So df and I have been ttc for about 8 months and I wanted to get some advice on weather or not we should look at getting private health insurance through bupa ? I know there is a 12 month wait for pregnancy and delivery but it may take us that long or we may be looking at ivf at that stage which would save us alot of money after having seen the specialist not long ago I could see how much the difference was if we had private health insurance. Also I'm thinking about when the baby is born and what if it has to go to intensive care or if I need an ambulance we don't have much spare money lying around. So my question is and coming from people who r experiencing this at the moment or have experienced this is it worth it ? Your opinions would be greatly appreciated
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26-07-2013 15:03 #1
Private health insurance is it worth it?
26-07-2013 15:08 #2
I wouldn't be without it even though it is a struggle to afford it. After nearly losing my life back a few years ago and having to battle to get any treatment as a public patient. Plus my ex FIL was being sent home with extreme abdominal pain, when he said he had private cover he was kept in overnight and was in surgery the next morning. He had a life threatening appendix and wouldn't have made it back to the hospital had he gone home. I don't want my child waiting for months to see a specialist when with private cover we can get in within a week. Though it is not right or fair, public patients are at risk compared to private.
26-07-2013 15:12 #3Senior Member
- Join Date
- Mar 2013
I don't know enough about private health for Australians to say much that is likely to be useful to you, but I can tell you that my comprehensive health insurance for overseas visitors more than pays for itself during pregnancy. I am finally getting back all the money that I dumped into insurance over the last 4 years.
26-07-2013 15:15 #4
Also think about what excess they have...different policies have different conditions...are you willing to pay $500 excess? Co-payments?
Phi is definitely a good idea in terms of children imo but you'll need to get them included in your policy once you're about 8 months pregnant.
Does Bupa have ambulance insurance? I bought mine separately.
Not sure if any of that helps. Good luck TTC!
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26-07-2013 15:15 #5
26-07-2013 15:18 #6
PHI doesn't really cover much for IVF. You claim it back through Medicare to get a percentage back.
As for pregnancy. It all depends if you want to see a private obstetrician and birth at a private hospital. If you don't-I wouldn't worry about PHI. If you do, you will still be out of pocket for your regular visits to the ob & the pregnancy management fee (which varies doctor to doctor) plus scans. You will again get some back from Medicare. The hospital stay you may pay an excess for (if you have it in your policy to lower premiums) and then you will get bills from paediatrician that checks bub after birth and anaesthetist (if you have an epi for pain relief or need a c section). You may only have to pay a gap for these which is the amount PHI doesn't cover. If your baby ends up in special care then there would be additional bills for this.
If you are over the Medicare safety net then you will get more back from them too.
I just had my 2nd baby in May at a private hospital. I paid about $90 for each appt at the obstetrician, $1900 for the pregnancy management fee, a $500 excess for the hospital & about $400 in paediatrician fees. Got quite a bit back from Medicare as I am over safety net,
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26-07-2013 15:29 #7
26-07-2013 15:29 #8-
- Join Date
- Sep 2012
I had a child last year publicly that was unfortunately still born (not anyone's fault) and I am incredibly satisfied with the care I received from when we found out she had passed through all the specialists appts afterwards. But I do feel a bit let down with my antenatal care.
I am pregnant now and going private, mostly for continuity of care, I need my hand held this whole pregnancy and wanted an OB I could trust, got to know, had patience and understanding for my situation, etc. For me, already (11 weeks pregnant) I can see the difference in care. I have an OB and his midwife that I can easily contact with any fears and they will do a scan with no problems to reassure me all is still ok. When I went public with my last pregnancy I kind of felt out on my own until closer to 20 weeks when the hospital starts to see you. And then there was no continuity of care, I saw different people at my visits, which means different opinions.
We are with Bupa and have ambulance cover, fairly certain it covers our initial ambulance ride but not if we need to be transferred.
I think there are a couple companies that go by your due date, so as long as your due date falls after your 12 month waiting period you will be covered even if baby comes a little early. But Bupa is very strict, baby has to arrive after the waiting period. If baby is premature you'd most likely be sent to a public hospital like Royal Women's so it wouldn't matter about your private health cover.
ETA: OB fees that we are out pocket was $270 for first visit and $3700 management fee. All other visits are bulk billed. I've already been in four times!
Last edited by Kirst33; 26-07-2013 at 15:36.
26-07-2013 15:32 #9
I haven't even looked at any other health insurance places so maybe I should shop around first
26-07-2013 15:32 #10
My private health cover covered all hospitalisation for procedures in the private hospital required for IVF.
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