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  1. #11
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    I went private and my only out of pocket for hospital was my excess and the paed visit ($100 OOP).

    And that was with me spending 3 nights in a 5* hotel in lieu of the hospital. Loved it and would go back in a flash!!

    I should add that I had a vaginal birth with no epidural so that kept costs down.

  2. #12
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    Quote Originally Posted by ExcuseMyFrench View Post
    I went private and my only out of pocket for hospital was my excess and the paed visit ($100 OOP).

    And that was with me spending 3 nights in a 5* hotel in lieu of the hospital. Loved it and would go back in a flash!!

    I should add that I had a vaginal birth with no epidural so that kept costs down.
    Thank you

    How can i ensure even if i have an epidural or c section that I have no out of pocket expenses?

  3. #13
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    Quote Originally Posted by MrsTinkbug View Post
    Thank you

    How can i ensure even if i have an epidural or c section that I have no out of pocket expenses?
    You would need to speak to your health fund and the specialists involved to find out their fees and what's covered.

  4. #14
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    I had a planned c-section for medical reasons. OOP hospital costs were approx (after medicare refunds):

    - PHI excess $500
    - Pead attendance at delivery and subsequent visits in hospital - $300
    - Additional OB at delivery - $200
    - Anesthetist - $200
    - Medication to take home - $40

    I'm not sure how I could have avoided these, given that they were all required/compulsory as part of having a c-section. My OB did let me choose the pead (and extra visits from the pead were required due to bub being breech and having hip issues), so perhaps I could have picked someone cheaper? But I didn't get a choice on who was the additional OB or anesthetist.

    I also had OOP expenses for blood tests and 2 scans during the pregnancy.

    But I had a wonderful OB and a really nice 5 night stay in a great hospital. All my nappies, wipes, maternity pads etc were provided. A personalised pain relief plan was arranged for me. I had access to a lactation consultant and able to use the hospital's lactation clinic if I needed it when I got home. My anesthetist even called me at home a few days before the surgery to prepare for the c-section and recovery.

    So basically, for me, the OOP costs were totally worth it!

  5. #15
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    Quote Originally Posted by MrsTinkbug View Post
    Thank you

    How can i ensure even if i have an epidural or c section that I have no out of pocket expenses?
    It truly depends on your doctor and health plan.

    I didn't pay for my epi as my fund is no gap and my ob doesn't charge any differently for birthing variations.

    wifey of hubby who is always away. mother of two girls who are always amusing.

  6. #16
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    Quote Originally Posted by gingermillie View Post
    You would need to speak to your health fund and the specialists involved to find out their fees and what's covered.
    Quote Originally Posted by hollypolly View Post
    I had a planned c-section for medical reasons. OOP hospital costs were approx (after medicare refunds):

    - PHI excess $500
    - Pead attendance at delivery and subsequent visits in hospital - $300
    - Additional OB at delivery - $200
    - Anesthetist - $200
    - Medication to take home - $40

    I'm not sure how I could have avoided these, given that they were all required/compulsory as part of having a c-section. My OB did let me choose the pead (and extra visits from the pead were required due to bub being breech and having hip issues), so perhaps I could have picked someone cheaper? But I didn't get a choice on who was the additional OB or anesthetist.

    I also had OOP expenses for blood tests and 2 scans during the pregnancy.

    But I had a wonderful OB and a really nice 5 night stay in a great hospital. All my nappies, wipes, maternity pads etc were provided. A personalised pain relief plan was arranged for me. I had access to a lactation consultant and able to use the hospital's lactation clinic if I needed it when I got home. My anesthetist even called me at home a few days before the surgery to prepare for the c-section and recovery.

    So basically, for me, the OOP costs were totally worth it!
    Quote Originally Posted by Rose&Aurelia View Post
    It truly depends on your doctor and health plan.

    I didn't pay for my epi as my fund is no gap and my ob doesn't charge any differently for birthing variations.

    wifey of hubby who is always away. mother of two girls who are always amusing.
    Thanks ladies.

    Finding it really frustrating that you pay PHI only to be slugged with extra costs, is it really worth it?

  7. #17
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    Quote Originally Posted by MrsTinkbug View Post
    Thanks ladies.

    Finding it really frustrating that you pay PHI only to be slugged with extra costs, is it really worth it?
    Only you can answer that one. Depends on your family income, depends on you medical circumstances and depends on where you put the value.

    Personally we could afford it and it was very important for me to have the same provider all along. It was very nice to see a familiar face in the delivery room!
    But truly I went private to have 5 days in hospital post birth. I have no family or support her so it was very important to me to have this time.

  8. #18
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    Quote Originally Posted by MrsTinkbug View Post
    Thanks ladies.

    Finding it really frustrating that you pay PHI only to be slugged with extra costs, is it really worth it?
    For me it is. Everyone has different opinions. I pay about 2.2k a year in premiums for our family for top cover. In 2012 our hospital stay costs were 60k plus. This year my health fund will pay out 10-15k for the birth for my 3rd baby.

    wifey of hubby who is always away. mother of two girls who are always amusing.

  9. #19
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    Thanks ladies

    Some food for thought 😊

  10. #20
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    Quote Originally Posted by MrsTinkbug View Post
    Thanks ladies.

    Finding it really frustrating that you pay PHI only to be slugged with extra costs, is it really worth it?
    In this case (having a baby), I think it it, yes,

    We pay about 4K a year on PHI... having a baby (with a smooth birth with nothing extra required) recently cost my friend $13,700.
    Our OOP will be about 1.5K... so 5.5K vs 13.7 is worth it to me.


 

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