+ Reply to Thread
Page 1 of 4 123 ... LastLast
Results 1 to 10 of 34
  1. #1
    Join Date
    Jan 2014
    Posts
    1,939
    Thanks
    1,330
    Thanked
    599
    Reviews
    0
    Achievements:Topaz Star - 500 posts

    Default Another Private health question

    Hi ladies

    I know the private health discussion has been done to death, but I'm just wanting to find out some specifics.

    I know that PHI only covers you as soon as you are admitted to hospital to deliver bub, but i have heard on some occasions of people still being out of pocket for the birth (hospital stay & related procedures (c-section, epidural etc) for thousands of dollars.

    Is this because the ob who delivered or the anaesthetist may not have been fully covered by their fund?

    How can i avoid being out of pocket once I am admitted to hospital?

  2. #2
    Join Date
    Jun 2015
    Posts
    55
    Thanks
    6
    Thanked
    13
    Reviews
    0
    Hi! I was investigating just that, as I understood it, if your fund says there is no gap, then you shouldn't have out of pocket. I found that bupa has an interesting web (google bupa beginnings), if you are w them, it is very helpful in explaining the possible costs depending on what options you choose. We also called many obs and the receptionists have been very understanding and were able to give us an idea of the costs. Hope this info helps!

  3. #3
    Join Date
    Jan 2014
    Posts
    1,939
    Thanks
    1,330
    Thanked
    599
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    Quote Originally Posted by cecy View Post
    Hi! I was investigating just that, as I understood it, if your fund says there is no gap, then you shouldn't have out of pocket. I found that bupa has an interesting web (google bupa beginnings), if you are w them, it is very helpful in explaining the possible costs depending on what options you choose. We also called many obs and the receptionists have been very understanding and were able to give us an idea of the costs. Hope this info helps!
    Thank you, that helps heaps!

  4. #4
    Join Date
    Jan 2014
    Posts
    1,939
    Thanks
    1,330
    Thanked
    599
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    Quote Originally Posted by cecy View Post
    Hi! I was investigating just that, as I understood it, if your fund says there is no gap, then you shouldn't have out of pocket. I found that bupa has an interesting web (google bupa beginnings), if you are w them, it is very helpful in explaining the possible costs depending on what options you choose. We also called many obs and the receptionists have been very understanding and were able to give us an idea of the costs. Hope this info helps!
    Thank you, that helps heaps!

  5. #5
    Join Date
    Mar 2012
    Location
    Perth
    Posts
    867
    Thanks
    1,010
    Thanked
    617
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    Despite my OB being no gap, we were out of pocket a little over $1000 for the anaesthetist and the pediatrician (had to go with whoever was available on the day, and they didn't happen to be no gap). Using an anaesthetist was my choice (and the epidural was worth every single cent!) but the pediatrician was hospital policy (must be in attendance for a vacuum extraction - although I still would have said yes to that if asked).

    I guess it didn't help that it was a Saturday. You may have more options on a weekday or for a planned procedure. From memory, I may have paid for some pharmaceuticals in hospital, too. And we paid OOP for DH to stay overnight.

    I did at least get lucky that the women's physio in hospital was covered.
    Last edited by Gentoo; 22-06-2015 at 16:49.

  6. #6
    Join Date
    Jul 2009
    Posts
    1,914
    Thanks
    482
    Thanked
    552
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    I was out of pocket $200 for the pediatrician only because it was after hours.
    The anesthetist was covered by my policy and i went to a health fund partner hospital so no expense there (i did have a $250 co payment)

  7. #7
    Join Date
    Jan 2014
    Posts
    1,939
    Thanks
    1,330
    Thanked
    599
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    Thanks ladies 😊

  8. #8
    Join Date
    Jul 2010
    Location
    on a sandy beach!
    Posts
    6,461
    Thanks
    338
    Thanked
    2,224
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 postsAmethyst Star - 5,000 posts
    I had my baby public but I chose to have our baby checked over by our private paed (so this cost us about $800). Because he had to go into NICU and a few other issues.

    Make sure you call your health fund as soon as your baby is born. As when DS was sick we had special procedures done blood tests etc some got sent overseas and some were done through PHI when I first received the bill I almost died! It was about 12k!!!! Lucky it came down to zero!

  9. #9
    Join Date
    Jul 2009
    Posts
    1,914
    Thanks
    482
    Thanked
    552
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    I rang my private health before the birth of dd and they added her into the policy as "baby kezanazz" so she was covered by the phi if she was admitted.
    Dojng this saved us 9k

  10. #10
    Join Date
    Sep 2010
    Posts
    69
    Thanks
    1
    Thanked
    11
    Reviews
    0
    I went private in Melb last year for my second baby and my had the following out of pocket costs from the hospital stay:
    Hosp Excess $500
    Payment for queen bed room ($70/night)
    Anaethetist gap $800 (spinal epidural and then an emergency csec on a Sunday evening)
    Assistant surgeon csec gap $125
    Paediatrician at csec and visits in hospital $200 (was about $900 but had reached safety net for Medicare so got 80% back. Medicare rebates applied for this as patient is the baby not me so not an inpatient)
    Ob gyn was no gap (amen!) but of course had a big management fee pre-labour
    Lots of $ but worth every cent to me I was so well taken care of.


 

Similar Threads

  1. Looking for the best Private Health Cover
    By justinlisa in forum Private Health Insurance Discussion
    Replies: 9
    Last Post: 13-06-2015, 06:36
  2. How much is your private health cover...
    By BigRedV in forum General Chat
    Replies: 7
    Last Post: 30-04-2015, 20:33
  3. Should I get private health??
    By Organic mummy14 in forum General Health
    Replies: 0
    Last Post: 15-09-2014, 07:13

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
FEATURED SUPPORTER
TPS Health Physiotherapy and PilatesTPS Health Physiotherapy and Pilates has three clinics located at Morningside, Redlands and Lutwyche. We offer pre and ...
REVIEWS
"Pigeon teats rule!"
by Alex
Pigeon PP Wide Neck reviews ›
"Wonderful natural Aussie made product!"
by Mrstwr
Baby U Goat Milk Moisturiser reviews ›
"Replaced good quality with cheap tight nappies"
by Kris
Coles Comfy Bots Nappies reviews ›