Health & Family Wondering if its worth keeping extras on Health ins

Discussion in 'Living Room' started by Terrychris, 8th Jan, 2017.

Join Australia's most dynamic and respected property investment community
  1. Terrychris

    Terrychris Well-Known Member

    Joined:
    15th Dec, 2016
    Posts:
    126
    Location:
    Sydney
    I have been thinking of cutting back on my budget this year.
    Im thinking of cutting the "extras" out and just keeping the hospital part.

    Recently I went to the Dentist with a tooth ache.

    The HCF Dentist advised me I would need a root canal plus a crown, this is HCF health insurance own dental clinic.
    Despite being a member for some 12 years it appears the dental is not covered when it comes to root canal etc.
    She qouted me $2400 for root canal plus crown or $58 to have the tooth taken out.
    They have put a temporary filling in it at the moment ( no charge)

    Currently i pay $192 a month for the top extras and hospital.

    The HCF dentist advised me it only included 3 check ups a year and fluride cleaning and so many fillings , other than that it appears it costs.

    I cant see getting much benefit from the extras cover ?

    However I have written to HCF to ask if this is correct as I did think after 12 years there would be at least some benefit back from $2400 for a root canal ?

    It just seems to be a waste of money.
     
    Last edited: 8th Jan, 2017
  2. DaveM

    DaveM Adelaide Buyers Agent & KFC Strategist Business Member

    Joined:
    14th Jun, 2015
    Posts:
    3,738
    Location:
    Adelaide & Sydney
    Did you read the PDS before taking out the cover and see what was/was not covered. There is an element of personal responsibility in all aspects of lifes choices, and if its not covered and you did not do your research, theres not much you can do now
     
  3. pinkboy

    pinkboy Well-Known Member

    Joined:
    18th Jun, 2015
    Posts:
    1,279
    Location:
    Brisbane, Qld
  4. Terrychris

    Terrychris Well-Known Member

    Joined:
    15th Dec, 2016
    Posts:
    126
    Location:
    Sydney
    No I didnt read the PDS, I thought naturally it covered root canal after a period of time.
    Im sure they have it wrong however and have written to HCF via email.
     
  5. D.T.

    D.T. Specialist Property Manager Business Member

    Joined:
    13th Jun, 2015
    Posts:
    8,806
    Location:
    Adelaide and Gold Coast
    Do you still go to the same one up at lake munmoron?
     
  6. geoffw

    geoffw Moderator Staff Member

    Joined:
    15th Aug, 2005
    Posts:
    9,025
    Location:
    Canberra
    What about medical tourism?

    A friend went to Thailand to get work done. His partner is a dental nurse, and told jim the quality was superb. Plus, with smaller hands, they could get at the work more easily. It may have cost him about the same all up as on Australia, but he had a holiday thrown in.

    I had extensive work done in Colombia ywo years ago. I was already there- the quality was superb, and the cost way below that in Australia. $2.5k for 15 extractions and partial plates, upper and lower.
     
  7. Joynz

    Joynz Well-Known Member

    Joined:
    5th Apr, 2016
    Posts:
    4,225
    Location:
    Melbourne
    My insurance doesn't cover crowns either. But I figure that I've saved enough over the years with just basic extras that I can pay for them myself.

    Are you sure you have top level extras cover?