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  1. #71
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    Quote Originally Posted by VicPark View Post
    Well it seems like public hospitals are using it to boost their funding!
    I don't see what's so bad about that? If a patient has PHI and is paying the premiums anyway, and all it costs the patient is the effort to show a clerk their PHI card, why not let the insurance company pay? The money will do more good in the hospital's pocket than the insurance company coffers!

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  3. #72
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    Quote Originally Posted by VicPark View Post
    I tell you what the free newspaper TV and warm and fuzzy wouldn't be enough to make me want to continue forking out $340 per month for phi. I have my own family to support - it's not my job to prop up the local public hospital and their patients. I would rather use my $ and go to Fiji. Or at least buy my kids that second pair of shoes I've been eyeing off.
    Lol, coincidentally, despite my apparent propensity to prop up public hospitals with my insurer's money, I am using my $ to go to Fiji next week

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  5. #73
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    Quote Originally Posted by Cue View Post
    I don't see what's so bad about that? If a patient has PHI and is paying the premiums anyway, and all it costs the patient is the effort to show a clerk their PHI card, why not let the insurance company pay? The money will do more good in the hospital's pocket than the insurance company coffers!

    Make no mistake, PHI won't lose money over to public hospital. If more claims are done they'll get the difference from their customers.

    Cue increase in PHI premiums.

  6. #74
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    Quote Originally Posted by ExcuseMyFrench View Post
    Make no mistake, PHI won't lose money over to public hospital. If more claims are done they'll get the difference from their customers.

    Cue increase in PHI premiums.
    I'm hardly expecting a flood of PHI claims in public hospitals. And it's not like most people are having long or frequent stays.

    Look, I think my point is being missed. Use it, don't use it, whatever. It's just the whole mentality of "what's in it for me" that I was trying to challenge.

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    Argh and people wonder why our PHI insurance premiums are increasing?! I laughed at some comments about just making your PHI pay the ludicrous bills to the public hospitals. This is why we pay $400 a month! Would you constantly claim from your car or house insurance and not expect premiums to rise?!

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  9. #76
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    Quote Originally Posted by lolz83 View Post
    Argh and people wonder why our PHI insurance premiums are increasing?! I laughed at some comments about just making your PHI pay the ludicrous bills to the public hospitals. This is why we pay $400 a month! Would you constantly claim from your car or house insurance and not expect premiums to rise?!
    My family and I, and most people, are not "constantly" in hospital and the "ludicrous" bills pay for essential medical care & equipment (which isn't cheap!). As I said before, you don't pay $400 a month to pay for public hospitals, you pay it so you can access private care.

    If everyone "constantly" uses public funds, taxes will rise/benefits will decrease. So it works both ways. Public money isn't limitless either.

    I would use my car insurance if I had a car accident as it's a significant incident. And having to stay in hospital is a significant incident - I don't go to the hospital for minor issues.

    No need to laugh, I have my opinion and you have yours.

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  11. #77
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    Quote Originally Posted by Cue View Post
    My family and I, and most people, are not "constantly" in hospital and the "ludicrous" bills pay for essential medical care & equipment (which isn't cheap!). As I said before, you don't pay $400 a month to pay for public hospitals, you pay it so you can access private care.

    If everyone "constantly" uses public funds, taxes will rise/benefits will decrease. So it works both ways. Public money isn't limitless either.

    I would use my car insurance if I had a car accident as it's a significant incident. And having to stay in hospital is a significant incident - I don't go to the hospital for minor issues.

    No need to laugh, I have my opinion and you have yours.
    Then why not just go through the private system if you are paying the money for it? That way Medicare doesn't get used. Unless you are one of those people that live a long way from a private hospital (eg my sister delivered her baby in Alice springs, they don't have a private hospital) I don't see the point of going public with private health insurance.

  12. #78
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    Quote Originally Posted by lolz83 View Post
    Then why not just go through the private system if you are paying the money for it? That way Medicare doesn't get used. Unless you are one of those people that live a long way from a private hospital (eg my sister delivered her baby in Alice springs, they don't have a private hospital) I don't see the point of going public with private health insurance.
    As I said before, I have used both. For emergencies for my children I have used the public hospital (it's a children's hospital, the private hospital doesn't take kids under 2yo). DSs surgery was in a private hospital. I had my babies in a private hospital. I have had a number of surgeries and IVF procedures privately. I make a determination based on where we will get the best and most appropriate care. And when we do go public, I use my PHI. Medicare can spend the money they would have spent on my family on someone who can't afford private care. For me it's a bit of a philosophical stance I guess.

  13. #79
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    It's a tough one, i do understand both sides. Ultimately you do what's right for your family. I just feel blessed that we can afford phi and can make that choice when many others can't.

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  15. #80
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    Quote Originally Posted by VicPark View Post
    I tell you what the free newspaper TV and warm and fuzzy wouldn't be enough to make me want to continue forking out $340 per month for phi. I have my own family to support - it's not my job to prop up the local public hospital and their patients. I would rather use my $ and go to Fiji. Or at least buy my kids that second pair of shoes I've been eyeing off.
    Believe me I've whinged about it in the past but ours is there for when **** really hits the fan. When DH had chest pains in March he got shipped to the nearest private hospital where the treatment was wonderful. It's also great when you need to get into surgeons for elective procedures.


 

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