I have top/full cover with HCF for pregnancy/birth so if I decide to go private for my pregnancy do I still have many fees to pay? am curious as I hear different things and am now wondering if PHI is worth it. I wanted to go private as wasn't happy with the public hospital here 10 years ago when I had my daughter but being a single Mum I do not want to be out of pocket by too much either. Maybe I am dumb but I thought if you were fully covered then your out of cost fees were minimal to nothing, except maybe the excess ... isn't that why we take out PHI for pregnancy? Or have I been throwing money away for nothing?!!
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22-06-2013 12:11 #1Senior Member
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- Nov 2011
Private or public for pregnancy and birth?
22-06-2013 12:14 #2
Going private you'll be paying for everything except the birth & hospital stay - your private health pays that.
So costs include
And your OB 20wk management fee
Plus usually a paediatrician fee for the peas to visit & check ur bub after birth
22-06-2013 12:29 #3
We're on the same cover with HCF and going private. You have to have an OB if going private, so you pay the OB fees ($3.5k for ours) plus costs of scans, some blood work etc. The birth component is all claimed through PHI as pp said.
You do get a (very) small amount of money back through medicare though.
22-06-2013 13:09 #4
We had to make this choice for this pregnancy as well. I went public for our first as we couldn't afford private and I didn't have a problem. This time round though I needed specialist for a few medical problems and turns out that if I went public I would get the same specialist for free. We ended up going public because I wasn't willing to pay upwards of $3000 for a single room for 3 days.....I would rather DH have an extra week or two off work when baby is born. I haven't had a problem with public so I just don't see the point in private cover when at the end of the day you get the same treatment......
22-06-2013 13:15 #5
It also depends on the type of birth you want, generally speaking private hospitals have higher rates of intervention and higher c/s rates. If you are very keen on natural birth, public can be better.
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22-06-2013 13:27 #6
22-06-2013 13:35 #7
22-06-2013 13:36 #8
I'm going private this time, what the health insurance doesn't cover victims assist will cover so I'm not sure what the out of pocket expenses are, they bill it to the government.
22-06-2013 13:40 #9
22-06-2013 13:45 #10
I went public for my DD's birth, and will be again
We didn't pay anything during the whole pregnancy, but I did share a room with another woman during my hospital stay. I was there for 10 days, and towards the end of my stay I got the room to myself for a few days.
I'll probably be in for a c section next time, if they have the space they will put me in a single room. If they don't the rooms are doubles, so there isn't too many people to share with anyway
It depends on the hospital, ask for a tour of your hospital, or ask the staff how it all works, and then decide if you'd rather pay for private. Some hospitals have larger shared rooms and you could be in with 3 or more other people.
By acerbaby in forum Pregnancy & Birth General ChatReplies: 5Last Post: 11-01-2013, 08:39
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