Does anyone know their way around all the confusion that is deciding how to have your baby?
I have a couple of medical issues that need monitoring, so I am considering either private care or being a private patient in a public hospital.
I have spoken with my health insurance company and read all the info on their website and am more confused than ever about the 'POSSIBLE" fees.
Who do I talk to about this...GP, Hospital, ObGyn or midwife???
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17-09-2015 20:59 #1Junior Member
- Join Date
- Aug 2015
Private or Private in Public hospital???
17-09-2015 21:23 #2
Different obstetricians charge different fees. I know it can be more expensive in Sydney/Melbourne. You need to call some obstetricians that operate at the private hospital and ask for their fee schedule.
You will likely have consultation fees, some of which is covered by Medicare. You will prob be around $50 out of pocket each visit. There may be scan fees depending on where you choose to have your scans. The biggest fee will be the pregnancy management fee (which is not covered by private health) and likely in the vicinity of 2-3K, usually paid around 20 weeks.
The birth itself you won't be charged by the obstetrician (this is where your private health comes in). You may need to pay excess to the hospital depending on your excess level with PHI. Usually $250-$1000.
There may be additional fees such as anethetist, birth assistant (for c-section) etc but these are just 'maybes'.
Public - it's all free.
There are lots of reasons people chose to go private (despite costs), ie if you want your own personal obstetrician managing your pregnancy (as apposed to seeing a different midwife every week at a public). This can be really helpful if you have a high risk pregnancy and want that extra piece of mind. That said, plenty of women with high risk pregnancies go public - and may even get special treatment.
17-09-2015 22:25 #3Senior Member
- Join Date
- Apr 2013
Our decision is easy. We are not in the catchment of two good public hospitals in WA. I gut told me that I would be a high risk and would automatically get me in one of them but that would be at later stage when one has to commit to priv OB by then (20w fee). I have been seeing this OB since day 1 and decided to stay after 20w. I am happy with the care. I guess if I would have gone public, I won't have gotten so many appointments and scans. Public might be better for me for 2nd bub once I know what to expect.
18-09-2015 02:41 #4
Only you can decide but I would say you need to book in private NOW even if you change your mind. My oby books at by 7 weeks.
Take a look at the private hospitals you're interested in and the doctors there. In this modern world most are online for you to research
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18-09-2015 05:20 #5
Call around and see what the fees are for the OBs you're interested in. Mine (in Syd) cost about $2.5-3k management fee (with about $480 back from Medicare). Regular visits throughout the pregnancy didn't cost anything with my OB but some do charge for appointments. Private insurance paid for the hospital stay, I just paid the excess. I had an epidural so was out of pocket a couple of hundred for that. I only had 2 scans (NT scan and the morphology scan) but I went to one of the more expensive places as they have a good reputation. So basically I think I was about $3.5k out of pocket for everything (rough estimate).
Keep in mind the costs are spread across the whole pregnancy and most OBs will give you a few options as far as payment.
Ultimately you need to decide what type of care suits you. Some public hospitals are fantastic and if you get in early enough the midwife caseload programs can be a great option.
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18-09-2015 06:54 #6
We only have one hospital where I live in WA.
I went private in the public hospital.
All it really got me was a private room and the paper everyday....
Didn't have to pay anything!
I will go that way next time as well, I like to shower and go loo without anyone watching lol
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18-09-2015 09:27 #7
18-09-2015 11:02 #8
Different if your living in a city and going to the royal women's, Monash, mater etc. which all have the very best of best.
18-09-2015 15:00 #9
18-09-2015 15:55 #10Senior Member
- Join Date
- Apr 2015
- Northern Beaches
Really encouraged by this post - am high risk twins and am choosing public over private. I've been told when it's super serious(which thankfully so few need), publics have the high dependency nicus
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