do any of you less socialist older types have any advice for private health cover?
gummints gonna persuade me to join one now i'm apparently old. bhastards.
do any of you less socialist older types have any advice for private health cover?
gummints gonna persuade me to join one now i'm apparently old. bhastards.
we will loose
my advice is that it's massively shit and you pay lots of money and get **** all in return - unless you're planning on dental or any of that sort of shit then get the minimum cover that gets you out of paying extra tax
we're on top cover as we're going through a few things and it is utterly shit how little you get back
yeah, that's pretty much my view from the outside
i know a guy who reckons it pays for itself, but he only gets normal shit done so i think his maths are slightly challenged.
last year i had $200 and $500 worth of dental, and the secretary was trying to give me some lecture on private cover. if i had it, i'd only get 50 odd % back anyway, and pay $800+ a year for the privilege. unless i get royally destroyed somehow, it's a waste of money.
****ing thieveing governments subsidising a shitty industry for idiots with policy. why not just tax me harder,and hold onto the money for someone who needs it. instead, my money pretty much goes to some rich **** who's ****ed themselves up and investor dividends. cunce.
we will loose
amen
Originally Posted by SuperDyl
i've probably missed about 100 gaffs he's made in the past, but does anyone else like malcolm turnbull? seems like he's one of the few pollies out there who actually has his head screwed on.
I haven't bothered to do figures or anything but I'm on private health insurance, and we went through a private hospital & obgyn for our newborn.
I wouldn't trade the experience for anything, the private setup was unreal.
But like I said, I have no idea how much the experience would have costed without the insurance.
Other than that, we rarely have a need for it.
OK
worth having if something shit happens to you, but for other shit it's really pretty useless, you burn through the extras pretty quick if you need extended physio. i have ongoing drugs that i need to take so i get like 350 a year towards it which covers off my meds, and the optom allowance covers my contacts for the year. that's about it. i'm with lysaght peoplecare btw
if you're planning on kids (), you'll need to get it a fair while ahead of when you plan to knock your mrs up or they'll sting you with some heinous costs
health insurance doesn't cover IVF
only thing you get is cash back on a hospital admission for any procedures as part of IVF
which is quite ****ed
Yeah I'm with pv4.
Plague Jnr spent a fair bit of his early days in the ICU, as well as ongoing specialists.
Old love told us it was in the vacintity of $1,000 per day normal rates.
Suffice to say we got our money's worth.
Add to that getting to have him at the private hospital and yeah private insurance is the bizness.
Serious though now that there will be no more kids I'm scaling that shit back to the bare bones.
If you are planning on getting private health insurance, I asked a friend who works for NIB about best options. And he told me that BUPA is by far and beyond the best option.
So we went with BUPA, and haven't had any issues. But I will confess I leave this all to the mrs, so have never shopped around for better deals or whatnot.
Minor thing but I did realise in our ante-natal class that everyone with BUPA didn't have to pay, but non-BUPA people had to pay $200-300. Just one thing I've noticed.
And yeah as q said - for pregnancy hospital cover I think you need it for 3 months before getting knocked up, as you need to have had it for a year before using it.
OK
My first born we did with private health cover. Great experience. OBGYN was lovely, he was born in a lovely hospital (Westmead Private) and it was great. Here is the catch. Private health insurance covered us for OBGYN, Hospital, etc. Did not cover us for the full amount of the anesthetist which we forked out for (My wife is tiny, not made for babies), and there was always the gap, and the excess which had to be paid also. Be aware the blood tests in the private system are also occassionally excluded from bulk billling they would otherwise do. My wife also had 3 hospital admissions during the pregnancy which also added up for our outlay after the health insurance.
My second child (Due this coming friday) has been a public system baby. Will be born at John Hunter Hospital, elective caesar like last time, have had the same OBGYN or Midwife (Occassionally both) during every appointment, so we don't have to explain everything every time. And my wife is up to 5 admissions this time round as of last Tuesday. I would go as far to say our experience in the public system has almost been better. The communication between westmead general (2nd admission) and JHH (admission 1, 3, 4 & 5) has been fantastic, as well as the follow up from the midwives and the OB team.
The difference between the two is that I was about $3000 out of pocket for the first pregnancy, and I have not paid a cent this time. Private health is a scam. Ramsey health facilities can barely claim to provide better care, what you are really paying for is better surroundings when you are sick. If shit hits the fan chances are you will be in a public hospital anyway (Like my wife's week stay in ICU during the first pregnancy) and it wouldn't matter if you public or private they would treat you exactly the same.
I am also a health worker and have to say that you are more likely to have appropriate staffing levels in a public hospital than in a private, although this is a generalisation from my own working experience and not based on actual research.
The other thing is I don't particularly think that paying a 1.5% surcharge is such a bad thing. Helps the system that helps you, and in most cases it is probably cheaper than paying for health insurance, unless you are at the upper end of the scale. be worthwhile looking at: https://expertsystems.ato.gov.au/scr...ms=Individuals to figure it out.
Levy's are a great form of taxation because you actually know where the **** the money is going.
Last edited by Blackmac79; 29-06-2015 at 06:36 AM.
Go jetties
With the public system BM, how quickly will they push you guys out the door? I guess being a caeser it'll be a bit longer than a normal birth. But in public they push you out the door pretty quickly, yeah?
We had a normal birth and got to stay in our private hospital for 4 nights. Caesers get to stay in for 6-7 nights. Partners get to stay in the room too - I didn't leave the place. Whenever we had an issue, we pushed the green button and a midwife helped us handle it. It was so good.
I don't even want to begin to think about how we would(n't) have coped if we had been pushed out after 1-2 nights, like I hear public systems do. But I'd be pretty confident that a second baby would be a completely different story, and far easier than the first in that respect.
OK
We had all 3 public. 1st natural birth and were given 2 days but with a shared room we bounced after 1 day, though ot took 8 hours to get a doctor to sign us out.
2nd we changed hospitals as we heard great things and ended up in an emergency c section but were given 5 days, a private roon and all the mod cons you could want. Left after 4 days though
3rd we had to go back to nepean as Katoomba will not do VBAC or elective Caesars. After yhe very shit pregnancy and elective c section due to baby not dropping we transferred out of nepean back to katoomba for post natal care as nepean would only give us 48 hours stay and katoomba a whoke week.
John Hunter is also one of the best birthing hospitals in the state. Both my niece and nephew were birn their and my sister was waited on like a queen.
As far as economics goes he's absolutely clueless.
As far as buying stock in Ozemail and selling them for a massive profit he's the man.
His political leanings are that he is a conservative and believes all wealth should be concentrated in as few hands as possible.
So if you want someone to widen the gap between rich and poor and build a society based on privalige rather than performance then Mal's your man.
He'd still make a better PM than Shorten because Shorten pretty much agrees with everything Turnbull stands for yet Turnbull doesn't pretend to be a representative of the average Australian.
Turnbull comes across as one of those dudes who made a lot of money along the way and all the while didn't give a **** how he got and who he took it off.
Then he came to the point in his life where he realised that no one really likes him so he pretends to care about social issues in order to be loved.
All of these things add up to everyone having a reason to vote for him, and a reason to vote against him.
Still though, having someone willing to at least be genuine instead of the career pollies we tend to get is refreshing.
yeah i remember there being a fair bit of talk about his wealth and contempt for the common man etc. but it is refreshing to hear a genuinely intelligent politician talk his mind, whether you agree with his opinion or not. he never sounds scripted.
on the subject of the liberals, they really have seized the opportunity to stick the knife into the ABC haven't they? it seems as if they've been waiting for a slip up like this for a long time.
you've got to say the ABC hasn't done itself too many favours with the way some of their hosts have defended the mallah incident. turnbull destroyed barrie cassidy on insiders the other day.
To be fair though when Labor was last in they tried to change media laws in a direct go at News Ltds treatment of them.
They all as bad as each other, and none of it is right.
I agree on the Turnbull stuff, and I don't know whether he was ever unpopular, but it's just a natural barrier people put up when reading the words "wealthy banker". Compared to a lot of other pollies he seems fairly balanced in his view of the world.
Sadly the only way to get to the top in politics is to make a lot of deals and grease a lot of wheels on the way up, it's the way the system works. And once there you gotta repay the favour or else you'll be turfed for someone that will ('sup NSW labor).
It's a shitty game and generally the shittiest people excel at it.
old mate turnbull's too left for the right and too right for the left
someone should make a graph of the level of sensible discourse on this thread
But that QandA tripe is just a lefty hippy feel good show. lol
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