That still only comes to a bit over $9000 for two years, nowhere near as bad as the $14,000 you originally suggested. But yes, the cost can vary wildly!
For me, having a specialist Ob was important, which is why I had the private cover. I wouldn't be disappointed about seeing a registrar or resident if I was sick, but when it comes to surgery (or the possibility of surgery, not that I ended up having a c-section) if I can, I will choose a consultant every time. And having PHI gives me that option.
And this is what it all comes down to, when deciding whether to take out PHI. What suits everyone individually. Like I said, I wouldn't be without it. Others are happy without it, that is what suits them
Sorry OP for derailing your thread!!
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27-11-2012 07:51 #21
27-11-2012 07:58 #22
Private health insurance... is it worth it? Who with?
I didn't think it was worth it for us, personally. I also got very high cost quotes when we were looking for PHI. I spoke to a few friends who went private and they said it really isn't worth it. So we decided just to stick to our extras pack, which we might actually get rid of soon too.
Like a PP said, the docs in private aren't specially trained and I'm sure you can encounter not so good ones. The only thing was I would have liked my own room and DH being able to stay, but we don't think it's worth the extra PHI and out of pocket expenses. I'd rather spend the money on bubs.
I guess you have to weigh up what's more important
27-11-2012 08:00 #23Senior Member
- Join Date
- Aug 2012
Our PHI costs $316/mth (so just under $4000 per year, which is not even half the pp mentioning $20k for 2 years) and is family cover, with a hospital excess of $500 and cover for everything except what I call 'old people's stuff' and 85% extras (which means I get 85% of my extras costs back).
I wouldn't be without it. My chiro appts are costing me $4.60 and they are essential to me coping with SPD. My DH has horrible teeth so is always as the dentist and our cover has NO annual limit for general dental.
My OBs management fee is $1600 and I should get about $400 back from medicare. My midwife visits costs $65 and I get $25 back, a visit with the OB is $125 and I get $45 back (that's all from medicare). So I all up for OB and midwife I'll be out of pocket about $2000. Plus my PHI fees.
Now also differing, with my PHI (Medibank) the waiting period isn't for when you fall, it's for when the cover is required. So it was explained to me, that as long as I had been in the insurance cover for 12 months when my baby WAS BORN I was covered, so to be safe (early birth etc) you would not want to conceive within say 6 months, but you didn't have to wait 12 months and then start trying to conceive (however this was no issue to us as we have had PHI for years and wouldn't be any other way).
Good luck..... choosing and just FYI the public hospital is great in our area for low risk standard births, the care is second to none and I know plenty that have had awesome care. Their NICU is also pretty awesome, where it falls down is the care during a high risk pregnancy and there is no privacy and food is pretty ordinary, we are big baby boomers here so it's always busy in there. This was enough for me to make use of the PHI and go private there are other things I will be wary of going pvt though, for example, the higher likelihood they will try and send me for an emergency c faster than they would at the base (based on statistics).
27-11-2012 08:09 #24
Of course if you wish to have an elective C-section for a non medical reason you will only have this option with PHI, as the public system considers the risk of major surgery a greater concern than the womans desire for a section without a proper medical reason. A private OB is only too happy to oblige as its extra $$ for them.
I agree its a personal choice - but my point is that it really isn't needed and if you calculate the total amounts you may spend of PHI insurance over a number of years... its money that doesn't NEED to be spent and for most families I am certain they could find better ways to use this money - its a want/desire/luxury expense.
27-11-2012 08:48 #25
Private health insurance... is it worth it? Who with?
Many in this thread have already explained that it is most certainly a NEED for them and their family. I don't think your factoring in the cost of health it has on your body, mental state in some cases whilst you wait out ridiculously long waiting periods.
My daughter was thought to have cystic fibrosis only 18 months ago. She was vomiting daily and had also sorts of lung, nasal problems etc. it was a 4 month wait alone to see a paediatrician and without having seen them tests couldn't begin. I know this because my dr put me through the wrong section. I worked it out and got into our private pead within 2 weeks and the tests started. If we went public we would have had to wait for each appointment, each test etc and quite frankly when your child is so I'll it's the last thing you need.
She doesn't have cystic fibrosis thankfully but did need surgery again she would have waited with the many other children in her situation far to long and her quality of life would have been poor far to long. Her poor speech could have become a further issue the longer we waited. So to be able to call up and book with a very experienced well respected surgeon a month before her op was what I call worth it. We got brilliant care at the hospital and at all times we were able to get assistance with bleeds etc and didn't have to wait.
Another example of waiting periods. Next door neighbour had a hernia and had to wait 9 months to have it removed all the while making her life uncomfortable (walking, getting up, working etc) my dad found out he has a hernia and the operation (being private) was booked for the next month.
Something else to think about. When I was a child I had a very serious wrist break. Because of where we were I had to go public they "fixed the wrist" but it was so poorly done I would have been left with problems my whole life. We would not have been entitled to get it fixed again as it was fixed but not iykwim? So private was the option and unfortunately that took 4 more turns at getting it right but it was done right and I have had full use of my arm again.
So for us and MANY other families PHI is a "need" you are paying for quality of life, peace of mind, Choice of specialist (which in some cases does mater - why go with one when you know there is someone more experienced etc), your paying for the option to have a say on what you want for your health and how you want it done. The waiting periods are honestly not worth dealing with when you NEED even the simplest things in order to have quality of life.
What is a luxury is staying in a private room, elective inducement etc, better food. But really that's a very minor reason why do many choose PHI. It's not so much for those reasons it's mostly for the reasons above.
And then you get your extras. Say you have a mental health issue the government only gives you a rebate for so many appointments a year (which isn't a lot) and isnt particularly easy to gain (you have to meet strict criteria) and with PHI it pays a good part of the appointment so again you are getting quality of life by being able to seek professional help with ought having to pay so much out.
With dental again huge waiting periods and mostly do extractions on molars will do root canal on anteriors (for cosmetic reasons) as emergencies but generally things like fillings etc have a long waiting period which in turn can cost the well being of your tooth.
Glasses, physio, etc are all for quality of life and health. I don't see health as a want but more as a need.
Anyway this post is long enough. I just think its important to see PHI isn't a desire/want/luxury to many infact its a must that's no different to life insurance when you have children and a mortgage or other important insurances.
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27-11-2012 09:10 #26
On the other end of the spectrum you have families like mine who have had excellent experiences with the public system and definitely don't have a need for PHI.
I am 32 and DH 36. We have a 16 month old son. During the course of my life I have had surgery to repair my broken ankly - totally free and done straight away. No complications and I have full use again. I dont have glasses, I have needed no major dental except for 1 filling, I saw a lovely midwife and OB in the public hospital and birthed my baby (needing assistance by and OB for vac deliver) My DS need pead attention due to him crashing during the delivery and was seen by the top pead on the Sunshine Coast. I had great after care in hospital with unlimited access to lactation consultants, peads, midwives etc. Couldn't complain about a single thing. Did not pay a single cent.
When my DS was a couple of months old my DH detected a small murmur in his heartbeat. We go in to see again the top pead in the Sunshine Coast within a week for a full check. He was wonderful and thankfully no issue with the murmur - it will go away on its own.
I have never paid a single cent for any bloodtest, scan, re-hab physio for my ankle. My DH has been similarly healthy and never paid for anything.
As said - its a personal choice. If you need surgery in the public system you are assessed by a specialist and it is then decided on how serious/urgent you need care. But basically - if you need it, you will get it.
27-11-2012 09:45 #27
A few years ago my brother was hit by a car (walking on side of road). He was very seriously injured (dead on the scene) and was in a coma for months. He had bleeds in his brain, a broken back, and was in ICU for 3 months, High Dependency for 5 months and all up in hospital for a year and then another 6 months in the brain rehabilitation unit. He also needed ongoing physio, speech therapy amongst many other things as he has permanent brain damage. He received MAJOR care for years and not a single cent was paid by my family. the level of care was outstanding. In fact you can only get this level of care in the public system.
27-11-2012 09:45 #28Senior Member
- Join Date
- Oct 2012
wow. prices can vary ALOT!
We signed up to Bupa in October this year (so literally a few weeks ago) and we were put onto Corporate cover (because I use sunsuper... which is quite common with other people hence its not an individual price) and for a couple "planning to have a baby" we were paying $247 a month. Certainly not $150 a fortnight.
I then looked into the costs and I would be up for an extra $50 a month for 12 months as my standard "non preg" cover is $197 a month. So $600 extra in premiums for the 12 month wait. My ob booking fee was $1900 and an excess of $500 for birth. Thats 3 grand then plus scans etc. Its certainly not 6 grand!
I got preg straight away. Hence I had to drop our cover back to $197 a month and go public. I am going shared care between nambour public and my gp. My dating scan is bulk billed as is everything else for me so far. Most people even have to pay for their dating scan as its not a routine / medicare must have scan. My dating scan was classed as a routine obstetric scan.
Health funds differ. ALOT.
Its also not quite true that the public health system WILL give you care if you require it. Theres a dam long waiting list for tests that are quite urgert. The only time Triage / Public hospitals will see you immediately and treat you is when you rock up to the Emergency section / Triage and are then put into a waiting line pending your urgency.
As I said previously. I had a possible blocked bowel. An issue that left untreated can be fatal within weeks. I rocked up to Triage. Given some lube, a rubber glove, an enema and left to go to the toilet. Nothing happened. Triage then advised I would go to my GP and get a referal for a scan. That wait was for 14 months. Triage SAW I couldnt pass this "blockage" ... they should have scanned me immediately. 14 months later I could have been dead.
We are a young couple and extras has been a dream to us. Extras only for me was $550 a year. But, In that year I can have $220 optical, $500 dental, 10 visits to physio etc. Much more than the premiums! It actually was saving me money. But - I do need glasses, dental, physio etc.
IF you will use the cover. Then its certainly a benefit.
Also. My grandad recently died (september this year). My grandparents have top hospital cover at $450 a month. Yes. That sounds like alot of money.... But they have only been paying it for the last 2.5 years. So its full of the surcharges for their age aswell (Capped at 10%). My gran recently got the ONE months bill from the Wesley hospital at Auchenflower. $27 THOUSAND just for one month of his treatment. All for their $450 out of pocket expense.
100% worth it to those whom require it. My grandad didnt forecast him dying and needing $27K of treatment per month.
Its the same deal as having house and contents insurance, car insurance. You hope and pray you dont need it but if you do. It pays up and becomes worth it! People get sick quite often compared to a house being burnt down.
Ive been admitted to hospital 3 times for day surgeries (wisdom teeth etc) in the last 7 yrs. Ive had my car that long and never have had an accident. Health is important. The way Australia is going, The public system is certainly drying up.
Last edited by MrsR2012; 27-11-2012 at 09:54.
27-11-2012 09:46 #29Senior Member
- Join Date
- Feb 2010
[QUOTE=Mumsical;6929082]The $14000 was before the 30 rebate was applied. If you have a C-section you will ALWAYS have the consultant. A junior doctor does not do surgeries on their own. The same applies in a public hospital with vaginal deliveries - if you need an assisted delivery this will be done by the consultant, not by a midwife or resident etc.
In every public hospital I have worked the consultant does not ALWAYS do CS or vaginal deliveries. Just like every other specialty the Registrar does perform surgeries with out a consultant. So yes as a public pt you may end up not ever seeing a consultant. Appendix, hernias, knee replacements, fractures - a registrar can and does perform without a consultant.
We have a fabulous health system here in Aust, but it is still not perfect. If you are in an accident, yes you will looked after free of charge and often see a consultant. If you are an elderly public pt requiring a hip or knee replacement you will have at least a 12 month wait. During this time you can expect deterioration, often then family have to step in and assist in care. it all costs time and money. Our system needs to be used for those who are in need and cant afford it.
I have been in PHI since birth and would not live with out it. My 3 kids are also on it. In the last 2 1/2 years my kids have required 5 surgeries, 2 ambulance transfers (which you have to pay for even in an emergency at $700). I am not leaving my kids screaming in pain whilst waiting on a public lists.
If you think you dont need, your lucky, but I never thought that my last bub would be a sick child either and require so much medical attention. PHI is absolutely worth every dollar - in my opnion. I never thought my daughter would suddenly develop epilepsy either. We only got an MRI done so quickly because we had PHI - the public list wait is generally 3 months. What if she had a brain tumour not epilepsy??? waiting 3 months for an MRI is just crazy - not to mention the mental anguish during that wait. Theres a lot of ladies here on BH who hate the TWW - imagine waiting 3 months to find out if your child has a brain tumour causing the seizures?
Anyway to each their own - I would not live with out it, just like most insure their cars, houses etc. This is your life and your childrens lives.
27-11-2012 10:13 #30
Private health insurance... is it worth it? Who with?
I have never used phi for pregnancy and birth. It is a waste imo. I actually cancelled my cover, then joined again as my husband has back pain. He will eventually need surgery. He was in extreme pain which has been managed with injections. It took him long enough to wait for an appointment with a private doctor. The public system is overloaded. It is great for emergencies, but you could be in serious pain and have to wait months because it's "elective" surgery. Plus, you can choose your own doctor with phi, but if you go public, you don't have that luxury.
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