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  1. #81
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    Quote Originally Posted by DJ Nette View Post
    Unfortunately public funding is a cup of sugar. The only way to grow it is to pay more tax or move money from one place to another. Therefore where we can lighten the load we should. The burden on health is just going to grow and grow with our aging population.

    ....
    See I am comfortable paying more tax to help to ensure a better distribution of goods, such as health care, for everyone, regardless of their personal ability to pay. I guess it comes down to differing political philosophies.

    Yes, the burden on health is expected to grow with an ageing population. This need shouldn't need to be met privately though, in my view. Oldies are some of the most vulnerable people in the community, and they should be provided for and taken care of regardless of their ability to pay. When I'm boss of the world, I'll make sure it happens

  2. #82
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    Quote Originally Posted by maternidade View Post
    it takes years and years of training and education to work in medicine. If there was a sudden increase in demand for public transport the local authorities could have the quota filled in weeks. If there was a sudden increase in the need for our hospital system there simply isn't the man power.

    My analogy is not a perfect one by any means - just something I was thinking about.

    To continue on with the analogy though - there would be quite a lead time to build new buses, and yes, a lead time to bring through medical and nursing graduates, etc. However - neither of these things are likely to happen all of a sudden - ie there would likely be a growing trend of increasing public hospital use, or increasing public transport use.

    At the moment, too, as I understand it, there are a lot of medical graduates having real trouble getting residencies and things like that, and increased funding could be used for increased residency placements and supervision, etc, so it wouldn't be a matter of starting from scratch even if there was a suddenly increased usage of public health.

  3. #83
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    No PHI here. We have a toddler and a Bub on the way. We decided to put money into a savings account if health issues arise instead of paying PHI.

  4. #84
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    It's not always transparent that u are using ur private cover at public, it might be at some but it certainly isn't and is covered up at some, it's great if some of u have had it transparent and get u the consultant dr rather than the run about....

  5. #85
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    I have been weighing it up too but I don't think I can cancel it.

    DS needs physio, ot and psych.

    Dd needs ortho.

    I have major dental etc.
    I had both kids public even though I had my pregnancy cover as I was high risk and adel doesn't really have high risk ob at private hosp.

    I'm having weightloss surgery so will continue to keep it after that.

    My thing is how can I bring myself to make my kids wait long if they need something that I could make happen quicker? Eg physio etc

  6. #86
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    Quote Originally Posted by Lisau77 View Post
    It's not always transparent that u are using ur private cover at public, it might be at some but it certainly isn't and is covered up at some, it's great if some of u have had it transparent and get u the consultant dr rather than the run about....
    We went to LCCH a couple of weeks ago. They asked for my PHI details but did not say anything about using it. Yeah I signed papers but when your 10 day old Ds is limp and appears not to be breathing you don't exactly read it (I take full responsibility). Because I work in the industry I knew what was going on but not everyone is afforded insider knowledge. Now that I've cancelled my hospital cover in favour of extras I don't feel like I should be allowed an opinion but I do believe that you PHI should used in the public system if you have it.

    For us it was a matter of having hosp cover and continue to neglect dental etc. We kept Dh Top hosp cover (he is over 31 and considering WLS) and I have until October to get it again without the 2% loading. I will drop extras down to a lower level once we sort our teeth and get myself mid level cover 'just in case'.

  7. #87
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    Default Who has NO private health insurance?

    My son broke his arm in 2012 and had to have surgery to put the bone back in place. I was asked by the doctor if it would be OK if they could admit him as a private patient in the public hospital where he had his procedure and I said yes. In 2014, my son jumped and hit his face against a brick wall and split his tongue in half so badly he had to be sedated and have the plastics team stitch his tongue back together. I just checked my hospital claims history and even though they knew I had private health insurance, they didn't admit us as a private patient. This was a different hospital, though.

  8. #88
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    We have none. It isn't really something that you do in the uk so I had never even considered it! I've never had an issue with the public system here. I just don't see the point in spending the money to be honest. I have friends who have PHI and used it for their pregnancy and birth and yet ended up $1000s out of pocket still. We didn't pay for PHI went public and paid nothing...

  9. #89
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    I think given the average age of members on BH is likely under 45ish, the great majority have had minimal need for PHI (pregnancy usage aside) As we age the need for "elective" surgery becomes more relevant (think joint surgery, other non - urgent surgery like gall - bladder surgery and even adult cancer treatment can be delayed by the public system, like immediate access to MRIs etc. Hip replacement surgery can have a public wait list of 2 yrs+ in some areas).

  10. The Following 2 Users Say Thank You to Kaybaby For This Useful Post:

    rosey82  (13-06-2016),Wise Enough  (13-06-2016)

  11. #90
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    We have never had PHI and for the most part it's been fine..... but I would love it now since dd was diagnosed with type 1 diabetes so an Insulin Pump can be covered. But it's not an affordable option for us.


 

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