Private health insurance
-
- Bluefin
- Joined: Wed Oct 01, 2014 4:21 pm
- Has liked: 72 times
- Likes received: 976 times
-
- Rank: Flathead
- Joined: Sat Dec 09, 2017 10:34 am
- Location: Patterson Lakes
Re: Private health insurance
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.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.
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
-
- Rank: Flathead
- Joined: Sat Dec 09, 2017 10:34 am
- Location: Patterson Lakes
Re: Private health insurance
"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."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.
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
-
- Rank: Rainbow Trout
- Joined: Sat Jun 18, 2016 3:01 am
- Location: St Leonards Vic
- Likes received: 523 times
Re: Private health insurance
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
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
-
- Rank: Premium Member
- Joined: Thu Apr 26, 2012 5:16 pm
- Has liked: 39 times
- Likes received: 356 times
Re: Private health insurance
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?
Do you have to sue him for compensation for medical expenses?
Or hurt your self while hooking the boat up?
-
- Rank: Premium Member
- Joined: Mon Mar 11, 2013 2:41 pm
- Location: malvern east
- Has liked: 14 times
- Likes received: 73 times
Re: Private health insurance
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
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
- mingle
- Rank: Australian Salmon
- Joined: Sat Jul 06, 2013 8:27 pm
- Location: West Gippy
- Has liked: 1 time
- Likes received: 8 times
Re: Private health insurance
Spot on...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
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.
- 4liters
- Rank: Premium Member
- Joined: Mon Dec 29, 2014 8:05 am
- Has liked: 6 times
- Likes received: 673 times
Re: Private health insurance
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.
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 Fisting Victoria Species comp total: 289cm
Brown Trout: 37cm
Flathead: 51cm; Squid: 36cm; Australian Salmon: 51cm; Snapper 46cm; Silver Trevally 23cm; KGW: 45cm
Major Sponsor: Rim Master Tackle
Brown Trout: 37cm
Flathead: 51cm; Squid: 36cm; Australian Salmon: 51cm; Snapper 46cm; Silver Trevally 23cm; KGW: 45cm
Major Sponsor: Rim Master Tackle
-
- Rank: Premium Member
- Joined: Thu Apr 26, 2012 5:16 pm
- Has liked: 39 times
- Likes received: 356 times
Re: Private health insurance
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.mingle wrote:Spot on...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
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.
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
- Fish-cador
- Rank: Kingfish
- Joined: Fri Jul 08, 2011 1:00 pm
- Has liked: 10 times
- Likes received: 105 times
Re: Private health insurance
some meds, bandages, lap dancer, KFC.smile0784 wrote:
Just out of curiousity what other cost were involved like anethitist cost that werent covered by insurance