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  1. #1
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    Default Phi question...

    We are planning on ttc next month which will put our due date just over the 12 month wait period.

    I've been to see an on today to get on the right blood pressure meds and have been given the fee schedule.

    It says that
    - management 1700 - 500 Medicare rebate
    - out of pocket 2863 - no rebates
    - ultra sounds 90 - 32.35 rebate

    As I'm planning an elective cs I'm wondering whether medibank covers the assistant required, anaesthesia, epidural etc? Are these part of the hospital cover?

    TIA

  2. #2
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    Best to call just to see. I had an epi and bupa paid for some ( not all ) of mine

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    MBP didn't cover my epi,

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    Mine was $1000, about 300 covered by Medicare and 200 by BUPA, so $500 OOP

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    Not being covered for epidural under phi annoys me considering as a public patient the cost is zero.

    Sometimes I wonder why I bother considering all but 1 of the surgeries we've had on it wouldn't have cost a cent thru public system😡

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    BUPA also fully covered the OB fee and the assistant fee, so best to check with your insurer. You will also have to pay for the pediatrician to be present, which is not covered by PH unless baby is admitted. It will get a Medicate rebate, and if you are up to the threshold, the OOP could be quite small.

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    I had a vaginal birth, but I had an epi. It cost me about $600 and I think I got some back from medicare and then about $60 back from HCF (from memory, this was two years ago!). I agree, call your private health fund to find out what yours would cover.

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    Quote Originally Posted by Zabella View Post
    BUPA also fully covered the OB fee and the assistant fee, so best to check with your insurer. You will also have to pay for the pediatrician to be present, which is not covered by PH unless baby is admitted. It will get a Medicate rebate, and if you are up to the threshold, the OOP could be quite small.
    Yep same here

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    Thanks for the replies. I've called medibank and I'm still confused. She said I need to ask my ob whether they participate in gap cover? She said that the delivery fee of 2863 seemed rather large?

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    Quote Originally Posted by babyla View Post
    Thanks for the replies. I've called medibank and I'm still confused. She said I need to ask my ob whether they participate in gap cover? She said that the delivery fee of 2863 seemed rather large?
    My oby is no gap which meant I didn't have to pay any extra. Some charge you more ontop of what phi pay.
    Mine was just under 2k that phi paid with no bill to me


 

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