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

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

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  1. Terrychris

    Terrychris Well-Known Member

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    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
    Terrychris, 8th Jan, 2017
    #1
  2. DaveM

    DaveM Well-Known Member

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    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
     
    DaveM, 8th Jan, 2017
    #2
  3. 158

    158 Well-Known Member

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    158, 8th Jan, 2017
    #3
  4. Terrychris

    Terrychris Well-Known Member

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    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.
     
    Terrychris, 8th Jan, 2017
    #4
  5. D.T.

    D.T. Specialist Property Manager Business Member

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    Do you still go to the same one up at lake munmoron?
     
    D.T., 8th Jan, 2017
    #5
  6. geoffw

    geoffw Moderator Staff Member

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    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.
     
    geoffw, 8th Jan, 2017
    #6
  7. Joynz

    Joynz Well-Known Member

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    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?
     
    Joynz, 8th Jan, 2017
    #7