income, you have to pay additional fees at tax time if you don't have PHI. Also, when you finally get PHI, if you are over 31 a fee is added to the cost of the plan for each year you leave it. I'm not sure of the particulars but I'm sure another BHer will be able to explain better than I.

    I got hit with a fee of about $600 one tax year. DH was similar. We went out & got PHI which currently costs us about $2500 per year but obviously you get benefits with your plan.

  9. #39
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    Quote Originally Posted by Amandale1727 View Post
    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 ?
    You don't pay for anything in a public hospital. Everything is covered under Medicare.

  10. The Following User Says Thank You to wannawannabe For This Useful Post:

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  11. #40
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    I'm with Medibank Private and have just upped my cover to include obstetrics for when we start TTC next year. I've have friends that have gone private and others that have gone public and both have pros and cons. I had a miscarriage a few years ago when still under my mums full cover and I saw an ob for that, he was fantastic and I will go back to him when we get pregnant. My DF also has issues with his teeth after being punched in the mouth so having dental cover was important to us too. It's expensive and sometimes I wonder why we bother because we don't use it often but I'm glad it's there if we do need it and really you just never know, **** happens and I would rather be prepared than not..


 

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