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  1. #1
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    Default Hospital insurance and pregnancy.

    I know that you need to have hospital cover before falling pregnant otherwise they see it as a pre existing condition and don't cover it but I was wondering what are the actual benefits of having hospital cover while pregnant/giving birth ect atm we just have basic extras should I get hospital as well before I get pregnant? or is just medicare adequate enough?

  2. #2
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    Depends if you go private or public. If you want to go private it is good to have cover as it will cover your hospital stay, but you will still need to pay for obstetrician appointments and any management fees. All up, I think I had to pay about $4000 for my private hospital birth and I got about half back from Medicare.

    Most insurers have a 12 month waiting period for pregnancy although I think one of them has a 10 month waiting period.

  3. #3
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    If you go public you don't need to worry about insurance and most expenses, if not all, are covered by Medicare

  4. #4
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    You need to decide what's important to you. All up with private I was only 2k out of pocket ( phi paid rest and oby bulk bills and is no gap) and it was worth every cent.

    For my $$

    # before birth
    - most important my own dr 24/7 who knew my history without having to spend 10mins reading up. I did email at all hours of the day and night
    - proper information / education about everything
    - my dr was on time or I was called in advance so limited waiting around

    #During
    - access to pain relief when I wanted ( none of this dr isn't available blah blah blah - my sister was flat out refused an epi as it was the middle of the night)
    - my oby coming in to monitor
    - luxury, clean birthing room

    #after
    - my own luxury room, allowing peace and quiet
    - amazing food
    - could stay as long as I needed no rush to get out, so was there when milk came in
    - hubby could stay entire time
    - my own bathroom ( didn't want to share another bathroom with another heavy bleeding woman yuck)
    - physio appointments ( did have some muscular issues)
    - midwife check ups
    - still able to access dr if need be
    - just got them 6 months later to do a letter up so I can claim mum and bub yoga and post recovery lol


 

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