Thanks everyone for the info so far. When you look at it like insurance, same as the house or car, you wouldn't be without that and this is way more important.
I didn't realise that some specialists would not see you without private health. It's just so expensive though! I don't need it for pregnancy related as we have our two daughters and aren't planning on any more. I haven't had anything but good experiences in public hospitals otherwise I probably would have had insurance by now although waiting lists are a bit of a joke!
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12-05-2011 16:00 #11Member
- Join Date
- Jan 2009
12-05-2011 16:05 #12
12-05-2011 16:05 #13
We do with mbf top hospital no excess or copayment and extras. I wouldn't be without it for all the reasons stated. When I had ds I had placenta praevia and needed an elective cs. My ob works on the public hospital on Tuesdays but because I needed my cs and he was full up he rang while I was in his room and cancelled his public surgery list for the Tuesday so he could deliver my ds. They tried to argue with him but he just said sorry you might have to get the registrar to do it! So the public patients would gave had someone less experienced or had their ops cancelled.
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12-05-2011 16:06 #14
We have basic hospital and extras. This includes ambulance cover too.
Using the extras we get our dollars worth. Df and I both wear glasses. And we use chiro, physio etc.
It is the peace of mind that if anything serious went wrong we would not be ugly out of pocket.
12-05-2011 16:22 #15
top cover. Gotten a few crowns with no out of pockets but the true reason i have it is hospital. I couldn't care less about pregnancy, we have enough choices in my area.
Life impacting but not life threatening conditions just have too long a wait, so i have it for that.
Sadly working for a phi fund i've heard of numerous situations where a 'slight concern' was put off so long it became life threatening or terminal. They were the hardest people to talk too. Can you imagine buying your cover cause your dad's "pre-cancerous cyst" wasn't removed until it had reached the blood ****** as it was less urgent than others?
12-05-2011 16:33 #16Senior Member
- Join Date
- May 2010
Im with Mutual Community and they keep going up , we have hospital with extras. So during 1 calander year excess is $400 per hospital visit but capped at $1000 a yr.
As everyone has said before you just dont know when you may need it and to have the flexibility of choosing drs, less waiting time and reduced costs when you most need it.
But just this yr alone, I have done 2 ICSI/IVF cycles which have saved me over $2000 per cycle (so its just covered my yearly private health cost just in that cycle!) been to physio 5 times saved me $150, gotten new glasses which has saved me $350, my DS has been to Dentist and saved me $50. Now im seeing my own private ob and i will roughly be out of pocket about $1500 for the whole pregnancy, labour, hospital etc - which I get to choose.
So even though it is a bit expensive I would not be without it!
12-05-2011 19:02 #17
Yep, I have it with Manchester Unity and glad I do. Recently had a funny smear on my thyroid biopsy, was in to see the Thyroid surgeon within a week and then in hospital in two weeks to have part of my Thyroid removed.
$250 excess for the hospital stay and $201 out of pocket for the surgeon.
12-05-2011 20:01 #18Senior Member
- Join Date
- Oct 2008
Yep we have PHI, we were with medibank private but just switched to HBA as they pay more on their extras. I would never be without it, we have used it every single year for a hospital claim sometimes 2 - 3 times a year. Our cover for a family with top hospital and medium level extras is $300 per month. We have been on struggle street for the past few months and I have cut out things from our budget like dropping the kids swimming lessons (can do it ourselves at the local pool for $5) but the PHI is not even something I would consider - it is just to valuable. If someone in my family is in pain or needs an 'elective' procedure I would never forgive myself for leaving them on a long term waiting list
12-05-2011 20:10 #19
We have it. Didn't use it for pregnancies, I wanted to stay right away from an obstetrician.
I am with teachers' federation health. I have essential extras. It is $80 a fortnight for our family. I only have it because I feel we have to.
I think I pay out more than what I actually get back as we only use it for chiro. If I wasn't over 30, I'd probably be better off just saving the $40 each week and using it when needed for medical bills.
Last edited by BigRedV; 12-05-2011 at 20:14.
12-05-2011 20:22 #20Senior Member
- Join Date
- Jan 2010
yes and yes i think it is very important, i wouldnt be without it. I am currently sitting in a private rm at a private hospital with my 3yr old son. He had his tonsils & adnoids out & grommets done this morning. this is not costing me a cent, my meals, room at hospital, petrol to drive the 2.5hrs here are all covered by my health fund. They have also covered a hotel rm for us all last night & a hotel rm for my DH & 1yr old tonight. The surgeon/ENT & anaesthetist are covered too. I saw the ENT 3wks ago & we're here now. We use our health fund all the time- we get 2 dental visits a year free, $500 worth of cancer council products each a year (for hats, sunnies, suncream) i get bad cracked heals so i go to the podiatrist about 6 times a year, my son saw a speech therapist, my husband has a bad shoulder so he sees a physio- all of these things are completely covered. I had both my kids at a private hospital & stayed 7days with each, so did my husband, everything was paid for him by our health fund. We are in the top level of cover, and yes it is very expensive, but it is so worth it!
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