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Private health insurance

Discussion in 'Living Room' started by febstyle, 21st Mar, 2016.

  1. febstyle

    febstyle Member

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    I'm guessing most of the folks here would have private health insurance. Just curious who are you with and how's your experience?

    I have always been with NIB but not sure if the pregnancy cover for the wife is as competitive as others.

    Would love to hear some of your experience :)
     
  2. Bran

    Bran Well-Known Member

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    I try and focus on the clinical aspects and leave the billing to my practice managers, but they always convey that NIB costs my patients more than any fund. They have a terrible no gap policy, which means you will nearly always be charged a gap. And because they are so bad at doing so, the patient has to pay up front, then seek reimbursement.

    I'm with Medibank Private, and am leaving once we are out of the woods with my infant.

    For the mainstream funds, BUPA seems a little more flexible in what it covers. Whether or not it's worth the jump, for you, I can't say.
     
    Last edited: 21st Mar, 2016
  3. Hodor

    Hodor Well-Known Member

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    I'm with NIB. Good to hear feedback, will have to around. My partner just switched to MBF which was rated highly by the AMA
     
  4. geoffw

    geoffw Moderator Staff Member

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    We had dental cover but not for a large amount. We've just had a quote for a hugely expensive procedure for my wife.

    I had dental work done in Colombia when I was living there last year. The money I saved almost paid for the trip. I was very happy with the quality.
     
  5. Vanillascent

    Vanillascent Well-Known Member

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    I'm with Bupa. I get annoyed because I pay close to 2k per year to get $100 off my dental annually. I have it "just in case". But so far I can't say it's been of any great benefit to me. I guess some people would say that's a good thing in some ways. Not that I've ever had a problem with Bupa.
     
  6. D.T.

    D.T. Adelaide Property Manager Business Member

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    None, it's pointless
     
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  7. JohnPropChat

    JohnPropChat Well-Known Member

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    Don't you need one to not pay Medicare Levy Surcharge and get Ambulance cover at the very least?

    PrivateHealth.gov.au - Australian Health Insurance Information - A no BS comparison website.

    You can lookup stats for your particular state on consumer feedback and claim approval ratings. Also watch out for No Gap, Known Gap confusion.I think not-for-profit funds are better. F**k BUPA.

    PS: I am with HCF.
     
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  8. Xenia

    Xenia Adelaide Property Manager Business Member

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    Cancelled all - waste of money and run on fear tactics.

    My auntie has a severe case of rheumatoid arthritis and gets to see one of the top specialists in SA through his private practice in north Adelaide - she pays for it through health insurance premiums and gaps.

    My mum has exactly the same condition, no private health but gets to see exactly the same specialist for free at a public hospital.

    Treatment is the same. If surgery is required, my mum does not get a private room - who cares!

    My mum gets all drugs, treatments etc for free.

    My mum has a bigger, better house and more money.

    I don't have private health but when I had my children I could have still chosen any hospital I wanted, even a private one. They don't stop you just because you don't have health insurance.
     
  9. EN710

    EN710 Well-Known Member

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    I use health.com.au - either that or medical levy surcharge.

    @Xenia i think it makes sense if the individual have the funds to cover any medical fees. The only time I'd choose private over public is when waiting time is important. Apart from that, I use the extras such us osteopath, acupuncture and remedial massage ;)
     
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  10. geoffw

    geoffw Moderator Staff Member

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    My daughter had to have a silicates shoulder reconstructed. She was no longer on our policy, and had been struggling to make ends meet- so private insurance was not affordable for her. So she had to go public- and as it was deemed to be elective surgery she had to wait many months.

    Before anything she had to go into a queue for an x-ray. When the time arrived and she presented herself she found that they had recorded the wrong shoulder. She had to go into the queue again. (Each treatment involved a trip from Newcastle to Canberra and a disruption to her university studies).

    Some eight months after going onto the queue she was ready again. She had a bad night before with a mild boutique of diarrhea. She had to go in the queue again. She was in tears.

    Fortunately it was only a matter of a month before she was able to have the operation. She was shortlisted for a cancellation and had to come down on very short notice.

    If the operation had been scheduled for an exam period she would have had to go right back to the start of the queue.

    When she was on our private insurance a few years before, for a different "elective" operation it was scheduled on the spot two weeks ahead and performed straight away.
     
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  11. Bran

    Bran Well-Known Member

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    If you search, we've discussed this before - here and somersoft. I've posted about wait times within the last week. Its about choice and convenience.

    I look after someone in Australia's top ten richest. Interestingly, they have private cover.
     
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  12. JohnPropChat

    JohnPropChat Well-Known Member

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    I often see people complain about premiums but top hospital cover only costs a bit over $100/month for which one gets to avoid medicare levy surcharge, lifetime health cover loading, get ambulance cover and wait for it .... private health cover if you need it.

    A single procedure that costs $10k easily covers for 10 years of premiums. Yes you can go through the public system but why put yourself through potential wait times, no say in the doctor that treats you? Or treatment options for that matter?

    You wouldn't not use car insurance and just rely on CTP would you?
     
  13. Dan Donoghue

    Dan Donoghue Well-Known Member

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    For those saying it's a waste of money. Insurance is one of those things you "hope" is a waste, you pay it hoping to never need it.

    You insure your car and house, why not your body?

    The last 12 months would have cost me tens of thousands of dollars, instead it cost me $50 a day in hospital and $30 per 3 weeks for appointments.

    My chemo was covered, my surgery was covered and I was in an amazing private hospital that cost me $50 a day and the health fund $700 a day. Also my surgery was only 1 week after we discovered the cancer, this wouldn't happen this quickly in Public.

    And that's just me, my wife has her own problems which see our health fund paying out for her also. BEFORE my treatment we worked it out and we were ahead just for the wife, we are now very far ahead and will continue to be for the rest of our lives.

    We are with HCF, we have the top cover and I have had no problems with them whatsoever, everything is done with very little interaction from me.
     
  14. Bran

    Bran Well-Known Member

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    A patient of mine last week had a procedure that would have cost him less than $100. Uninsured, I charged him about this, the hospital slugged him $2500. He was rich enough that he didn't care (his words), but most aren't .
     
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  15. wylie

    wylie Moderator Staff Member

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    A few times I have looked at our spend on extras that we use, chiro, massage, glasses, orthotics, Physio and then looked at the cost of our usage had we not had cover. Each time we are better off with the cover.

    Either that, or stop looking after ourselves and stop using these services altogether. Our son saw part of his hospital bill and the ICU portion was over $85K (not even looking at daily rate for his room when he got out of ICU). He would have been just as well looked after going public but for me, I'll pay the insurance premium and sleep better at night. He says he will never drop his cover after his recent experience.

    There is no right or wrong answer but I won't drop cover to save some dollars.
     
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  16. Scott No Mates

    Scott No Mates Well-Known Member

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    Why don't you use your elf fun properly?

    I use BUPA preferred dentists, physio, optimists and chiro - all with $0 out of pocket.

    Ignorance of what you're coverage provides is no reason to bag a service provider if you're paying for it. Check out the app/website.
     
  17. Lizzie

    Lizzie Well-Known Member

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    We have private insurance - and will continue to do so - due to a few recent examples.

    Hubby had a bowel test come back dodgy so went to the doc's and got a referral to a specialist ... not realising we were in private. After 2 months we received a letter from the specialists practice advising that they would be notified of an appointment in around 12 months time ... that wasn't the appointment ... that was the "advice" of the appointment. Phoned the doc and advised we were private - got an appointment two weeks later and all well that ended well. Now - If I had a dodgy bowel test - that could be cancer - don't know that I'd be wanting to wait over 12 months just to have it checked - could be dead by then!

    Hubby's aunt needed both a hip and knee replacement on the same leg ... waited on the public list for 2 years in grinding pain to be advised she could have one replacement and then she'd go back on the end of the list for the other - another two years in agony to wait ...

    A few weeks ago the whole family put ourselves through the dentist to get all required work done ... between the three of us we spend a few thou (fillings, replacements etc) of which we got around 2/3rds back via private health ... even considering how expensive a simple clean and check is (couple of hundred), and the massive waiting list on public dental, and how important healthy teeth are for your general health ...

    Fabulous to have no health insurance while everyone is healthy and racing ... but when something goes wrong, that isn't considered immediately life threateningly serious ...
     
  18. Biz

    Biz Well-Known Member

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    Can you just pay for a private hospital though if you want it? Or are they just reserved for private insurance patients? I find private health insurance a waste of money to be honest, we're paying about 4k a year now with Bupa. It's sort of ok because we are pumping out babies but once we're through with this phase of our life I want to cancel it and just pay what I have to when I need it.

    Mother in law doesn't have private cover, had cancer over the last couple of year, 3 major operations, about 15 weeks in hospital all up. Didn't pay a dime. She had to stay in a public hospital but for about half of the stay got her own room.
     
  19. EN710

    EN710 Well-Known Member

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    You can - my friend just got quoted $9000 a day for private hospital. Her surgery would cost about $6000+ and who knows how many days stay at hospital depends on the severity of the issue

    If she choose private, cost range from $15K to $30K a pop. Staying with public cost about $450 a day but about 6-12 months wait. She has been advised to have the surgery sooner than later.
     
  20. Biz

    Biz Well-Known Member

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    Jesus christ...Are they operating out of the Ritz Carlton or something?
     
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