Do You Have Private Health Cover?

[Iron Fist]

I have had it since I finished school
mainly cause I have asthma and shit like that!
Im probably one of the people that is ahead in relation to what i have recieved.
Having had it for 2 years Ive been in hospital for 3 days, been in an ambulance and also had a whole pile of scripts filled!

being young they have a package that is bout 60 something a month u get hospital, ambulance, doctor, physio, probs more but someone young thats all they really need, oh yeah and emergency dental!

I think it is worth it especially if ya play sport!

[Footy Chick]

*BUMP*

I still stand by my stance of hating private health because I think it's a scam, however I now find myself coming of an age where I'm likeley to get slugged by NOT having it.

Is anyone around here cluey enough to let me try and explain the costs at time time if you don't have it, compared to paying $1200 to have it?

[GWW]

I signed up with HCF about a year ago.

Costs a lot, but it can, and definitely does, come in handy.

Would also like to know a little more about taxation implications/advantages in having Private Health.

[Johno6]

i don't

that's why im paying 2,500 to have tonsils taken out

[kickinit]

*BUMP*

I still stand by my stance of hating private health because I think it's a scam, however I now find myself coming of an age where I'm likeley to get slugged by NOT having it.

Is anyone around here cluey enough to let me try and explain the costs at time time if you don't have it, compared to paying $1200 to have it?

it's one of those things at the time you probably don't think it's a waste of money until you need it. Most companies these days are aligned to a fund that gives you a discount. I have always thought of it like car insurance, you can go years without using it but you have it because if something does happen your covered.

[kickinit]

I signed up with HCF about a year ago.

Costs a lot, but it can, and definitely does, come in handy.

Would also like to know a little more about taxation implications/advantages in having Private Health.

I've never heard of tax implications, but there probably is for some people. Probably best to wait until you get your tax and ask what implications and benefits there is for you.

[woodublieve12]

Don't have it, and not really interested. Majority of my in-laws are nurses swear against it.

If something serious happens you get the same treatment regardless if you are private or public...
Went through the public hospital for the birth of our first, wouldn't change a thing for the 2nd. Didn't cost us a cent throughout the pregnancy, but in private you lay down heaps of coin for the same service...

[Footy Chick]

I signed up with HCF about a year ago.

Costs a lot, but it can, and definitely does, come in handy.

Would also like to know a little more about taxation implications/advantages in having Private Health.

I've never heard of tax implications, but there probably is for some people. Probably best to wait until you get your tax and ask what implications and benefits there is for you.

More was trying to go along the lines of " Well I'm turning 40 this year" what's the extra charge to me at taxtime as a loading if I don't have private.

Again - I think private is a scam and even though I'm going in for my second private hospital visit which Im paying for upfront, I still reckon I'm well ahead of what I would be had I forked out $1000 per year for insurance.

[MatteeG]

I have it. Was great being able to stay in hospital for almost a week with Mrs G after #1 was born (Caesar with minor complications).

For those who dont have it, put aside the amount you would be paying if you did. For most people this would almost work out the same when you need something done.

[woodublieve12]

I have it. Was great being able to stay in hospital for almost a week with Mrs G after #1 was born (Caesar with minor complications).

For those who dont have it, put aside the amount you would be paying if you did. For most people this would almost work out the same when you need something done.

you can do that in a public hospital too.

[mickey]

I have it. Was great being able to stay in hospital for almost a week with Mrs G after #1 was born (Caesar with minor complications).

For those who dont have it, put aside the amount you would be paying if you did. For most people this would almost work out the same when you need something done.

you can do that in a public hospital too.

Both of my girls were C-section babies, the 1st by emergency and the 2nd on recommendation.. both done at WCH and both times had a 5 day stay afterwards in a private room

[whufc]

I have it. Was great being able to stay in hospital for almost a week with Mrs G after #1 was born (Caesar with minor complications).

For those who dont have it, put aside the amount you would be paying if you did. For most people this would almost work out the same when you need something done.

you can do that in a public hospital too.

Both of my girls were C-section babies, the 1st by emergency and the 2nd on recommendation.. both done at WCH and both times had a 5 day stay afterwards in a private room

Yeah both our children were born at the lyell Mac and on both occasions we had to stay for 5-6 days and had our own private suite both times.

[Q.]

Don't have it, and not really interested. Majority of my in-laws are nurses swear against it.

If something serious happens you get the same treatment regardless if you are private or public...
Went through the public hospital for the birth of our first, wouldn't change a thing for the 2nd. Didn't cost us a cent throughout the pregnancy, but in private you lay down heaps of coin for the same service...

What if you did your ACL? Hello 12-18 month wait for operation.

[the milky bar kid]

Don't have it, and not really interested. Majority of my in-laws are nurses swear against it.

If something serious happens you get the same treatment regardless if you are private or public...
Went through the public hospital for the birth of our first, wouldn't change a thing for the 2nd. Didn't cost us a cent throughout the pregnancy, but in private you lay down heaps of coin for the same service...

What if you did your ACL? Hello 12-18 month wait for operation.

Got PH, did my ACL within 6 months of getting it.
Paid $50 for my stay in hospital, $50 on initial consultation & about $150 on my MRI.
That's all I paid for my entire reconstruction (which costs about $5500) & I got it done pretty much right away (within a month of diagnosis)
So right now I'm about $5k up on my Health Fund, I'm sure they'll peg it back tho! I still use it for chiro, physio, massage, etc. Usually it gives me 20-50% each.
So worth it whilst playing sport IMHO.

[Bum Crack]

we have it. quite expensive ($320 a month after rebate) but you can't put a price on private health if a family member becomes ill or requires urgent surgery for an injury etc.

[HH3]

we have it. quite expensive ($320 a month after rebate) but you can't put a price on private health if a family member becomes ill or requires urgent surgery for an injury etc.

How many people does that cover?

[Bum Crack]

we have it. quite expensive ($320 a month after rebate) but you can't put a price on private health if a family member becomes ill or requires urgent surgery for an injury etc.

How many people does that cover?

Me and the missus and our 15 year old daughter

[Dog_ger]

When in danger, my private health cover has saved my bacon.

When your in the Doctors and he asks "are you covered by private health cover":

I say "Top Cover".

Saved.....

Immediate Health Cover.

[Psyber]

My fund recently de-mutualised and sold out to Avant - the costs and benefits stay the same and I got $5600 as a payout from the sale.
I'll be watching them though, and if the quality of cover starts to slip I'll move on.
My insurance cost me $2190 this year (just for myself), but it is a good cover at this stage.

I don't think I would have gotten my Prostate surgery as quickly, nor as good a surgeon, in the public sector.
In fact, since my cancer was low grade, they may not have offered me the option of surgery, but just Radiotherapy.

I preferred to play safe and go for the surgery, having worked in a Urology team at the RAH at one time, despite the federal government propaganda campaign asserting early detection through PSA testing, and surgery rather than conservative treatment don't prolong life with low grade Prostate CA.

(It is probably true if, like most you are not likely to live more than 10 or 15 years after the diagnosis anyway, but my family tend to live well into the 90s and I'm batting for a good century.)

I've always had private health insurance because I want to be able to choose what I think is the best treatment from the best doctors in the field.
I had two Urologists doing my Prostatectomy as one of the guys from my year assisted my primary surgeon.

My step-daughter, who is a nurse with private cover, had a Plastic surgeon assist her ENT guy when she had a neck dissection for secondaries from a Salivary Gland cancer.
She got prompt surgery, and a thorough but very neat job done.

[Failed Creation]

My wife and I have Blue Ribbon Extras cover with Medibank Private, and thus far we haven't needed to use it apart from out yearly glasses upgrade. We pay about $85 combined per month for the peace of mind.