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  1. #31
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    Quote Originally Posted by LPerth79 View Post
    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?
    At 6 days old the specialist would have just snipped it in his room yes? My sons wasnt picked up till he was 10 months old and he had to be knocked out and operated on for it to be corrected. That's prob the wait difference.

  2. #32
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    BH-KatiesMum is offline Community Manager
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    Quote Originally Posted by mummyanddaddy View Post
    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!
    I tis incredibly expensive.

    I would have a pretty good look around at the different companies and get just the level you need. Basic hospital cover, with an excess is not so bad ... and will get you into the hospital in these kinds of situations.

  3. #33
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    MyAlterEgo is offline Love my hubby, my kids, my life what more could I want.... oh yes another bubba
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    Yes and I refuse to give it up :-) my mum has PHI and in 1 illness with 2 hospital stays and an emergency RFDS flight to Perth total cost $40,000 plus. The initial op (Gall bladder removed) she required would have been a 2 year wait if public and she has it in 2 weeks and spared herself years of pain and hospital stays waiting.

    We are with Peoplecare and cannot beat value for money with their cover we have basic private (covers private hospital for everything except 4 things that are only covered in public hospy) with silver extras for our family of 5 it's $160ish per month.

    HTH

  4. #34
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    Quote Originally Posted by MissScorpio View Post
    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
    This is really good. Will check hcf for monthly payment. With medibank i didnt get any back but pay quite a lot for monthly are they good extra for remedial massage? Hehe thats my treat from PHI

  5. #35
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    Quote Originally Posted by MissScorpio View Post
    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
    Oh im very interested in this? We have HCF cover, only hospital and general extra I think it is do you happen to know if I would still get this? Or is it only with top cover?

  6. #36
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    Quote Originally Posted by ecstatic View Post
    This is really good. Will check hcf for monthly payment. With medibank i didnt get any back but pay quite a lot for monthly are they good extra for remedial massage? Hehe thats my treat from PHI
    (I may have misunderstood you here but if you mean what I think you mean) with the swimming, it doesnt automatically get sent back to your back, I had to take the receipt of payment to a HCF branch to claim the $150 back.
    not sure if thats what you meant or not hehe

    Quote Originally Posted by mmy2b View Post
    Oh im very interested in this? We have HCF cover, only hospital and general extra I think it is do you happen to know if I would still get this? Or is it only with top cover?
    I actually don't know...I checked over my forms to see if it was written anywhere and its not so possibly just give them a call and find out.
    I also don't know if its for any swim school or certain ones (you know how like certain hospitals and dentists work with certain health funds...)

  7. #37
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    Yes, we're with HCF. I prefer the treatment at private hospitals - e.g., private room/ better facilities, and have had better experiences through private health than public.

    I've also been able to claim a lot of things like acupuncture, pregnancy aerobics/ pilates, etc. which has been handy.

  8. #38
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    Not all funds pay for swimming lessons, in fact MOST don't.

    In July 2002 the government did a massive overhaul of 'lifestyle' based programs. They made multiple recommendations and basically told all the funds that if they ignore the recommendations they would introduced them as legislation to the PHI Act.

    Most funds ceased paying benefits then, or in 2005 when the governing department again told the funds to tighten things up. It's because MOST funds listed that it has not yet been legislated.

    Rule of thumb is lifestyle programs should be amelioration of or prevention of a specific medical condition. As important as swimming lessons are in most cases it's not prevention or treatment. (although I guess we can all pull the asthma card lol)

    (can you tell swimming lessons is a bee in my bonnet?)

  9. #39
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    yes one of the funds we looked into provided money back for swimming lessons for children the catch was that they had to be diagnosed with asthma to get it back though. It also provided money back on cancer coucil products. we ended up going with medibank though
    Last edited by millsmum; 13-05-2011 at 12:33.

  10. #40
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    I LOVE my PHI
    It is expensive but in saying that I have used over $35k worth of benefits so will need to be in it for many years to match my contributions to theirs.

    I see it as people insurance but unlike my car insurance I get something back when doing maintenance or if something goes wrong and breaks. The annual premium is not much difference.

    PS, My alter ego.... I think your sisters a legend!!!


 
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