Jump to content

Private v Public


  • Please log in to reply
6 replies to this topic

#1 simba2013

Posted 11 January 2013 - 10:48 AM

I have private health insurance that covers for pregnancy but I heard you still need to pay $4-5000 out of pocket expenses?? I don't want to pay that much!

Has anyone had their baby at North Shore Private, and how much did you have to pay out of pocket?

Also I'm considering going to Royal North Shore (Public) as a private patient (not sure it they will let me though), in that case how much would I have to pay extra?

#2 zingy

Posted 11 January 2013 - 11:03 AM

My experience and knowledge of this is;

The out of pocket expenses you mention are normally for the OB cost, not the hospital.

I delivered my first bub at the Royal North Shore Public as a private patient, not by choice but because I went into labour before 32 weeks. It was completely fine and they have done massive renovations since then too. The benefit of delivering at Royal Northshore Public is that they have the NICU facilities if you need them. They do not have high end NICU at private hospitals, just the Special Care Nursery.

It is your private OB cost that you need to limit if you don't want the big out of pockets.

You only get about $440 back from medicare for your OB. Some charge $2000, some charge up to $10,000.

You may as well deliver at Northshore Private as your OB out of pockets will be the same either way.

Just to be safe though, phone your private health provider and double check that you are completely covered for the private hospital costs.

The other thing to consider is that some private OB's don't deliver at public hospitals.

#3 simba2013

Posted 11 January 2013 - 11:36 AM

Thanks for your advice Zingy original.gif

I'm not 100% clear on what it means to be a private patient in a public hospital, it's so confusing!

Does that mean:
-you get a private room (if available)
-you can choose the doctor (but have to pay extra)
-you have to pay excess on the hospital stay
-All of the above?

Why do some people choose to go to a public hospital as a private patient (instead of just going to private), do they save costs this way? If the only out of pocket is for the obstetrician, then wouldn't you have to pay the same amount regardless of whether you're in public or private?

Also, is it possible to transfer to a private hospital after you have the baby?

QUOTE (zingy @ 11/01/2013, 12:03 PM) <{POST_SNAPBACK}>
My experience and knowledge of this is;

The out of pocket expenses you mention are normally for the OB cost, not the hospital.

I delivered my first bub at the Royal North Shore Public as a private patient, not by choice but because I went into labour before 32 weeks. It was completely fine and they have done massive renovations since then too. The benefit of delivering at Royal Northshore Public is that they have the NICU facilities if you need them. They do not have high end NICU at private hospitals, just the Special Care Nursery.

It is your private OB cost that you need to limit if you don't want the big out of pockets.

You only get about $440 back from medicare for your OB. Some charge $2000, some charge up to $10,000.

You may as well deliver at Northshore Private as your OB out of pockets will be the same either way.

Just to be safe though, phone your private health provider and double check that you are completely covered for the private hospital costs.

The other thing to consider is that some private OB's don't deliver at public hospitals.


#4 elmo_mum

Posted 11 January 2013 - 11:46 AM

some people choose to be a private patient at a public hospital, cos that is their closest hospi....but want the choice of their dr who they see at every appointment!!!

you MAy get a private room - if available! some public hospitals only have 1 or 2 private rooms

you should also be able to claim the cost of the tv...

with private hospitals, you have to pay a "deposit" to secure your place at the hospital (they too have number limits) - but you get that back when you deliver there. i dont think that you have to pay an excess in a public hospital

#5 w-emma

Posted 13 January 2013 - 07:25 PM

You are guaranteed a private room at North Shore Private- this was an important consideration for me.

#6 BronR

Posted 13 January 2013 - 07:46 PM

I have delivered one baby at a private hospital and one as a private patient in a public hospital.

Basically it will cost you the same either way. You will be paying your Ob for prenatal visits and pregnancy management. You will pay your excess unless, for example, your fund has an arrangement at the hospital, you will pay gaps for any other health professionals, eg anaesthetist, paediatrician (not 100% sure about this one in the public system as my baby was in SCN so a different case) regardless if you are a private patient in a private hospital or a private patient in a public hospital. Obviously if you are a public patient all this is free but you won't have an ongoing relationship with an Ob.

I in fact paid no excess when I went to the private hospital as my fund had an agreement with that hospital but I did have to pay the excess at the public hospital. As a private patient you still have to pay any other gap fees (eg anesthetiser if used etc) whereas if you are a public patient this would be free.

I went to the public hospital second time around because I delivered at 32 weeks so could not deliver at the private.

If I was going private I would go to the private hospital unless I was high risk. My second pregnancy became high risk so I transferred my booking from the private to the public hospital (and received my deposit back from the private hospital). I was then basically treated in the public system but still had my own Ob who delivered at both the public and private on the same campus. All other stuff to do with being high risk (weekly ultrasounds and other tests) were done publicly through Medicare.


#7 Mozzie1

Posted 13 January 2013 - 07:53 PM

QUOTE (simba2013 @ 11/01/2013, 12:36 PM) <{POST_SNAPBACK}>
Why do some people choose to go to a public hospital as a private patient (instead of just going to private), do they save costs this way? If the only out of pocket is for the obstetrician, then wouldn't you have to pay the same amount regardless of whether you're in public or private?

Also, is it possible to transfer to a private hospital after you have the baby?


I am having my baby in a public hospital, but using my private health insurance for my stay afterwards. I see the obstetricians in the public hospital (just whoever is available, but a private room will be covered after the birth.





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.