No matter how many times I get phi costs explained I can't process it in my head properly. Choosi gave me a quote of $87 per month with CUA. They said I'd get back 65% back of out of pockets costs but the surgeon might charge their additional costs which aren't covered. I don't pay an excess but the most I would pay is $1000 for my stay. And I'd get 65% of what a surgeon would charge. So if a surgeon charged $6000 I'd get back $3900 back. So my total cost out of pocket would be $3100?
Whereas Latrobe Valley health costs me $105 per month and apparently I'd get 100% back over the Medicare threshold and only 500 excess.
I'm so confused
Medibank wasn't cheaper