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

 

Australia's top baby names of 2013

Essential Baby has compiled the data available from government records around the country to bring you the list of Australia's top baby names of 2013.

Sara James: fighting for my daughter

Sara James was a high-profile New York journalist, but it was her own daughter's story which raised the most questions.

Siblings and best of friends

I know we'll have some tense moments. I know there will be arguments. But I also know these two will always have this most beautiful bond.

In defence of mums on the phone

I know news stories always attract a range of opinions, and I know they're a place for people to have an anonymous dig in. However, I also know that this mum bashing has to stop.

Rescue dog Zoey and BFF Jasper star in adorable pics

Photographer, self-professed "crazy dog lady" and mum Grace Chon takes photos of rescue dog Zoey and her 10-month-old son Jasper together. The results are just too cute. See more on Instagram @thegracechon.

Pregnancy essentials for the second and third trimesters

So you're through the first trimester of pregnancy - congratulations! Here are some tips for getting through the next six months as comfortably and happily as possible.

Coles Easter eggs recalled due to presence of tree nuts

An allergic reaction has lead to the urgent recall of a variety of Coles brand Easter eggs.

The ultimate travel stroller: the Mountain Buggy nano

We tried the Mountain Buggy nano and give it an enthusiastic thumbs up. As the ultimate travel stroller, it's practical, has great features, and looks fab, too.

Why I love the small age gap between my kids

Six months after our son turned one, we welcomed son number two into our lives. Yes, the small age gap had been planned - and there are things I love and hate about that small gap.

Parents warned about posting kids' photos online

Parents could be putting their kids at risk by posting images and information online which give away personal details, such as where they go to school and which parks they frequent.

Easter gifts for babies, no chocolate in sight!

If this is your little one?s first Easter you might want to mark the occasion with something a little extra special. Here are 10 Easter gift ideas, which won't harm little teeth.

Mum's the word when it comes to baby news

The arrival of a baby is big news, but friends and family need to understand it is not their news to share.

What?s in your parenting toolbox?

So often as parents, we don?t really talk about our ?parenting toolboxes?. But you need to be aware of what you and your partner are working with, and to decide what does and doesn't fit in your lives.

Classroom pregnancy prank goes viral

An American college professor has had to rethink his strict rule about answering cell phones in class after being the victim of an April Fools' prank that has gone viral.

Download now: Essential Kids Activity Finder app

Got bored kids? Quickly find the best activities for kids wherever you are in Australia with the Essential Kids app.

 
Advertisement
 
Advertisement
 
 
 

What's hot on EB

Win the brand new phil&teds vibe

Check out the good looking new release of the Vibe 3 and the Verve 4-wheeler inline strollers. To celebrate their release, we have a Vibe with double kit to give away.

Baby sleep

From birth to one year and beyond, read about baby sleep, soothing techniques, routines, and sleep school experiences.

Australia's top baby names of 2013

Essential Baby has compiled the data available from government records around the country to bring you the list of Australia's top baby names of 2013.

Video: Dad turns son into action movie hero

Many kids would love to be an action movie hero in real life, but very few will ever be able to see themselves in movies like these.

Toilet training in winter

There?s no need to stop thinking about toilet training just because the temperature is dropping: winter is a good a time as any to start the process.

What do you do all day?

It's the question all new mothers dread. For Kate Fridkis, it's a question that strikes to the heart of what it is to be a woman.

Easter gifts for babies, no chocolate in sight!

If this is your little one?s first Easter you might want to mark the occasion with something a little extra special. Here are 10 Easter gift ideas, which won't harm little teeth.

Video: Baby starts his day with a dance party

Few people start their day the same way this little guy does ? dancing, smiling, and generally having an awesome time.

IKEA announces bed canopy recall

IKEA has recalled its range of bed canopies designed to suspend above children?s beds following reported cases of injuries and entanglement.

 

Free Printable Activities

Keeping little hands busy

Free printable acitivity pages like colouring in, cutting, word finders, mazes, maths activities and puzzles.

 
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.