i have single private health with BUPA (MBF) middle of the road so that the cost of IVF if required was covered. Would love to extend my cover to include my kids but i just cant afford it.
i will use it to be a private patient in a public hospital to have baby #2 as i did with #1. I had 6 admissions with #1 before she was born and each time got a private room which made things easier for me.
Wouldn''t be without it once baby #2 arrives i will assess and adjust the family budget in hopes that i can afford to add my children
+ Reply to Thread
Results 51 to 60 of 68
31-01-2012 17:19 #51Senior Member
- Join Date
- Jun 2010
- Launceston, Tasmania
31-01-2012 20:47 #52
I'm with Bupa too, I kept hitting my limits on my ancillary cover so I switched to their top level, I pay nearly $400 a month but I save $260 a week with all of us going to the chiro (that's after I take out the $400) plus I just got my teeth fixed (2 fillings and 2 cracks/chips fixed and both boys teeth checked and it cost me nothing) I have to have all 4 wisdom teeth removed and it won't cost me anything very happy!
Took the red pill.
01-02-2012 20:57 #53
Currently we are with Latrobe Health, Im not sure we are getting the best benefits... We pay $173p/m for dh and I just for hosp cover (top)
Im looking on Iselect atm to see whats better for us.. but it seems that Bupa is quite popular on here...
For thoses who are with Bupa, and are currently doing IVF advise on what you get back for your cycle? I am interested in the mid range hosp cover.. Advantage I think its called..
01-02-2012 21:19 #54
I think you get better deals calling the company direct. Maybe choose the top three from iselect and then call each one and ask all questions relating to the cover you want. It takes a while but I found the deal cheaper and some are offering the first month free at the moment when you speak directly to the insurer.
01-02-2012 21:28 #55
Agreed. Take I-select with a grain of salt.
Perhaps ask your clinic/specialists if they have a prefered fund.
01-02-2012 21:49 #56
Ah good idea...
I will do that tomorrow... Thanks for the tip!
I did a quick one on my phone last night and it said that frank health (never heard of it) would be good for me yet today it's hcf that's a good match...
01-02-2012 21:51 #57
Also some might seem cheap with the premium but the claim refunds etc might not be much. I've been caught out with that. It's such a headache organizing private cover but if you do the homework it'll pay off. Good luck! Hours on the phone that you'll never get back!!! Haha
The Following User Says Thank You to Tamtam For This Useful Post:
01-02-2012 21:54 #58Senior Member
- Join Date
- Nov 2011
also if IVF is not current selected it will be a pre-existant condition this happened to me
also what I love about phi is you can have insurance for you pets yet you can not insure your child without insuring yourself how does that work
The Following User Says Thank You to ohdear For This Useful Post:
01-02-2012 22:15 #59
Eek! Now you have me worried! We have been with Latrobe for over 2 yrs now had extras but really didn't use them at all so dropped to just top hosp...
I dread sitting on the phone tomorrow but I have to do it! 😳
Only reason I'm looking on iselect is if you change thru them I don't have to serve any waiting periods whatsoever ... But as pp has said I think I'll get a better deal calling direct!
Any particular questions you think I should ask?
01-02-2012 22:23 #60
I would ask...
1. Hospital excess- every time you go? One per year?
2. Waiting periods roll over (they should but ask for confirmation).
3. Ask for examples of refunds with claims you might use... From glasses to fertility. Or chiro/massage etc. the sorts of things you would use because the vary from product to product. Eg my old insurer would only give me back $18 from a $65 visit to dietician. But new one gives almost $30.
4. Some companies have free dental from their provider choice, check if your dentist is on their list, otherwise you'll have to pay or switch dentist.
5. Check for any current deals like first month free.
6. Some allow different premium based on your hospital excess too so you might want to check that.
Perhaps make a list of the five things you want to be covered for etc. this is what I did and I called around. Medibank turned out to be the best for us.
Hope that helps a bit!
By ~ElectricPink~ in forum IVFReplies: 10Last Post: 10-05-2015, 23:34
By stormgirl73 in forum IVFReplies: 41Last Post: 30-06-2012, 20:24
By Nellie01 in forum Pregnancy & Birth General ChatReplies: 4Last Post: 04-02-2012, 11:06
Maternity ClothesLooking to buy maternity clothes? :: Check the bubhub directory of local & online maternity clothes shops :: Find ...
LATESTToilet training: when is the best time to start?Why it is OK for your child to be differentWhat is a blessing way? How is it different to a baby shower?
POPULARWhen can I start giving chores to my children?New baby nursery checklist – a guide to newborn essentialsWhat to pack for labour and hospital – a checklist
FORUMS - chatting now ...
Awesome Mums of Autistic kids-how many of us are there (#3)????????Parents of Children with Special Needs
What is going on!?Conception & Fertility General Chat
IVF babies due Sep/Oct/Nov 2017pregnancy and babies through IVF
Largest bassinets on market?Pregnancy & Birth General Chat
Missed miscarriage... waiting, waiting, waitingPregnancy Loss Support
Chickenpox after being immunised?Pro-Vaccination
April/May TTC group chatConception & Fertility General Chat
any one else get a bfp after laparoscopy?Endometriosis Chat
Same sex parents or parents to be chat!Same Sex Parents