Jump to content

Out of pocket private hospital costs
While in the hospital


  • Please log in to reply
4 replies to this topic

#1 ausbokkie

Posted 06 January 2013 - 08:39 AM

I am booked into Jessie Mac. At this stage I am very confused by what I will be up for upon checking out from hospital after the birth. My private health fund don't do no-gap but will pay 125% of any specialist costs but I'm just wondering in real terms what I might end up paying. Are we talking hundreds or thousands? I just feel I need to be a bit more prepared!

At the moment I know about the excess and ob fees. Can anyone help me with an idea of:

- out of pocket for pain relief such as epidural
- out of pocket if I need a caesar/emergency caesar
- out of pocket if baby needs to be admitted to special care nursery
- pediatrician
- anything else I haven't thought of

Thank you for your help!

#2 MuminMtEliza

Posted 06 January 2013 - 09:10 AM

Hi OP, I had my DS and DD at Jessie Mac. For my DD which was just over a year ago, I had out of pocket charges for blood tests and some scans. I was in hospital for a fortnight before she was born. She was delivered by caesar, although planned was classified as emergency as they performed the op on a Saturday (decision was made late Friday night due to my medical condition). I never had a bill for the operating theater, epidural, second Dr required for the theater etc. Am assuming they were covered entirely by the health insurance company. There were charges for a pediatrician (who attended the Caesar then looked after DD for 7 days as she was in Special Care Nursery). There were no additional charges for the SCN stay and they provide nappies and formula if required. The paed charges were covered by the health insurance. Good luck.


#3 Soontobegran

Posted 06 January 2013 - 09:18 AM

Your hospital stay will be 100% covered, this is what PHI pays for, what they don't pay is the doctor's bills, medicare will rebate you for these but for most there will be out of pocket expenses as most charge way over the scheduled fee.
You will not pay out money as you leave the hospital unless there is perhaps a pharmacy fee but once you are home you will start getting bills from your anaesthetist , assistant surgeon and paediatrician if you need them.
Your Obstetrician's fees may well be all paid up depending on his/hers particular management plan but it's best to ask his rooms for this information.

If you have a straightforward vaginal delivery you will not get any of these 'extras' and you should only be paying your management fee.
If you have a baby who needs to go to SCN and you are private in a public facility your baby can be admitted as a public patient if you wish and there will be no cost.

Most people find the costly bill aside from the Obstetrician is the anaesthetist with there often being an out of pocket of well over $1k. sad.gif I think on average my girls have been out of pocket for their recent pregnancies about $4k (some less, some more) One had a C/S, one had an epidural.

#4 Melanie_81

Posted 06 January 2013 - 06:30 PM

It's all very confusing as it depends on what PHI you have and what arrangements your ob has! We paid an excess of $500 for the hospital stay, paid around $1000 for the anaesthetist as I had an epidural. Medicare and our PHI provider covered some of this (not much!). No bills for painkillers like pethideine etc. Our ob had previously charged a pregnancy management fee, so that covered all his charges that would have accumulated during the birth. My private hospital has no SCN Bubs in danger are transferred to nearest public one, so cost of transport is not included but is covered under ambulance insurance. Hope that helps! Do chat to the person in your Obs rooms which does the billing they should be able to give you an estimate. Ours send out an info sheet detailing the costs. Good luck!


#5 FizzlingFireboxes

Posted 06 January 2013 - 06:37 PM

I wasn't at your hospital but at another private hospital.

I paid my excess for the hospital stay, OB's management fee, in our hospital babies are seen by a paed I received a bill for this which was a couple of hundred, bills for babies blood tests which was probably just over $100, no pain relief cost but I did speak to ladies who had epidurals which paid around $1500, I also had an allergic reaction to antibiotics given to me and was charged for medicine to take home all $14 lol




0 user(s) are reading this topic

0 members, 0 guests, 0 anonymous users

 

How an inquest into one stillbirth is saving lives

A ground-breaking court case that has focused solely on one stillborn baby has already helped to save the lives of other babies.

Get them into reading early with a Nouk book subscription

There's no bonding activity quite like reading to your baby or toddler, and all the signs point to it being important for social and literacy development as well.

I don't want my husband to go on a buck's trip

My husband's best friend is getting married and has planned a men's bachelor party.

The celeb parents who needed a mediator to stop fighting over baby names

Deciding on a baby name can be a fraught experience for many parents.

May Gibbs' 'Gumnut Babies' turns 100 with a special edition, coins, stamps and more

It's time to celebrate the centenary of May Gibbs' very first book release, Gumnut Babies.

African baby names

We have some absolutely gorgeous selections of African baby names for you to consider for your baby.

The mum who retrained to became a plumber

One company refused to give her an apprenticeship because they believed she would be too much of a distraction to the males. 

Meningococcal meningitis: signs, treatment and prevention

What is meningococcal meningitis, why does it occur in seasons, and why does it strike fear into the hearts of so many?

I was scared of the dentist ... and my son paid the price

It was a moment where I could certainly learn from his behaviour, and not him from mine.

Family of toddler killed by alligator at Disney honours his third birthday

The family told supporters that they wanted to celebrate the boy's "first birthday in heaven".

For the festival lover in all of us

Pre-book & Save 50%. Get your tickets now for Kidtopia Festival. 7-9 October 2016 Parramatta Park, Sydney.

7 tips to help you prepare your home for parenthood

Prep your home to make becoming a new parent as stress-free as possible.

Fatherhood to the beat of Daniel's drum

Daniel Gibney knew fatherhood would change him, but he didn't realise it would lead to a global business venture for his family.

A case of gastro and the mummy mean girls

I don't blame any first-time mother who is terrified of her or her baby catching gastro, but it will find you eventually.

Zooey Deschanel's cake smash fail for daughter Elsie

"I kept seeing on the Internet, 'You gotta make a smash cake for your one-year-old,' so I'm like, 'I'm making this cake just so she can smash it.'"

Five things mums should never do

Although I preach the "each to their own" method of parenting, it's unavoidable to have those moments of panic.

Mum allegedly 'groped' while holding toddler in Sydney pool

A mum has told of her horror after she was allegedly sexually assaulted while at a swimming centre with her two young children.

'It whacked me': Michelle Bridges on sleep deprivation and returning to exercise

Michelle Bridges knows a lot about health and fitness, but when she became a mum she had to learn a few lessons the hard way.

 
Advertisement
 

Top 5 Articles

Advertisement
 
 
 

What's hot on EB

Win a Hawaii beachfront resort holiday for two!

Enter now for your chance to win 1 of 4 trips for two to Hawaii, staying at Outrigger resorts in Waikiki.

For the festival lover in all of us

Pre-book & Save 50%. Get your tickets now for Kidtopia Festival. 7-9 October 2016 Parramatta Park, Sydney.

 

Vintage Toys

The toys of your childhood

Take a trip down memory lane with these vinage and retro toys that you may have had in your childhood or your parent's childhood.

 
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.