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  1. #1
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    Default Costs of having a baby

    When you are newly pregnant with your first child, it can be very confusing/worrying to know what costs you are going to incur for medical services and what costs you might get back through medicare and your private health insurance.

    It would be great to use members' recent experience of having a baby in Australia to let others know what they had to pay for, at what stage of the pregnancy and what they got back.

    We can then collate a general guide.

    An example would be along the lines of (note these are completely made up figures):

    12 weeks
    Scan and obs appointment: cost: $150. Got $100 back on medicare

    16 weeks: obs appt: cost $75, got $50 back on medicare

    20 weeks:
    Scan and obs appointment: cost: $150. Got $100 back on medicare

    And the hospital costs for the birth.

    There'll be different types of birth - eg natural, no drugs, through to c-section where the costs vary widely, but we can include all that type of info in the final 'guide sheet'.

    Thanks for your input!

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    sprinkelle (30-12-2013)

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    I wish to ask if we have to pay extra for the glucose challange test? Because I had been paying around 35$ to my Obs for every visit but this time I got my reciept of 100$

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    Just bumping this one to see if we can build up a list of the costs involved from the experiences of our viewers...

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    I have identical twin girls and everything seemed to cost so much that we very quickly passed our medicare threshold (for a couple $1000).
    Due to previous miscarriages and the fact they were identical, we had ultrasounds from week 5. i calculated that we had approx 15 ultrasounds that cost $300 each go! This was because they were twins. I think I only got about $75 back for each. We also had to have weekly heart monitoring for about 8 weeks at $40 each visit. My ob visits were every fortnight at around $90 each go plus his delivery fee for the C-section. It was more than usual as it was classed as a complicated birth.

    At hospital I didn't receive a bill from the anethatist and as the twins were in special care for 4 weeks we ended up being out of pocket $800 to the pediatrician. Now each visit to him is $175 for each! on top of that I had to have 4 ultrasounds done for their hips when we LEFT hospital at $215 for each x 4!!!!

    Although we have had many expenses we have 2 beautiful and precious girls! And having a private room where my husband could stay every night with me after their birth when they were very sick was WORTH it!

  6. #5
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    I am seeing a specialist ob in melbourne for type 1 diabetes. In a nut shell I am a private patient seeing a private ob in a public clinic.
    Luckily I am able to see him in the public pregnancy management/diabetic clinic at the Royal Womens, so I don't have to pay for any of my consults. I just pay a one off management fee of $2,100(total out of pocket expense) at about 20 weeks.
    All bloods and urine etc is done in the hospital, and due to it being public there is no charge.

    I am going to have to pay about 250 excess as I am having the baby at Frances Perry, but my private health insurance (MBP) covers all of the delivery fee and bub is automatically covered for any hospital costs also, meaning you don't have to take out family cover two months prior to birth like you do with some other funds. We just have to add bub onto the cover within a month or two after the birth. This is good news because the family excess is much more then the single excess (about $700).

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    Hi hi.

    I'm only 9 weeks along, but have had two dating/viability scans (one to date the bub, another because we enjoyed the first so much!)

    The first cost $190, the second (different clinic) cost $180.

    We get $110 per scan back from medicare (i think).

    I'll add in my costs as I come across them.. I think this would be a useful resource for people..

    Cheers

    Liv x

  8. #7
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    MilkOnTap is offline Rivi Cecilia - my 2nd VBAC Home Birth has arrived!
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    I'm seeing an Independant Midwife (IM). She is charging me $4K for the whole kit and caboodle. Thats ante-natal care, 24/7 phone help, delivery of the baby, daily for the week following the birth and once a week in the post-natal period. She will provide the birthing pool and everything that we need here at home for the birth.

    I will receive $2000 back from private health insurance. $500 for ante-natal care PER financial year, so I can claim that twice, and $1000 for delivery and confinement by a midwife.

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    DD - Public - $0

    DS - Private - out of pocket about $1500 after medicare and PHI rebates.

    I have a detailed list of what costs were involved but it's a bit boring to post here.

    OB visits were $90 each, and PMF was $2500 I think. Got most of those back through Medicare as we reached our threshold a few months into the pregnancy thanks to a hospital admission for DD.
    Hospital was $250 excess and there was no OB charge for the birth as he had an arrangement with health fund for no out of pocket.

    Money aside, hated private. If I had to birth in a hospital again I would go public and not pay a cent.

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    Our costs are a little at the top end as we're using a specialist obstetrician in the city but here goes.

    First ob appointment $229 (including quick ultrasound) - received about $60 back

    12 week ultrasound $190 - received about $60 back and then downs syndrome blood test $100 (don't know what I'm getting back yet but am now at safety net).

    20 weeks - ob management fee $3099 (can be claimed on medicare)

    30 weeks - another ob management fee $2000 (can't be claimed on medicare)

    After birth we will receive a bill for all the appointments but that is apparently 100% claimable on medicare.

    With DS we needed a paediatrician after birth which was around $600 we got about half back.

    Hope this was informative

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    Sorry but what did that cover? Scans, hospital stay and everything?


    Quote Originally Posted by ~Emmylou~ View Post
    DD - Public - $0

    Money aside, hated private. If I had to birth in a hospital again I would go public and not pay a cent.


 

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