Thanks so much in advance for your help.
I've recently conceived through ivf, I'm 5 weeks. I'm very lost regarding upcoming decisions if we could go through the public system or private. I do not have private health insurance for maternity.. I'm with NIB basics but it's a 12 month wait for maternity. We have already paid a crap load of money already in ivf, so really we don't mind spending more. All I know is that we will pay for a great obs and I have one in mind at Mercy, Victoria.
My questions are:
Can I choose a private obs and birth in public?
There is a chance I'm carrying twins (I transferred two embryos), if it's a high risk pregnancy will you receive better care through private?
Do any health funds offer a no or short wait period?
Approx what out of pocket cost would you expect to pay going private without private health insurance?
Thank you soooooo much!!
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26-04-2014 09:17 #1
Public or Private. Please help.
26-04-2014 09:43 #2
You will have to pay thousands and thousands for a private OB with no insurance.
I would go public for sure. The Royal Women's is fantastic and the Children's is right next door.
26-04-2014 10:19 #3
Thanks so much kw! I think we'd be prepared to pay less than $10,000, do you think we'd be up for more than that?
I really don't care for private rooms, food ect all I want is the best chance for a take home Bub, and really don't want to have to go back to ivf where we can spend approx $4000 a go.
If we go private does that mean a better chance of picking up complications and a better chance of a take home bub?? Or are public just as safe? So sorry I'm so lost.
Last edited by BaoLovesLudo; 26-04-2014 at 10:25.
26-04-2014 10:26 #4
I've only gone public so I can't say for sure. But if there are ever real emergencies, at least where I live, mother and/or baby would be transferred to the Royal Women's/Children's which is public of course. Private hospitals don't have the same facilities as public.
I had a private midwife so I still got that continuity of care so perhaps look into that?
26-04-2014 10:29 #5
Thanks so much for your reply. I do like the sound of a private midwife!
26-04-2014 10:30 #6
Most OB's have a gap of around $2500 for a birth, that's with PHI. You can have a private OB in a public hospital, my hospital billed our health fund almost $20k for my last birth.
TBH, even if I had all the money in the world, without PHI I would definitely go public. You will get great care and can pay for a private room if you want.
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26-04-2014 10:37 #7Senior Member
- Join Date
- Feb 2012
- Sydney NSW
I had private obstetric cover for my first 2 (back in the day the private managements fees and so on used to come under the medicare umbrella so I wasn't out of pocket much at all, even though I went fully private form beginning to end). With my third, I had let the obstetric option of my private health insurance lapse, but I still went with my private OB- the management fee doesn't come under medicare anymore, and it isn't covered by private obstetric option anyway, so you'll be out of pocket for that regardless of whether or not you have private OB option. My OB delivers at one wholly private hospital (POWP)- without obst private insurance, this wasn't an option for 3rd bub due to cost- I would have had to pay for bed, private anaethetist etc. BUT, he also delivers at RPA (public hosp) and I paid to go there as a private patient- about $200 a night from memory, and I received no bills for bub who needed special care. So, apart from management fee for private OB, there wasn't much difference. Hope this all makes sense, I can answer more questions if you like
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26-04-2014 10:50 #8Member
- Join Date
- Nov 2012
Be aware that you'd be paying a lot of money if you went private and there were complications. An OR can be $10k on its own. We don't realise how much medical care costs because of Medicare, but it is very expensive. I wouldn't take the risk, why do you think people in the US go bankrupt with medical bills?
Your public care will be just as good as private. They all have the same qualifications, registration and oversight and they are all humans who have to make judgement calls in high pressure situations. With private, you are paying for continuity of care more than anything else.
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26-04-2014 11:13 #9Senior Member
- Join Date
- Mar 2008
Wouldn't the main cost be the hospital?
I don't recall getting any benefit from my private health insurance apart from the entire cost of the private hospital being met.
Any rebates for ob appointments etc came from Medicare and not my PHI.
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26-04-2014 11:21 #10
I went private with my first in 2010 we has phi and the obs management fee was $2000 with the scans, excess and other costs would of ended up costing $3500 we only got back $800. Then there is also the charges for epidural ect. I loved having a choice of ob but apart from that wasn't very happy with the private hospital care.
With dd we went public through gp shared care. I had to pay for the gp appointments then rebated and I chose private scans that cost about $350. They were worried about dds growth come 30weeks along and the hospital were amazing scans and monitoring every two weeks then every second day from 38 weeks. The high level of care pre and postnatal from the public system was with a doubt the best.
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