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  1. #41
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    Never had it as I believe we have a wonderful health system that I pay for via medicare levies. I've done the math back to front and sideways and we are better off putting the same money aside to cover things that come up. We just paid $1100 for DD to get an adjustable orthodontic plate. This will last her about 3 years and cost about the same as one year of extras at a level that covers othodontics (which then probably only pays for $500 of it).

    We have ambulance cover and that has paid for itself 100 times over.

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    BornToBe  (10-06-2016)

  3. #42
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    We have had great care from the public orthodontist. Dd2 has had quite few sets of double adjustable plates. Now she has braces and come Dec she will have the first in a series of major face changing operations with more braces between and after the ops. She has had over $10, 000 and still has 10, 000's more. There is no way I could afford that with private cover.


    The public system has been good to us.

  4. #43
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    Default Who has NO private health insurance?

    Quote Originally Posted by Stretched View Post
    Never had it as I believe we have a wonderful health system that I pay for via medicare levies. I've done the math back to front and sideways and we are better off putting the same money aside to cover things that come up. We just paid $1100 for DD to get an adjustable orthodontic plate. This will last her about 3 years and cost about the same as one year of extras at a level that covers othodontics (which then probably only pays for $500 of it).

    We have ambulance cover and that has paid for itself 100 times over.
    My health insurance pays between $1500 and $2500 for orthodontics, depending on how long you've had cover for and I only know this as I was told my daughter will need something in a couple of years as her adult teeth are very crooked so I looked at what they covered.

  5. #44
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    We have never had it! I have had 3 babies in the public system, my son has had grommets x2, asthma and allergy emergency trips, all three of the kids have $1000 free dental each year through the dental scheme and I have had a cone biopsy that was booked before my initial biopsy results came back as he could see that it was visably bad. Love our health care system here in Australia and feel so fortunate!

    If something came up that we needed to pay for we just pay for it... I wouldn't fork out insurance dollars each month just in case.

  6. #45
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    I don't have private health. DF is covered under his parents until he is 25, so he is making the most of it and getting a lot of dental work done.
    Once he turns 25, we will both be without. I've never had PHI and I've survived without it. We have a great public health system and honestly I think PHI is a bit of a rip off. I do however, put $100 away a week into a savings account in case but I've never had to use it.

    In my years, I've been to hospital many a time, and have always been extremely pleased with the care I have received. Public hospitals are fine and I do understand that sometimes the wait for elective surgery is long but if we wanted it earlier we would pay to go private.

    I was also unaware that some people actually have to PAY for ambulance travel??

  7. #46
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    We have it and I've just changed policies. We have dropped the extras and changed funds as the latest price hike was just ridiculous. We have kept hospital as I need it for chronic health issues. My dr works out of both the public and private systems but when I need to be admitted for something it cant really wait. It's not emergency but I can't wait 6 months to find out what the next step is for my health. I've had several surgeries in the public system and it has been great and 1 in private so far which was also excellent. Public are excellent for emergencies - I had a serious issue when I was 6 weeks pregnant that resulted in emerg surgery publicly and I can't fault it. DS was also born in a public hospital via a group practice and the standard of care excelled my friends' (and cots nil!) who went private IMO.

    I had DS is the public system and will with future children because I think its a racket what obs and private hospitals charge for pregnancy/birth on top of your private fund fees. I am fairly surprised actually that it's as popular as it is with low risk pregnancies tbh!

  8. #47
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    I got it because of experiences I have had with my family in the public system and because we pay some surcharge for not having it. I pay $350 a month. I spent many years without it.
    Last edited by Janesmum123; 09-06-2016 at 20:53.

  9. #48
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    I only have PH (hospital - no extras) to reduce the payment of the medicare levy and bc we know after 30 the costs to join PH increase....

  10. #49
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    I work in the health industry and I wouldn't be without PHI.

    You are able to choose your doctor (some specialists do not see uninsured patients) and are able to have any elective surgery when it fits in with your schedule which is important when working full time.

    Whilst our public system is not too bad (and some public hospitals are exceptional) I want to be able to choose when and where I use it. My SIL had a horrible experience and was in the Royal Melbourne and Royal Womens for a month and the staff and care she received was exceptional, but that is not all public hospitals.

    Although financially it definitely puts a strain on us, I just wouldn't be without it. It is like all insurances (car, house, travel, life etc.), you hope you don't need to use it, but when it comes down to it, you wouldn't want to be without it. I'm thinking of dropping out extras but would never drop our hospital cover.

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    Sethysmum  (10-06-2016)

  12. #50
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    Quote Originally Posted by babymummatobe View Post

    I was also unaware that some people actually have to PAY for ambulance travel??
    This varies between states. Qld, for example, has an ambulance levy bundled in with one of the regular bills (maybe electricity?) and that covers everyone so they don't need to get cover for it.


 

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