Yep when I say I was $10k out of pocket I mean that's what I paid after I got rebates back from PHI and Medicare.
Also, are you in the catchment for KEMH? They only take high risk patients if you're not.
For us the out of pocket costs (that is after PHI and Medicare) were about $5k with each child. We are pregnant with our third and going private again. It seems crazy to have to pay when you have PHI. To us however, the peace of mind and continuity of being under the care of one Obstetrician is well worth it.
We are going private for our second with sjog this time,
we had a rough birth with out first and wanted the privacy god forbid it happened again.
This time I am considered high risk as I have gestational diabetes and am very insulin dependant. Our oop expenses are stacking up like crazy then to find out bub will probably be admitted once born means another excess on top of mine. It's nice knowing we have the privacy of our own room with a toddler coming up for visits, however knowing we are in for some issues when bubs born (phi said so nicely if there are issues and bub has to go to scu we have to pay for it)
and knowing it will cost more we wish we went public we didn't pay a cent for our sons treatments (lights,bloods etc), we also now have to have a c-section so hoping that doesn't tick over (phi said it won't but we will see).
This is our last however we wouldn't go private again simply because we have had things arise out of our control and now feel like we have to pay an absurd amount simply cause we aren't having a smooth pregnancy :/
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!