Health & Family Had insurance still paid out !

Discussion in 'Living Room' started by MyDarlinghurst, 2nd May, 2018.

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  1. MyDarlinghurst

    MyDarlinghurst Well-Known Member

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    every month i am slugged $200 a month by my HCF health insurance

    Last week i needed a tooth out so i pooped along to HCF very own dental centre where the dentist took less than 10 mins to pull my tooth out

    Cost to pay xray $56
    Consultation. $68

    Removal of tooth $258
    All tigether. $

    Here i am paying $200 a month for what ?

    I would of been better calling dentists up offering to pay cash !
     
  2. balwoges

    balwoges Well-Known Member

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    Pays to read your Policy! Better than my experience $2,500 for endodentist to do root canal therapy, $1,600 for a crown - no refund from HCF - but just had a checkup, xray plus fluoride treatment, cost NIL - paid for by HCF :D
     
  3. MyDarlinghurst

    MyDarlinghurst Well-Known Member

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    So u paid $4100 .... probaly would of been better holiday in thailand and getting it done there ! And a free massage thrown in ;)
     
  4. Scott No Mates

    Scott No Mates Well-Known Member

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    Does your health fund policy cover dental/extras or have you only selected hospital cover?
     
  5. balwoges

    balwoges Well-Known Member

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    Let's face it - most dental decay is from not looking after your teeth properly and I accept my own negligence in this matter. My adult children's teeth are much better than mine were at their age and this is probably due to fluoride in the water.
    I suspect the health funds dont pay out on all dental costs because they are self inflicted. HCF allow free checkups, take advantage of it ...
     
  6. MyDarlinghurst

    MyDarlinghurst Well-Known Member

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    Yes top cover for both hospital and extras with HCF
     
  7. hobartchic

    hobartchic Well-Known Member

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    It can be due to genetic diseases which cause malabsorption and cause tooth problems.
     
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  8. Cimbom

    Cimbom Well-Known Member

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    It's because health insurers are in the business of making money, not of looking after your teeth. Personally, I'd rather pay a bit more tax and have a comprehensive public health system rather than lining the pockets of these companies.
     
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  9. MyDarlinghurst

    MyDarlinghurst Well-Known Member

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    Anyone had any teeth work done in Asia ?
     
  10. MyDarlinghurst

    MyDarlinghurst Well-Known Member

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    As you know even if you have the Top top Gold cover in Health Insurance theres always a gap limit

    Im needing 4x root canals or either eventually lose the teeth

    Estimates with HCF dental is about $3000 a tooth with crown; this the gap i have to pay per tooth

    They can either try to save them thru root canal or pull them out cheaper they said

    Im tossing up on going to india or Thailand to save my teeth
     
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  11. qak

    qak Well-Known Member

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    I think root canals take time/multiple visits to get done, so you might want to check what it would really cost in flights & accom.

    Personally I'd rather stay in Australia as I do trust the dental/medical system here more for hygiene & after care.
     
  12. pinkboy

    pinkboy Well-Known Member

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    Yes Ive been to Thailand to get major dental work done. I went to one of the most advertised, most positive reviewed oral surgeon after much research.

    Im now suffering major financial burden of having that work redone from 2011. I spent about $20,000 in Thailand, and now upwards of $30,000 so far in Australia to undo and redo some of the work. I have about $10,000 worth of work to go which Im progressing through.

    Im actually typing this from the dentist chair where I await my temporary bridge to be fixed, while I get my permanent made up for fitting next Friday. Those implants go up behind my nose for maximum bone penetration as I clench really hard when riding and doing anything requiring concentration.

    My tip - get it done in Australia.

    pinkboy


    20180502_064507.jpg Screenshot_20180504-111037_Gallery.jpg
     
    Last edited: 4th May, 2018
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  13. geoffw

    geoffw Moderator Staff Member

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    I had major work done in Colombia. I was living there at the time, so it wasn't a special trip. I was very happy with the work and the cost savings were major. The prostheses have lasted much better than the remaining teeth.
     
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  14. MyDarlinghurst

    MyDarlinghurst Well-Known Member

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    I might be a bit scared to go there though

    I will get annual leave in August so i need a place for 4 weeks treatment time
     
  15. geoffw

    geoffw Moderator Staff Member

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    While you wouldn't go there just to get dental work done, it's a lot safer than it used to be in the 90s. I lived in Medellin for three months in 2015, and it's a thriving, innovative city, which has put many of its problems behind it. As long as you stay in the right areas, there's not much danger- but that applies to cities anywhere in the world, even Darlinghurst.
     
  16. geoffw

    geoffw Moderator Staff Member

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    Really? Did they smell you coming?
     
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  17. hobartchic

    hobartchic Well-Known Member

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    Stay in Australia where we have an excellent standard of dental care. Find other non life threatening ways to save money. You can set up an instalment plan with your dentist and do one tooth at a time. Surely with accommodation and flights overseas no cheaper anyway.
     
  18. VB King

    VB King Well-Known Member

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    Yes.
    Hand drill and no anaesthetic.
     
  19. MyDarlinghurst

    MyDarlinghurst Well-Known Member

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    Well according to Thaismile dental company in Pattaya Thailand it is less then $700 a root canal including the crown.:D

    But just the audacity at these health insurance companies such as HCF to be charging big gap fees when one is already on Top covet !!

    It really makes me think i should drop the “extras” part
     
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  20. Harry30

    Harry30 Well-Known Member

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    I dropped all the extras as part of my health insurance. For those, I consider myself self insured. Put the money you save in a long term investment (eg shares or IP) and pay as you go. Insurance is really there for the very big expenses such as $100k hip replacement.
     
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