No matter how many times I get phi costs explained I can't process it in my head properly. Choosi gave me a quote of $87 per month with CUA. They said I'd get back 65% back of out of pockets costs but the surgeon might charge their additional costs which aren't covered. I don't pay an excess but the most I would pay is $1000 for my stay. And I'd get 65% of what a surgeon would charge. So if a surgeon charged $6000 I'd get back $3900 back. So my total cost out of pocket would be $3100?
Whereas Latrobe Valley health costs me $105 per month and apparently I'd get 100% back over the Medicare threshold and only 500 excess.
I'm so confused
Medibank wasn't cheaper
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Results 81 to 90 of 114
07-04-2014 11:06 #81
07-04-2014 19:04 #82
It's all confusing. But it depends on what the surgeon charges. Phi and Medicare all have amounts of what surgeons "should" charge but then the majority of surgeons charge WAY over that amount
Try getting the items numbers from the dr and check with the phi company.
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07-04-2014 19:14 #83
Would a surgeon even give that info if I haven't seen them yet?
07-04-2014 19:22 #84
The Following User Says Thank You to LoveLivesHere For This Useful Post:
07-04-2014 21:32 #85
If you are interested pm me and I'm a member of a secret Facebook group which is by invitation only. It's for people who have or are thinking about the gastric sleeve in Australia.
Everyone is very helpful and because it's Australia wide you're guaranteed that someone has had experience with the surgeon you're considering.
08-04-2014 07:58 #86
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08-04-2014 17:11 #87
Usually, you won't get much back on your surgeon's fee. That's where most of your out-of-pocket costs will be if you get PHI. Hospital stay is costly, but that's what the PHI SHOULD be covering if you've got the right level of cover. It should also cover SOME of the anesthetists fee, but there'll be a gap.
21-04-2014 14:39 #88Junior Member
- Join Date
- Dec 2012
25-04-2014 09:09 #89
Hi Kate. I tried to send you a message but I'm unable to.
The group that I'm a member of you need to be invited by a member. If you are happy to give me your email address I can pass it on to the admins of the group.
I am also happy to answer any questions. I had my surgery August last year and it was the best decision I've ever made.
11-06-2014 22:55 #90
Hi girls I'm looking at having surgery I've booked in app with obesity clinic in Adel. I just can't decide what way to go. Sleeve or band. How do I make the decision?
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