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  1. #21
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    Im with medibank private. Need extra for remedial massage, dentist n for having a baby

  2. #22
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    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

  3. #23
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    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!

  4. #24
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    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?

  5. #25
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    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.

  6. #26
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    Quote Originally Posted by Optimus^Lime View Post
    I reckon HCF is a really good fund as well, they also have excellent extras and rebates.

    PHI gets me excited, I don't know why.
    one of the extras im loving at the moment is, at the end of DD's swimming term I get $150 back always comes in handy!!

    LOL It gets me excited too haha I thought I was just weird

  7. #27
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    Quote Originally Posted by Optimus^Lime View Post
    Oh let's be PHI dorks together

    I think it's because the extras gets something back.

    We need to go back on extras for glasses, and dental, will shortly.
    Lol for sure hehe

    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)

  8. #28
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    Quote Originally Posted by doglover View Post
    My son had to have his tounge tie cut - it was done in the private hospital 2 weeks after discovered - public wait 18 months.
    interesting that I don't have PHI and my son's tongue tie was corrected when he was 6 days old with a private specialist. Didn't pay a thing and the appointment was wait was 3 days.. so perhaps it's only certain areas that have such a long waiting period?

  9. #29
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    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.

  10. #30
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    waiting periods come down to your area and luck.


 

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