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  1. #71
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    Quote Originally Posted by Lisau77 View Post
    Does anyone actually realise that if u go to a public hosp and have private cover they bill ur private and pay ur excess? They don't tell u and u get no improved service, still get trainees, wait lists etc....some hosp staff refuse to trick people into signing the forms which reveal the details to allow this to happen.... This is increasing our phi costs and yet most don't know the pub hosp is tapping money from their phi.....
    Yep, I knew. Our local hospital advertise that they will pay any out of pocket expense if you use you PHI. They are the only hospital for 100k and need all the money they can get so I always use it. And I get a special menu, free paper, free TV, free toiletries and a coffee voucher.

  2. #72
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    Quote Originally Posted by Lisau77 View Post
    Does anyone actually realise that if u go to a public hosp and have private cover they bill ur private and pay ur excess? They don't tell u and u get no improved service, still get trainees, wait lists etc....some hosp staff refuse to trick people into signing the forms which reveal the details to allow this to happen.... This is increasing our phi costs and yet most don't know the pub hosp is tapping money from their phi.....
    Haven't read the thread but wanted to reply to this particular post as I find it misleading.

    My son has been a private patient in a public children's hospital a number of times. We were clearly informed and given the option of being private or public every time. It doesn't happen automatically. We chose to be private because we can afford it. I'd rather the public money be spent on those less fortunate than myself, who cannot afford private cover. The burden on public healthcare is more important to me than a risk to my PHI premiums but that's my opinion only, based on my personal situation, and not one I expect everyone else to share. And before anyone says anything, we had to be in the public hospital due to my sons age and condition/s at the time. The private hospitals around us would have transferred us to the public children's.

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  4. #73
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    Quote Originally Posted by Lisau77 View Post
    Does anyone actually realise that if u go to a public hosp and have private cover they bill ur private and pay ur excess? They don't tell u and u get no improved service, still get trainees, wait lists etc....some hosp staff refuse to trick people into signing the forms which reveal the details to allow this to happen.... This is increasing our phi costs and yet most don't know the pub hosp is tapping money from their phi.....
    You have to sign consent and it will show on your statement so you do have a say; plus I don't know many that actually have private and elect to go public anyway

  5. #74
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    I have always had PHI and even now I am a single mum on Parenting Payment will continue to have it.
    We have used the private system countless times over the years...mostly for joint/sport injury related issues. A few yrs ago our PHI paid out over 30k in a single year (this was for major complicated surgery that involved an ICU stay). When you have an issue (such as needing knee surgery ) that incapacitates your ability to work then going private and skipping the massive wait lists is invaluable and career saving.
    I have never had obstetric Cover though and prefer midwife driven births ☺

  6. #75
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    Quote Originally Posted by DJ Nette View Post
    On that level of tax you would be paying the surcharge and would be better of with PHI?

    In any case I still strongly believe that if you can afford it, you should pay it and leave the public system for those that can't (else the whole system will eventually crack).

    PHI doesn't impact visits to the GP, so that's not really an issue.
    Between us both we pay around $35,000 p.a. in income tax. Our family of 4 visits the GP roughly 6 times a year. The amount we pay covers what we use and the rest goes into the public system. I think that is more than fair. There would be no public system without someone paying for it.

  7. #76
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    Quote Originally Posted by Cicho View Post
    Between us both we pay around $35,000 p.a. in income tax. Our family of 4 visits the GP roughly 6 times a year. The amount we pay covers what we use and the rest goes into the public system. I think that is more than fair. There would be no public system without someone paying for it.
    Not sure you understood what she was saying. Because of the levy you may actually be financially better off with PHI.

    PHI doesn't effect GP visits. It's the same for those with/without.

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  9. #77
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    Quote Originally Posted by Lisau77 View Post
    Does anyone actually realise that if u go to a public hosp and have private cover they bill ur private and pay ur excess? They don't tell u and u get no improved service, still get trainees, wait lists etc....some hosp staff refuse to trick people into signing the forms which reveal the details to allow this to happen.... This is increasing our phi costs and yet most don't know the pub hosp is tapping money from their phi.....
    They gave me the option. They said if I went private my surgeon would do the op. If public their surgeon would do the op. My surgeon also had a trainee working with him. All three were in the surgery and I don't recall what I decided, but I remember after it every each surgeon came to see me and talked like they did the op . Apparently all three had a crack at my pancreas.

    I have it. I'm angry about it. I hate the company I'm with. But I'm too scared to let it go. I've tried shopping around thinking in being ripped off but haven't found cheaper so I play along with my insurance company.

    Once during an argument with them they told me they had paid something like $15k out for me. I pointed out I had paid double that to them. They got all huffy and said they get reduced prices at the hospital and if I had paid myself it would have cost more.

    My neighbour was going public for surgery. He's a horse trainer. He arranged someone to take over all the horses for a week while he had it done. The day before it was cancelled. I hear about things like that all the time. People fasting for ages then not being seen to. Taking time off work and making arrangements just to have it fall through. This is why I keep it. Most times I've seen the surgeon and been in hospital the next week.

  10. #78
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    Quote Originally Posted by Lisau77 View Post
    Does anyone actually realise that if u go to a public hosp and have private cover they bill ur private and pay ur excess? They don't tell u and u get no improved service, still get trainees, wait lists etc....some hosp staff refuse to trick people into signing the forms which reveal the details to allow this to happen.... This is increasing our phi costs and yet most don't know the pub hosp is tapping money from their phi.....
    As others have said, you are informed of your options and sign a consent form.

    I have used this option four times and three of those times we were able to choose our own doctor. The fourth my DD needed emergency surgery so we were given the surgeon who was rostered on that day.

    The public hospitals encourage this option because it means it injects funds into the hospital. I was quite stoked that my premmie DD's $100k plus private health claim for her NICU stay meant the NICU had additional funding to save the life of another premmie baby.

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  12. #79
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    Default Who has NO private health insurance?

    I think it depends what stage of life you are at. We needed it for IVF and subsequent high risk pregnancies. I needed a private high risk specialist and was glad I had the phi.

    I think too when you're getting older, you Prob need to consider it if you can. My mother has had top hospital cover for years. She had to have an eye op done a few years ago that was at the time was experimental and it saved her sight, she never even saw a bill and had a top eye surgeon, if she'd had to wait, even a few weeks it would have gotten worse very fast. Same with some other things, she's never had to wait. On the other hand my MIL doesn't have PHI and we've seen her wait months and months for biopsies and things that she really needs for a diagnosis. She has to constantly chase them and they keep bumping her. Another close friends mother has terrible arthritis and needs several ops to have her joints done, she's in terrible pain but it's elective so she's been waiting years.
    Last edited by Clementine Grace; 12-06-2016 at 09:41.

  13. #80
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    I didn't have PHI until i was in my early 20's. I was told time and time again that the public system was great. I had a miscarriage and the treatment I got was just horrible so now I will do my best to never be without it.


 

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