We wouldn't go without it even though its costing us a fortune. I've made use of it plenty of times with private births & endo treatment alone. Here's a few examples... of course one of the top ones is not having to wait on waiting lists..
My baby was also in special care after she was delivered for 8 nights, she had the same paed treat her everyday & he was available for the nurses to discuss her case when he wasn't there. She also had a lumbar puncture at 3 days old and I felt much better knowing he was doing it with the experience he had. They also let me stay until she was discharged so I didn't have to go home without her. I had an emergency csection but I didn't pay for the spinal block and the paeds fees were all bulk billed.
I have pregnancy problems & saw my ob for the 1st time wed, we had a plan, he discussed my situation with another specialist and the very next day they booked me in for a complex surgery which i had the following day (yesterday) I will be out of pocket a fair amount but there is no way I would have had this quick treatment in public.
When I went to the local public hospital for suspected appendicitis I was admitted as a private patient, I was moved to a private room & could choose my own experienced surgeon over a surgeon in training. Fortunately I didn't need the surgery but I felt better knowing it was an option especially if my kids have any problems like this in the future.
Do be prepared though to be out of pocket for some costs, all obs charge differently so call around and see what you would be looking at.
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27-07-2013 05:25 #21Senior Member
- Join Date
- Oct 2010
27-07-2013 05:57 #22
I recently needed to see a specialist due to me collapsing continuously. The waiting list for public.. Well they are not sure if I will get the tests before I give birth in January.. Privately it's straight away.
I wouldn't trade my ph in at all, I'm with hcf and haven't heard the best things about bupa apparently they have a lot of co payments.
27-07-2013 06:14 #23
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27-07-2013 06:15 #24
27-07-2013 06:18 #25
27-07-2013 06:21 #26
I have top cover and would not be without health insurance but have never and would never use it for pregnancy and birth.
27-07-2013 06:23 #27
I wouldn't be without ours. It can seem like a bit of a waste, but then when you need to use it it's amazing! We have top hospital and extras with no excess, figured that if we needed to be going into hospital we didn't need the extra stress of an excess.
I work in a specialist practice and we have patients in our local private hospital, which means we deal a lot with the health funds. I wouldn't recommend bupa as we so often have trouble with them making the patients pay co-payments that they know nothing about. They just don't seem to cover much and will find any little loophole to not pay. Definitely the worst of the bunch!!
27-07-2013 06:24 #28
I had both of mine under the public system and regret it.
We got ph when my youngest was 1 yr old and my eldest 2 yrs. I was suffering severe PND and needed treatment and the best facilities and programs for pnd were at private hospitals. Then we found out my dd needed glasses and ds needed an operation and we realised how valuable ph is and it has been worth its weight in gold in my family. We are with Australian Unity as they have really good mental health cover and are very happy with them.
27-07-2013 06:25 #29
There are plenty of private doctors with huge waiting lists. Having phi doesn't automatically mean you won't have a waiting time. My husband had to see a back specialist. He had to wait 3 months for an appointment. Every time he's needed an appointment, he's had to wait at least a month. Yes, it's much shorter than public if it isn't life threatening, but it's not instant. Also, my son has to go and see a paediatric surgeon and his appointment isn't until 5th August and I booked it over a month ago.
27-07-2013 06:42 #30
Yep private insurance all the way here. .. last year my dh had 3 months worth of in/out of hospital with pneumonia.. started in May.. he really wasnt better until almost late August. The dr was worried about complications . He wasn't improving... she referred him to private specialist. ..the wait was about 3 weeks... the wait for public. .. well we just received the appointment letter last month for gold Coast hospital! A year later. ..
And same for a hernia op. .the dr had him in a week through private. ..he would be still waiting for a public hospital admission!!! That was 8 months ago.
There are out of pocket expenses though. Don't expect it all to be free because you have phi.
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