Jump to content

Health fun?
i need something better than HBF!


  • Please log in to reply
8 replies to this topic

#1 stressnless9

Posted 28 November 2012 - 06:37 PM

Hi all

What health fund do you use for things like maternity,dental,glasses,chiro?
what does it cost you?
how much does it cover?

at the moment it costs us $87 per fortnight
we get $300 for chiro & physio combined per person per year
I got glasses that cost $500 all up HBF only cover $100 of that.
maternity cover was really good only had to pay i think $100 for 6 nights in private hospital.
we are both going to need dental work done shortly (i think i just need a filling) but DP needs some pretty major work!!
i really havent used it all that much except glasses and the maternity- which i want to keep as ill be having another 1 at some stage!

i have had heaps of people tell me HBF is not very good compared to other funds?

#2 adnama

Posted 28 November 2012 - 06:46 PM

We are with people care. Gold extras and a hospital package (not sure which one)

But my glasses cover is $300/yr so my glasses this year i was out of pocket $35


#3 madmother

Posted 28 November 2012 - 06:52 PM

HCF has been fantastic for all our needs.

We even checked with Select and they told us to stay with them!


check with iSelect.

they will ask lots of questions and compare.

#4 stressnless9

Posted 28 November 2012 - 07:04 PM

Oh yes forgot about iSelect! thank you!

#5 SeaPrincess

Posted 28 November 2012 - 07:06 PM

I'm in WA and left HBF years ago. We are with GMHBA who do not advertise with iSelect anymore. At the time we changed, equivalent cover cost $50/month less than HBF and the benefits were the same or better for nearly everything.

Optical cover is $250, but they have a reward system, so I haven't paid anything for my glasses for the past few years even though they cost more (I think my last ones were about $400)

#6 EsmeLennox

Posted 28 November 2012 - 07:20 PM

If you are only paying $87/fortnight then you must have a fairly low level of cover, hence your crap rebates. The lower levels of HBF do have some pretty shocking rebates for ancillary cover.

It's sixes and sevens I have found. We are with HBF and I did shop around a while back and found that isome funds we would pay a lot more for similar cover and in others we would only save a couple of hundred a year, which wasn't worth it for us when we have orthodontic treatment coming up and the longer you are with your fund the better the rebates on that.

But you really have to look closely at what's important to you - for us major dental was a huge consideration and we got better rebates with HBF and had length of membership on our side.

What I would like to see though is more companies come out with options like knocking off maternity or other services that you'll never use to get a discount.

#7 JazzyWeasel

Posted 28 November 2012 - 08:15 PM

Agree you must be on a low cover.
We are with HBF and pay $125/ fortnight. We shopped around a few months back and HBF was still better for us.

#8 stressnless9

Posted 28 November 2012 - 08:27 PM

maybe i am? ha ha i havent paid that much attention i must call them tomorrow and up the cover then! then compare with others.

we now do need pretty much the highest cover possible because 1 child perhaps could need dialysis if condition doesnt get under control and stay in control over next yr or so..


#9 jayskette

Posted 28 November 2012 - 08:32 PM

For extras I tend to not even bother with cover, as the payment you get back is very miniscule. esp for Dental. You are better off saving up and then use a interest free plan like GE Health, you get no interest for up to 36 months after the procedure.

Also for cover, do you have a corporate plan? You could also apply for a corporate plan as a spouse.




1 user(s) are reading this topic

0 members, 1 guests, 0 anonymous users

 

Funny Father's Day cards

A little fun never goes astray when celebrating special occasions and Father's Day is no different. We've rounded up some funny Father's day cards for your husbands, fathers and other important men in your lives.

Electronic tags may keep newborns safe

The possibility of using electronic bracelets for mothers and their newborn babies is being investigated by Adelaide's Women's and Children's Hospital. 

Baby steps: when your little one starts walking

As a parent there are so many milestones to look forward to. That first smile, first word - and, of course, that first step.

Julia Watson's new book 'Breakfast, School Run, Chemo'

Tomorrow my friend Julia launches her first book. And while we're all overjoyed, the success is tinged with sadness. You see, Julia has stage 4 bowel cancer.

How not to name twins

Call me boring, but I don't think that when it comes to choosing my twins' names is the right time to use a good pun.

Fun Sunny Life pool inflatables just for babies

The babies of 2015 will thus be thrilled to paddle their happy baby legs in these brand new flamingo and swan baby inflatables.

Baby and bulldog born on the same day are best friends

When Chicago mum Ivette Ivens saw a French bulldog puppy who had the same birthdate as her son Dilan, she "just knew it?s meant to be" and took him home. Five months later, puppy Farley and Dilan are the best of friends - as Ivens says, "I?m pretty sure Dilan thinks they?re both the same species, as they walk at the same level and are both going through the stage of chewing on everything.?

Breastfeeding basics for beginners

Here are 10 tips to help make breastfeeding successful and stress free for both you and your baby as quickly as possible.

Girl smothers baby brother with peanut butter

This mum had a big clean up job on her hands.

How to hide those under eye shadows

Pandas are the only ones who benefit from under-eye shadows. If you're not fluffy and cute, you'll just look tired.

Young mum dies after being denied pap smear

A mother has died after she was denied a pap smear because she was deemed "too young" to need it.

Birthday cakes banned at childcare centre

A childcare centre in Sydney has banned birthday cakes after parent complaints about excessive sugar and children with allergies being left out.

Triplet surprise for newlyweds

As the radiographer moved the wand over her abdomen, Shelley King got the surprise of her life.

3 yummy Thermomix baby and toddler recipes

Louise Fulton Keats shares her recipes for babies and toddlers, including corn and sweet pikelets, pumpkin and pea risotto, and cheesy bunny biscuits.

Man arrested over toddler Nikki's death

A 31-year-old man has been arrested over the death of two-year-old Nikki Francis-Coslovich in Mildura.

Adoption ban on pregnant women to be lifted

Pregnant women will no longer be barred from adoption waiting lists in NSW, after the Baird Government decided the practice was discriminatory.

Are you getting enough magnesium?

Magnesium is the fourth most abundant mineral in the body, but we don't talk enough about it and the vital role it plays in great health and energy, as well as disease prevention.

5 workplace lessons for new parents

Take heart in these principles that will transfer seamlessly from the workplace into your new life as a parent.

Mums to follow on Instagram

A creative outlet for many, there are some savvy women complementing their blogs and businesses with riveting Instagrams feeds. We've chosen a few which have bucketloads of appeal; there are some big time players and some smaller local ones, and they each bring their special brand of magic to the Instagram experience.

Review: The Volvo 2015 XC90 SUV has all the safety features your family needs

The new Volvo XC90 SUV's focus on keeping you safe does not come at the expense of comfort in the XC90.

Kim Kardashian reveals she may have hysterectomy

Kim Kardashian has revealed complications during pregnancy means she might have to have a hysterectomy after the birth of her second child.

Why late night snacks wreak havoc on weight loss

 Loath as you may be to admit it, chances are that at some point you have found yourself in the kitchen late at night, devouring food.

Toddler twins pretend to be asleep to fool mum

They say twins have a unique connection. If this cute clip is anything to go by, these toddler sisters like to use their special bond to try to fool their mother.

Dad bags: 10 picks for out and about

Getting out of the house is a big priority in the early years of parenthood and you need to take a well-stocked kit with you. We've chosen 10 of the best nappy bags sure to appeal to dads in style and function.

Win a Mountain Buggy Swift

To celebrate Essential Baby reaching half a million Facebook fans, we have a Mountain Buggy Swift to giveaway to a lucky fan.

Get your FREE Baby & Toddler Show ticket!

Get your free ticket to the Sydney Essential Baby & Toddler Show for September 25-27 - register online now.

 
Advertisement
 
Advertisement
 
 
 

What's hot on EB

Dads who do their share have more sex: study

For women trying to encourage their partners to take more interest in fatherhood, it could be the ultimate incentive.

Think you might have IBS, coeliac disease or Crohn's?

Conditions affecting the gastrointestinal tract are common in modern humans, and many are on the rise - including irritable bowel syndrome (IBS), inflammatory bowel disease (IBD) and coeliac disease.

Couple poses for newborn shoot with adorable puppy

Tired of being asked about their baby-making plans, Australian couple Matt and Abby decided to give a creative answer.

The exercises you know you should be doing (but probably aren't)

I bet your to-do list today is long. But somewhere on that massive list, are you making time for your pelvic floor?

This baby really loves the family cat

Some babies get excited when mum or dad come to get them from their cot after a nap.

Designer kids clothing good enough to eat by Oeuf

Even if you aren't heading to the Northern hemisphere in the next six months, you can't help but love the amazing food-themed knits for babies and kids by cult kids brand Oeuf.

Early exposure to peanuts recommended for allergy prevention

A paediatricians' group is recommending that infants at high risk of peanut allergies be given foods containing peanuts before they turn one.

Home brand foods contain less salt than pricier rivals

Supermarket home brand foods, long derided as cheap and inferior, contain far lower levels of salt than pricier, branded rivals, new research shows.

Nannies for hire, wherever you're flying

Ever dreaded the prospect of a long flight, dreaming about how wonderful it would be for a nanny to entertain the kids?

Couple poses for newborn shoot with adorable puppy

Tired of being asked about their baby-making plans, Australian couple Matt and Abby decided to give a creative answer: with an unusual photo shoot with their 'baby', a groodle (poodle/golden retriever cross) named Humphrey. The talented Elisha from Elisha Minnette Photography caught all the precious shots.

Is it okay to name your baby with a sense of humour?

My husband was sure that Danger was a good option for a boy. And as the pregnancy progressed, it actually started to sound really good.

Woman gives birth after having her own mother's uterus transplanted

In a world first, a healthy baby has been born from the same womb that nurtured his own mother.

So hot right now: double-barrelled baby names on the rise

It's one way to make your baby stand out from the pack – giving them not one, but two first names.

Second time around: is it really better the devil you know?

When I fell pregnant with my second child I was, naturally, very excited. Then it all started to come back to me - and I freaked.

Shopping with kids: breaking the pester-power cycle

You're out shopping with your little one and they're incessantly whining that they want a treat. It's easy to say no ... the first time, at least.

How did we have babies before apps came along?

Three months ago, my wife, Chrysta, and I were driving along Melrose Avenue in Los Angeles when she let out a harrowing cry.

When your toddler disagrees

There comes a time when your child starts having different views to you. I didn't realise that time would come so soon.

Win a Pacapod this Father's Day

To celebrate dads and families, we are giving away a Picos Pack from Pacapod Australia filled with a few extra goodies ENTER NOW

 

FREE TICKET

Discover the magic of the LEGOŽ DUPLOŽ Play Area in Sydney

Get your free ticket to The Essential Baby & Toddler Show and save $20 - register online now!

 
Advertisement
 
 
Essential Baby and Essential Kids is the place to find parenting information and parenting support relating to conception, pregnancy, birth, babies, toddlers, kids, maternity, family budgeting, family travel, nutrition and wellbeing, family entertainment, kids entertainment, tips for the family home, child-friendly recipes and parenting. Try our pregnancy due date calculator to determine your due date, or our ovulation calculator to predict ovulation and your fertile period. Our pregnancy week by week guide shows your baby's stages of development. Access our very active mum's discussion groups in the Essential Baby forums or the Essential Kids forums to talk to mums about conception, pregnancy, birth, babies, toddlers, kids and parenting lifestyle. Essential Baby also offers a baby names database of more than 22,000 baby names, popular baby names, boys' names, girls' names and baby names advice in our baby names forum. Essential Kids features a range of free printable worksheets for kids from preschool years through to primary school years. For the latest baby clothes, maternity clothes, maternity accessories, toddler products, kids toys and kids clothing, breastfeeding and other parenting resources, check out Essential Baby and Essential Kids.