Im with medibank private. Need extra for remedial massage, dentist n for having a baby
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12-05-2011 20:52 #21Senior Member
- Join Date
- Jul 2010
12-05-2011 20:57 #22
My parents got private health cover for me when I was a teenager, as I suffered a long-term eating disorder and the only way to get decent treatment was through the private system! I still have it and I think it's very important.
There are lots of unexpected 'non-emergency' procedures which are still very important for quality of life.
I had to have a bilateral earlobe split corrected with surgery- went through the public system and was put on a 36-month waiting list- went through the private system and had the procedure done within a 1.5 months.
Public hospitals have a 'priority' system- meaning that if you aren't deemed urgent, you're not treated urgently!
You could be in a car accident and be treated through the ER in a public system, which is great- but 6-months down the track, you may want to get re-constructive surgery on a damaged knee, or to improve the appearance of scarring which is affecting your self-esteem. Depending on how urgent the hospital thinks your needs are, you may have to wait some time to be treated- purely because there are people out there who will be needing those same surgeons to perform life-saving surgery on them!
It's dear, but I think it's important
12-05-2011 21:09 #23
we have top level family cover with mbf.
we'd both had basic hospital cover but upped it when DH was playing football and have left it up there and its come in handy a lot in the last couple years.
each DH and DD1 have had operations, i had DD2 and DH and i both get a remedial massage once a month with ends up costing $10 after rebate. also i took DD2 to a chiro a few times and gap was $5!
12-05-2011 21:37 #24
We don't have it.
I don't have any experience with the hospital system (other than labour & birth which was public all the way and amazing) as both me, DH & DS have never needed to get any minor or major procedures done.
Sorry to hijack OP but what are you looking at for basic hospital cover plus extras?
12-05-2011 21:58 #25
I have it because my parents got it when I was born due to a medical condition that they knew I would need help with.
I have top cover family cover plus extras etc with HCF.
Love it. I like knowing that its there and I dont have waiting periods and I have a choice at the type of health care I want.
12-05-2011 22:12 #26
12-05-2011 22:32 #27
Yes its so good to actually see some of the money invested into PHI!!!
Oh man I'd have died if I didnt have dental. Because I don't drink milk and avoid most dairy (apart from cadburys dairy milk chocolate lol), when I was preggers, DD just sucked all the calcium from my bones and teeth and even though all my life, Ive gone to the dentist every 6 months and been a natzi* about good teeth, I still needed to go to the dentist like once a week for most of my pregnancy, had like a thousand fillings, a crown, blah blah blah you name it! Each week I'd be all fixed up, then a month later "oh you need 5 more fillings" WTF my poor mouth
*(sorry if that word offends anyone, I have no ill intentions)
12-05-2011 22:53 #28Senior Member
- Join Date
- Feb 2010
- wine county
12-05-2011 23:07 #29Happy family
- Join Date
- Oct 2008
- Seasme Street
My son had non urgent surgery through the public system when he was 9 months old. He needed more surgery after that which was also non urgent and I Even got to pick the month they did it in so It wouldn't interrupt my uni exams.
I don't have PHI and personally don't see the need for it for us. I havent had any bad experiences with the public system.
13-05-2011 06:39 #30
waiting periods come down to your area and luck.
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