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Joadster

Looking for health cover...

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Had my BA a few weeks ago and am looking at have some more surgery at a later date for a couple of revisions to my TT. I also want to be covered for any ruptures or cc for the future. Anyone who has joined AFTER their surgery, please let me know who your with along with the approx monthly payments please :-)) Thanks in advance xox

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I'd be interested in this too. My personal opinion is that private health insurance is a rip off. You have to put more $s in than you take out otherwise it wouldn't work (like gambling but with rules to make sure the insurance company wins). You would be better off putting money into a savings account to draw on when/if needed - then you get the interest too. My removal and lift will cost me 11k 14 years after my original BA. That would be $15 per week since my BA. And I'd be surprised if any insurance company would have covered the full cost. You will always have to pay a gap... and you are technically paying the insurance part too - just in payments to the company.

I may be wrong as I don't have health insurance due to my opinion ;) ; and my experience in the health care services; and the info from a relative on the inside of a health insurance company. My health care cover is looking after myself and saving.

Many implant companies will cover you for rupture... and ? some for cc (others will know more about that than me). Your PS should cover you for early complications/revision.

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I had my ba in sept and joined just after, there is a 12 month waiting period so the lift I need will have to wait till the end of the year, I pay $45 a fortnight, im hoping they will cover most of it or it's a lot of money to be forking out for nothing!!

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I'd be interested in this too. My personal opinion is that private health insurance is a rip off. You have to put more $s in than you take out otherwise it wouldn't work (like gambling but with rules to make sure the insurance company wins). You would be better off putting money into a savings account to draw on when/if needed - then you get the interest too. My removal and lift will cost me 11k 14 years after my original BA. That would be $15 per week since my BA. And I'd be surprised if any insurance company would have covered the full cost. You will always have to pay a gap... and you are technically paying the insurance part too - just in payments to the company.

I may be wrong as I don't have health insurance due to my opinion ;) ; and my experience in the health care services; and the info from a relative on the inside of a health insurance company. My health care cover is looking after myself and saving.

Many implant companies will cover you for rupture... and ? some for cc (others will know more about that than me). Your PS should cover you for early complications/revision.

Funny you should say that Harper because my original surgeon said the same thing. A savings account for the girls makes perfect sense. I could at least open it with the current cost of the hospital fee and take it from there. Calculating as per you @ L I would be paying almost $12k at 10 years which is what the surgery is anyway. Thanks ladies xox

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However.... Depending on your income, not having private health insurance, even basic cover, means you can be slugged with extra tax. I have a friend who didn't realise who had a year of very good income and ended up paying over $4000 in Medicare levy surcharge. Read more here https://www.ato.gov.au/Individuals/Medicare-levy/Medicare-levy-surcharge/

 

also, if you don't have it by age 30 you will pay extra for the rest of your life http://www.privatehealth.gov.au/healthinsurance/incentivessurcharges/lifetimehealthcover.htm

 

I work in the private system so I may be a bit biased but I think that while it may not save a lot of money when you do actually need to go into hospital (depending on the procedure), it may mean you don't have to wait for a very long time for things considered non emergency eg removal of tonsils, orthopedic surgery, gynae surgery etc etc... I agree extras cover is usually a bit of a waste unless you really take advantage of it. 

 

 

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I have been in private health since 30 I am with NIB I pay hospital and extras (no idea what cost maybe $40-$50 a fortnight).  I think every person should have it, the burden on the public system for minor things that could be going private is getting worse. I use my dental extras and saves me heaps and the extras is the cheap bit. I've already used my private health for breast revision and they were excellent. Good luck to those who age and need minor surgeries and end up on waiting lists for 12 months in pain when you could have it immediately with a small excess cost in private. Like all insurance you may use it a little you may use it a lot but it's peace of mind. I certainly haven't used all the money I've checked into car insurance but I wouldn't not have that either. 

I had my ba in sept and joined just after, there is a 12 month waiting period so the lift I need will have to wait till the end of the year, I pay $45 a fortnight, im hoping they will cover most of it or it's a lot of money to be forking out for nothing!!

why would they cover your lift? Unless your surgeon is good at ruffling up some papers it's not a medical complication so i don't understand why they would pay. 

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The health care system is f***ed and private health care is not helping (my inner socialist is popping out). Public healthcare often pays for private care for patients who need non-urgent procedures where there isn't the pubic services due to lack of funds and mis-spending of funds. This scares me as I'd rather have health care in the public system. The rooms might be crappy but the care is fairly standardised and aligned with State guidelines rather than an outdated (in some cases) Dr's opinion, or allegiances with pharmaceutical/product companies. No surprise that the outcomes are worse in the private sector. Also if there is anything serious or urgent you get shunted back to the public system anyway as the private cannot manage it.

I lasted 4 months working in private maternity and felt ethically obliged to leave as I could not be part of what was going on. 

We actually have a good public health care infrastructure which could be better if people paid more into it rather than into private health cover, and if the money was spent more appropriately. 

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I agree to an extent HarperHen but I can tell you that we get a lot of really sick and urgent cases in the ICU I work in. Smaller private hospitals can't cope with anything too challenging but we get exactly the same as our sister public facility with the exception of a few treatments private funds won't pay for. I know you work in maternity and yeah, I'm not a huge fan of the private system for most pregnancies.... 

 

Donatella is right re needing surgery. A friend of mine injured his back lifting weights and needed lumbar surgery. He was advised minimum wait of 12 months in the public system even though he was in a lot of pain and popping pain pills. He ended up paying over $20,000 to have it done privately. That kind of thing could happen to most of us.... 

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I personally think waste of money! Health care is free in Australia so why go out of your way to pay for health care?

You'll only need revision like twice or three times in your life time?? (unless you're weirdly unlucky) so really that's nothing in terms of money- you can easily just use your savings money or take a loan out if desperate. Spending thousands of dollars a year for something everyone else gets free is such a wasteeee. If you do go ahead make sure you get as much info as possible from insurance companies  

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@imperfectly_lou yes it probably varies across Australia re. what is available privately. I just worry about a health care system that makes money from medical intervention. It is ripe for over treating. And yes the maternity system is probably the worst. There is a reason that the episiotomy rate is higher when the Dr gets $800 for doing it. And take a look at the US (private) healthcare - eek!
There is always the risk of needing something and having to wait. Although I'd rather insure by saving for this... then if it doesn't happen I can spend the money on something else. My husband recently had a totally pointless and non-urgent angiogram in the private health system paid for by medicare (so wrong!). 

We are going to end up with an over-servicing private sector and an under-servicing public sector. Two tier system. 

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It's not free, your tax money helps fund this 'free' service. that sort of attitude places even more strain on the health system, although I'm not surprised we live in a hand out nation. You're too young and uneducated to understand at present, wait until you're older and things start to go wrong. Your body starts to break down, things can and do go wrong. I agree public for major illness but plenty of minor ops and illness that you'll have to wait months and months for in pain on the public system. Good luck living in your bubble.

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@donatella I hope you are not referring to me being 'too young and uneducated to understand' - I'm in my 40s with a PhD. The public health care system needs to be a 'health' care system ie. focus on promoting health rather than fixing everyone when they are broken as it currently does. Most ill health can be prevented if people take responsibility for themselves - nutrition and movement, lifestyle etc. It is not a given that your body breaks as you age - this is a cultural/social reality due to our lifestyles. The private system also encourages the unnecessary use of intervention... you have paid in so you want to claim it back and have that procedure/treatment (I would). Where is the incentive to be healthy and pay in but not claim whilst others spend 'your' money. Both systems are flawed and encourage unnecessary consumption of services with a focus on illness not health and undermine self-agency.

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No not you, I know you're not young and uneducated but you don't fly comments around like 'it's free gimme gimme'. 

Some of the biggest claims on private health are exercise injuries, knee surgeries then you have the older and the hip and knee replacement (12 month waiting list on the public system). You can be the healthiest person on the planet and still fall ill, need expensive testing or exploritive surgeries. the private hospitals are full of sport injuries lol 

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That's because they way were are sold 'health' is not aligned with actual health. There is nothing healthy about running a marathon yet lots of people do this then end up with the associated health issues - joint damage, AF, adrenal burn out, etc. People just need to eat real food and move about lots more. It is not rocket science. Look at the cultures and their elderly people. How many old people in Aus can squat down to sit... or even sit on the floor and get up? They stop doing it = can't do it = joints don't work. Spending 8 hours in a chair looking at a screen then 1 hour of high intensity movement and cardio is not healthy.

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Many of these elderly cultures don't have the access to health care we do. Their lives, housing and work is a world away from a first world country it's not comparable. Being fit and moving more does not mean you won't get minor illness (or major for that instance). You hear of young healthy people dropping dead everyday. I'm 33 and have used my private health more then what I've paid out already, I can chose my own specialist privately. Some of the specialists you get assigned too in the public system are horrible but guess what, you don't get any say.

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If you have drawn out more than you have paid in - someone else has paid in more than they have drawn out. Private health care is big business and they are not giving anything away. They make huge profit. So, the majority of people must be paying in more than they take out. Like all insurances. Nothing can eliminate risk and I know I can (and have had) minor illnesses. But, on the balance of things I think I would be in the majority paying in more so that others can draw it out. And I guess I lived most of my life in a country where private health care is virtually unheard of, and I find it difficult to get my head around what goes on here. Having a relative inside a private health company and hearing what goes on in the back ground probably does not help my cynicism.

My health insurance is my lifestyle and my savings - with the public system as back up. I'm happy with that and I'm happy for others to do differently.

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Exactly everyone can do as they please but the argument that it's a waste is complete bollocks to me. I've paid more on my car insurance but wouldn't be without that. I have also worked in both public and private and know my health is paramount and I'm not going to wait one extra day necessary or go into debt into getting it treated immediately. At the end of the day I can afford it and it saves me the Medicare levy and I have already reaped it rewards so people who try and negate it are those who haven't experienced it themselves. For me I am very thankful for mine and there is nothing that won't be investigated, tested or treated immediately when I am unwell 

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Car insurance is about protecting others as much as yourself.

Private health insurance is a waste for me personally. We are all different and choose our own risks and risk thresholds based on our own life circumstances.

@Joadster was asking about insurance for future plastic surgery costs. I'm guessing she wanted opinions - and she got them ;). It is up to her whether she thinks insurance is worth it or not for her.

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But if you put the same logic as you are with health you can save enough money to cover you and the other person. In fact the same principle of protecting others can be applied to health. If everyone waited on the public system for certain ailments (ie knee/hip replacements) then the list would be massive. Those that can afford it are doing the rest a favour by going private and freeing up the queue for those that can't afford. 

I have used my private health for breast implant revision so can personally say 100% worth it. Are you giving your personal experience with it or just a jaded blanket opinion without any experience?

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I want other people to have car insurance because if they crash into my car I will need their money. Not really the same thing. Yes - the government are pushing people to get health insurance so that they can spend less on public health using the argument about waiting lists etc.

I am giving my personal opinion based on my personal experience. I am paying around 10k (1k medicare rebate) for my 'revision' surgery -  $13 for every week I have had my implants in. Fairly sure I would not be able to get health insurance for that. In the meantime I have not accessed the health care system for anything other than my GP occasionally (which I pay $32 each visit and $ for tests not covered by medicare). 

My 'blanket' opinion is based on working in private and public health systems here and in different countries, and having friends/colleagues in both systems too. Knowing the research regarding practices and outcomes. Also based on what I have been told by my relative about how insurance companies avoid payout to increase profits... he worked for them.

You are also basing your opinion on your experience - your experience of being one of the minority that takes out more than you put in. If everyone had your experience the insurance companies would not be able to function.

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But what if they crash into your car and have a savings account for such things? 

No you're basing your experience on heresay, you haven't personally used or benefited from it and never say never in regards to this. I have also worked in public and private health and could also give you examples of why you should have it but they're not my personal experience. I've saved thousands on dental too another perk 👍

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Generally people don't have savings so I'm happy there is mandatory 3rd party car insurance.

Just worked out that if I had been paying into private health insurance for those 16 years at $50 per week (low estimate)... I would have put in over $41K. There is no way I would have spent that on my health - including dental or any extras. This is not heresay - this is my personal experience. No, I don't have personal experience of having health care insurance, but you don't have personal experience of going without... so you could be accused of basing your argument against on heresay, and on being in the minority who are cashing in. Technically other people are paying for your healthcare just like they are in the public system.

If you are happy with your insurance then great - share that experience and opinion with others. But, it is a little unfair to dismiss other people's opinions and choices just because they are not aligned with yours. 

Apologies to @Joadster for derailing the post away from your original question :)

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