I realise this is very general but wondering if I can get some advice..
In approx 6 months will be trying tO conceive.
Have upgraded my health insurance (made the decision to go private as being treated for Endometreosis). Have had my immunisations checked- still need to have a MMR immunisations done. Have started a 'baby kitty'- saving what I can!
I'm fairly cluey about pre-conception diet and excercise and supplementary requirements, etc.
My issue is... WHAT NOW? I know there are a million other things I can be pre-planning (I'm a huge believer in planning and lists!) but can't think of anything else! All information would be much appreciated! I'm also concerned about how much I should be saving.. How much did everyone else save before TTC and during pregnancy?
As much information as possible would be fab -just don't know where to go from here!
Thanks in advance xx
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16-06-2012 23:22 #1Junior Member
- Join Date
- Sep 2011
16-06-2012 23:28 #2
I wish I had started charting and had gone off the pill before starting TTC.
I started saving money when we started TTC hoping to save $2000 and get just basics.
We ended up taking much longer to fall preg so now will have $5000 saved by the time we are 12weeks so I have decided I will get the things I really want and use the rest of the money in the first few months.
Good luck, I was so excited to start TTC but got very down very quick when it didn't happen straight away.
16-06-2012 23:51 #3
If you planning on private...
You need to talk to your provider and find out how long till your covered for obstetrics (I think usually they make you wait a year till you fall pregnant to be eligible for obstetrics).
And then find out about how much it would be to have your baby and the doctors care. Each doctor has their set price.
For me with top cover it worked out to be a minimum 4thousand dollars if everything goes as planned.
150 per doctor appointment, 1500 booking in fee at 25weeks, another 1000 for the anesthesiologist you need to pay/hire before the birth. And then pretty sure you pay for scans and blood tests.
You should get Medicare to pay you back a small percentage after each time but not alot.
I've been told that even though it's a high amount, to go private without being eligible for private cover it could cost about 12thousand so cover is worth it.
Then see how much it is to stay in hospital.
And if your after a private doula/midwife I think that's another extra.
Personally, no way can I afford that so I'm going public. They're really good and prepared for anything, only downside is That I don't necessarily see the same Ob/midwife and have to share a recovery room.
Umm also work out what would happen if there's a problem with bubs. I know some private hospitals send you/baby to public hospitals if there's complications as they're not equip. Another reason why I chose my current public hospital.
Umm.. The 12week nuchal scan is $120 without a healthcare card (I think).
I think it's 160 for a gender scan (Optional)
Then you have your vitamins. So.. Elevit which is usually recommended is about $40 for 60tablets. I think. Excuse the preg brain If im a few dollars off.
17-06-2012 00:01 #4
Maybe look into the breast feeding association. I've been told they're worth it to join and very supportive and have pre-labour breastfeeding classes.
Look at the pregnancy support and exercise groups close to you.
Work out how much you want to spend on prams/car seats/cots/nursery furniture.
If you need to move house before baby is born.
Whether your work has paid parental leave etc.
Check out the expos. They're running around this time, i know there's one near me in 2weeks. They're for ttc, pregnancy, parents with babies and children.
17-06-2012 03:23 #5Senior Member
- Join Date
- Mar 2011
I was exactly the same and was planning and researching a year before TTC.
All PP are great. I would also recommend creating a budget for when you have a baby on what income you'll be earning that time. You could even try living off that income alone now so you get used to it and then save the rest for the baby expenses.
I would also do some research on what you are keen on doing. Eg are you going to use cloth or disposable nappies, bottle or breast, child care, what type of birth you want, any prenatal classes you want to do, pregnancy exercise etc. I did the Australian breastfeeding association class which was extremely helpful, pregnancy Pilates, hospital antenatal and calm birth class. It really depends on your preference. I found that from sound a lot of research and having the knowledge I was more in control of my birth and time in hospital.
As you want to go private definitely research which hospital you want to go to and which OB you want then find out all the costs. There are a lot of fees involved in private. You have your OB management fee, appointment fees, scans, excess, partner rooming costs if they stay overnight (that was at my hospital), paed fees, in hospital tests for baby, anaesthetist fees if getting any drugs, parking possibly. And also find out what you can claim back from Medicare and private health.
Not sure what contraception your on at the moment but I would recommend getting off it if it's the pill or anything and as per PP start charting to at least know how your cycle works.
I also found that by stalking bubhub and other forums I learnt a lot and discovered things I never thought of before. And feeling that what I was going through was normal as other people were posting about exactly what I was going through and feeling.
Now my DS is 9 weeks old, I wish I did more research into actual child caring. I thought I knew a lot, and I do, but after late night research have I found a lot more information I wish I knew at the start about baby sleep patterns etc.
That's all I can think of right now. Good luck with all the planning and TTC journey.
17-06-2012 04:54 #6
Congrats op, on making this decision. I hope your TTC journey is an easy one!
Wow, ahpez, that's full on. My private babies were nothing like that..
My advise op, is to call the private hospital you want to birth at. They should have a list of obstetricians who deliver there. figure this out now, and as soon as you get pregnant, call the OB and book in. They can book out pretty fast.
I agree, Do some research regarding who you want to be your OB! Think about things like some obstetricians team weekends etc, so they will share the load over weekends. so if it's really important to you that the obstetrician you get to know will actually deliver your baby, then make sure you ask that.
I also agree, Do call your private health fund, check what the waiting period is. mine was three months but they are very individual.
We were IVF, and our fertility specialist said any of the commercially available vitamins are good. We also supplemented with Folate on his advice and he recomended starting that well before trying to conceive. Its good to have the folate in you system from day dot.
My obstetric appointments were $80 per visit, I went monthly until 28 weeks, then fortnightly until 36, weekly after. Medicare rebated $39.?? (until you hit your safety net, then it's 80% that you get back, that's pretty good) at 20 weeks, I paid a pregnancy management fee, mine was $2200, this is the only fee you don't get loads back from Medicare on. So check how much it is when you are deciding on an Obs because they do all set their own rates. I got about $450 back. I did pay for scans, however these are also rebated by Medicare, Ideally I would have 12 week nuchal, 19 week morphology and one third trimester scan. The first two can identify important things you need to know about your baby. I did not pay for any blood tests, they were all bulk billed.
As for delivery, again check with your hospital and obstetrician. But my anaethitist cost me $72 out of pocket (and that was for an emergency cesarean) I did not chose him, nor have to pay it up front. You get who is on duty at the hospital and they bill you later. This was also the case with the paed. My husband (or whoever i wanted) was allowed to stay in my room with me but he had to provide something to sleep on and they didn't feed him.
So essentially, private obstetrics is not as costly as some people would like you to think, however, obviously it does cost money. You are paying for a more personal level of care than you would get in the public system, as unfortunate as that is. I think that's just reality. If that didn't happen, there would be no need for the "private system"
Some of the main advantages I found was that it allowed me to have more say in how my pregnancy was managed. I had complications in my second pregnancy and they were watched very closely, by the Doctor I chose. I could build a rapport with a midwife and an obstetrician who would follow my pregnancy right through, and my obstetrician did deliver my baby. I delivered in a private hospital, where I had a private room and support from midwives for 4 days post delivery, for my first baby, that was heaven sent.
Lastly, remember to enjoy the time you have left without kids. It is so true that you can't possibly understand what it's like to have kids, until you have done it. Make the most of holidays, going out to dinner and doing things that kids make harder.
Adding, also - I agree with busy bee. Learn as much as you can about babies development, growth spurts etc. these can be stressful times so it's essential (I think) to know as much as you can about managing them. also, what you can't claim back from Medicare, you can submit with your tax. At the end of the financial year, Medicare can give you a statement of your costs for that year saying what you were rebated and what your out of pocket was, if your out of pocket is over a certain amount, you can claim some of it back with tax. (not sure what the amount is)
Busy bee- have you read "the wonder weeks"? Fabulous book! Really helpful.
Last edited by Melzey; 17-06-2012 at 06:21.
17-06-2012 05:32 #7Senior Member
- Join Date
- Mar 2011
Melzey - I have now LOL! Also happiest baby is great.
I have read and tried almost everything except CC and have a much better understanding of my baby's needs now and a happier baby YAY!
17-06-2012 06:17 #8
That's another thing to consider OP, what kind of parent you want to be. Baby led? routine? Attachment parenting? For getting bub to sleep, will you practice some kind of passive strategies or controlled crying. I wouldn't recommend trying to make a decision because after you have bub, you might change your mind.. But look at what they different options and strategies are.
Last edited by Melzey; 17-06-2012 at 06:29.
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