Depends on what. I recently joined medibank, dental eg has 2 months, some have 6 months, some 12.
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01-06-2012 20:38 #11
01-06-2012 21:12 #12
We are on top cover with NIB, really good rebates, only $500 excess for hospital in a calendar year... And AWESOME rebates for alternative medicine like acupuncture and chiro!
01-06-2012 21:24 #13
Pretty sure Latrobe is a 9 month waiting period, that's why I chose them
01-06-2012 21:32 #14
01-06-2012 22:10 #15
Was with nib but changed early last year when they changed the covers for ivf related. At that time medibank seemed to be the best but I haven't looked again since then.
01-06-2012 22:26 #16
07-06-2012 10:48 #17Senior Member
- Join Date
- Nov 2011
does anyone know if age is considered a pre-existing medical condition for IVF?!!
07-06-2012 10:58 #18
IVF is considered a 12month wait for all funds, regardless of the age of the person undergoing treatment or reason.
Pregnancy is 12months with most funds but 9mths with latrobe.
Non-preexisting and non pregnancy/IVF conditions in hosp are usually 2 months (might be where the confusion came in above).
07-06-2012 11:17 #19
As for what will actually be covered...
well PHI only becomes involved in services that are performed in hospital. This is traditionally egg collection and insemination.
All outpatient (Visits with the specialist, getting medication right, scans etc) are claimed through medicare ONLY.
The exciting thing is that outpatient services come under the medicare safetynet, and if you're on the PPS you have a reduced threshold. This means that where you normally claim 85% of the schedule fee for outpatient services, you get to also claim an aditional 80% of the out of pocket (what is charged above the schedule) once you reach the threshold.
To be honest, if you are ONLY wanting the insurance for IVF, you're not worried about PHI for the birth, or for age loading reasons, than I'd get hospital quotes from your clinic and compare the cost of self funded vs PHI.
If you're aproaching 31 or over 31 and might like PHI later on, you may as well do it now, that way you can lock in your loading or avoid it with your PHI.
Alternatively if you're a high income earner it'll give you the added benefit of exemption of the medicare levy surcharge.
07-06-2012 11:49 #20Senior Member
- Join Date
- Nov 2011
I am 39, single mum on limited income. But medibank told me that as long as I have no pre-exisiting medical conditions then I would only have to wait 2 months to benefit from PHI (thorugh them) if I went down the IVF path. They also said to check that age was not considered a pre-existing medical condition. My fertility specialist yesterday said that he doesn't decide that, PHI would have to, so now I confused! Each told me to check with the other!
From what I have been told when having IVF the bed in hospital, anaesthetist etc is costly so would need PHI.
My specialist is hopeful for IUI but I want to consider everything in case that doesn't work. I haven't heard many successful stories with IUI. I will be going for that AMH blood test very soon so if the result is bad then I will have to wait 12 months on medibank for I am guessing that will be a pre-exisiting medical condition then. HOWEVER, if I join up now why I don't have any pre-exisiting condition (known ones) then I would only have to wait 2 months, and if a medical condition presents itself after I have joined then apparently I am still covered. Does this make sense??
But my problem is, the $55 a fortnight I would be paying for PHI could be going towards IUI so I am unsure what is the best avenue to take for I have very limited savings.
Sorry if I have confused anyone!!!
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