Private health insurance

Everything that has nothing to do with fishing.
Lightningx
Rank: Mako Shark
Rank: Mako Shark
Posts: 8726
Joined: Wed Oct 01, 2014 4:21 pm

Re: Private health insurance

Postby Lightningx » Mon May 07, 2018 3:53 pm

Good idea to get it.



Remove these ads.

cantcatchem
Rank: Flathead
Rank: Flathead
Posts: 207
Joined: Sat Dec 09, 2017 10:34 am

Re: Private health insurance

Postby cantcatchem » Mon May 07, 2018 4:33 pm

Fish-cador wrote:Private health insurance companies run a business. They need to make money. They provide very little return for your premiums except when you are hospital bound. Greedy buggers. We have maternity cover we can't remove because they will remove physio, chiro, etc with it.

You may have to declare your condition. You may not get covered on your pre existing conditions.

I have a cover paying almost $11,000 per year for top family cover with nil excess. No queuing for surgery. No shortage of bed. If you come in the morning for consultations you can be in the operating table the next day even for broken finger nails. That's how easy it is if you have private health cover.


I have a cover paying almost $11,000 per year for top family cover with nil excess. No queuing for surgery. No shortage of bed. If you come in the morning for consultations you can be in the operating table the next day even for broken finger nails. That's how easy it is if you have private health cover.

At $11,000 a year it would be cheaper to just pay for any emergency operation you may require, this is the most ridiculous advice I have ever heard of, never had private health insurance and never needed it, even when my wife had a stroke everything was taken care of quickly and efficiently without any further cost to me

cantcatchem
Rank: Flathead
Rank: Flathead
Posts: 207
Joined: Sat Dec 09, 2017 10:34 am

Re: Private health insurance

Postby cantcatchem » Mon May 07, 2018 4:34 pm

cantcatchem wrote:
Fish-cador wrote:Private health insurance companies run a business. They need to make money. They provide very little return for your premiums except when you are hospital bound. Greedy buggers. We have maternity cover we can't remove because they will remove physio, chiro, etc with it.

You may have to declare your condition. You may not get covered on your pre existing conditions.

I have a cover paying almost $11,000 per year for top family cover with nil excess. No queuing for surgery. No shortage of bed. If you come in the morning for consultations you can be in the operating table the next day even for broken finger nails. That's how easy it is if you have private health cover.


"I have a cover paying almost $11,000 per year for top family cover with nil excess. No queuing for surgery. No shortage of bed. If you come in the morning for consultations you can be in the operating table the next day even for broken finger nails. That's how easy it is if you have private health cover."

At $11,000 a year it would be cheaper to just pay for any emergency operation you may require, this is the most ridiculous advice I have ever heard of, never had private health insurance and never needed it, even when my wife had a stroke everything was taken care of quickly and efficiently without any further cost to me

denis barden
Rank: King George Whiting
Rank: King George Whiting
Posts: 469
Joined: Sat Jun 18, 2016 3:01 am

Re: Private health insurance

Postby denis barden » Mon May 07, 2018 5:28 pm

Private health cover=A load of rubbish=Near as big a Fairytale as Braid over Mono
Years ago I was paying $50 a week=$2500 a year for 10 years=$25,000-Never used it
If you are in Car accident TAC Pays
If you hurt at work -Workers comp pays
If you are really crook you go to hospital by Ambo and get Emergency Service -Medicare pays
The Health Insurance Companies say-You select your doctor -Nobody knows a specialist in each field-=Weasel Words to get your Dollars

smile0784
Rank: Premium Member
Rank: Premium Member
Posts: 6960
Joined: Thu Apr 26, 2012 5:16 pm

Re: Private health insurance

Postby smile0784 » Mon May 07, 2018 5:47 pm

So what happenes if you out at a mates place and hurt your self?

Do you have to sue him for compensation for medical expenses?
Or hurt your self while hooking the boat up?

blacklab99
Rank: Premium Member
Rank: Premium Member
Posts: 645
Joined: Mon Mar 11, 2013 2:41 pm
Location: malvern east

Re: Private health insurance

Postby blacklab99 » Mon May 07, 2018 6:00 pm

This is an interesting topic.
I was in recently getting a knee cleaned out ( old football injuries) I went private and payed for everything myself.
Cost me just on 5k. Now they did about 10 of us in one day and we were all finished with and done in the day.
before they let us limp home the surgeon walked from bed to bed and said he'd see us in a week or so for the stitches to be removed, followed by this short bloke, introduced as the physio, who had a one sentence for all of us, " keep it elevated, stay on the crutches for a few days and you should be fine". SO, we were all charged $250 EACH (2500 collectively) in our bill for a physio consultation !!!!
when we all returned a week or so later, I heard all the other patience commenting on how much they were out of pocket, most had health insurance.
I paid up front, and medi care refunded me, I was $ 1800 out of pocket, or effectively the knee surgery cost me $ 1800.
Most of those with medical insurance were on average out of pocket up to $1500 !!! go figure
On the day,I was still under the influence when I had to pay, and I flatly refused to pay the $250 for the wee bloke telling me to take it easy and calling it a physio consultation, so they deducted $150 off.
The only ones making money out of this is those surgeons and associated hangers on ! my knee was fixed, great job, but really !
Also had a work mate recently who had a mild heart attack, the ambulance came, took him to hospital, he actually went public, as it was cheaper than using his medical insurance, same hospital, same doctors........
There's a few in the medical profession making an absolute killing on this medical insurance.
only my view.......
Col



Remove these ads.

User avatar
mingle
Rank: Australian Salmon
Rank: Australian Salmon
Posts: 341
Joined: Sat Jul 06, 2013 8:27 pm
Location: West Gippy

Re: Private health insurance

Postby mingle » Mon May 07, 2018 6:02 pm

denis barden wrote:Private health cover=A load of rubbish=Near as big a Fairytale as Braid over Mono
Years ago I was paying $50 a week=$2500 a year for 10 years=$25,000-Never used it
If you are in Car accident TAC Pays
If you hurt at work -Workers comp pays
If you are really crook you go to hospital by Ambo and get Emergency Service -Medicare pays
The Health Insurance Companies say-You select your doctor -Nobody knows a specialist in each field-=Weasel Words to get your Dollars


Spot on...

We've had a couple of occasions where we needed urgent treatment and the hospital (Monash Medical Centre) was great. No wait, no mucking around, just great care and treatment.

Remember, we live in Australia, not the US. You're not going to be kicked out and left to die.

Private health insurance is a bit of a rort - so many conditions and caveats. Better to save the money and invest it - in case you do need elective surgery in the future.

Mike.

User avatar
4liters
Rank: Premium Member
Rank: Premium Member
Posts: 4349
Joined: Mon Dec 29, 2014 8:05 am

Re: Private health insurance

Postby 4liters » Mon May 07, 2018 6:03 pm

If it’s serious Medicare covers it, even if it’s a result self inflicted stupidity.

Mum’s had cancer twice and never paid a cent to have it treated, both times the doctor had her under the knife within days of the positive test results.

Private health is good for non emergency quality of life stuff like hip replacements or laser eye surgery etc, although for people just starting their working life it would probably work out more cost effective to put away the same amount of money in a high interest account each month instead, and draw on that if you ever need surgery.
2015/16 Species comp total: 289cm
Brown Trout: 37cm
Flathead: 51cm; Squid: 36cm; Australian Salmon: 51cm; Snapper 46cm; Silver Trevally 23cm; KGW: 45cm

smile0784
Rank: Premium Member
Rank: Premium Member
Posts: 6960
Joined: Thu Apr 26, 2012 5:16 pm

Re: Private health insurance

Postby smile0784 » Mon May 07, 2018 7:00 pm

mingle wrote:
denis barden wrote:Private health cover=A load of rubbish=Near as big a Fairytale as Braid over Mono
Years ago I was paying $50 a week=$2500 a year for 10 years=$25,000-Never used it
If you are in Car accident TAC Pays
If you hurt at work -Workers comp pays
If you are really crook you go to hospital by Ambo and get Emergency Service -Medicare pays
The Health Insurance Companies say-You select your doctor -Nobody knows a specialist in each field-=Weasel Words to get your Dollars


Spot on...

We've had a couple of occasions where we needed urgent treatment and the hospital (Monash Medical Centre) was great. No wait, no mucking around, just great care and treatment.

Remember, we live in Australia, not the US. You're not going to be kicked out and left to die.

Private health insurance is a bit of a rort - so many conditions and caveats. Better to save the money and invest it - in case you do need elective surgery in the future.

Mike.


I work on private hospitals and there is a big difference on speed things happen. A kid goes to public emeragncy with appendecitis. Pain killers and antibiotics and semt home amd review with regular dr in few days.
Same kid goes to private hospital next day for second.opinion get admitted has surgery next day and has a overnight rest in a single room.

Another example of private. They paid $500 to be seen in ed. This come in for rib pain following leaning over the hand brake in the car. Ed dr pascripts panadine forte and admit to the ward for a xray next day. Stayed over weekend cos dr didnt come in over weekend and sent home. Lol

Theres a big difference between public hospital treatment and the speed things happen and private.

Public unless you having a heart attack or major fracture arm your sent home unless your old.
Private hospital admitt almost every that does through the door

User avatar
Fish-cador
Rank: Kingfish
Rank: Kingfish
Posts: 6135
Joined: Fri Jul 08, 2011 1:00 pm

Re: Private health insurance

Postby Fish-cador » Mon May 07, 2018 7:10 pm

smile0784 wrote:
Just out of curiousity what other cost were involved like anethitist cost that werent covered by insurance


some meds, bandages, lap dancer, KFC. :-)



Remove these ads.


Return to “Off Topic Forum”

Who is online

Users browsing this forum: No registered users and 4 guests