Jump to content
Private Health recommendations
11 replies to this topic
Posted 19 January 2013 - 11:41 AM
I have read a couple of threads on private health. We are with HBF and our costs are high so we are revisiting other options. I am aware that cheapest isn't always best, but also that you can pay more than you need to. I am currently printing cover tables from various funds to compare costs and benefits.
One issue for me is that a lot of funds are eastern states based, and am wondering how many WA providers are likely to be registered with them. Clearly HBF would be the one with most providers being local, does anyone have accurate information on which other funds have a good number of WA providers registered with them?
Thank you for your recommendations. :-)
Posted 19 January 2013 - 11:52 AM
We are with HIF which is WA based. We get optical, dental and 1 or 2 others, and pay about $80-90 a month. No hosp cover tho
Cant fault their customer service either, whenever we have an enquiry thry always answer within 24hrs (mon-fri)
Posted 19 January 2013 - 12:19 PM
I'm in Perth and we are with BUPA, they are Eastern States based but have good coverage here. If you go onto their website you can look under find a provider. I have never had an issue finding a provider through them. We have 2nd from top hospital cover and top essentials cover (so quite high) and ours is $200 a month. I looked at other options in Jan and found BUPA to still be the best for us, I think it was about $50 cheaper a month the HBF for compatible cover.
Posted 19 January 2013 - 12:21 PM
We're with GMHBA. They don't have any registered providers - as long as someone is a member of the relevant professional body, they pay. We apparently had a bigger gap for DH's neurosurgeon than if we were with HBF, but that's hardly a regular occurrence. Optical and dental benefits are better, and when we changed over, our family premium was over $50/month lower than HBF. Oh, and when I had DD, the hospital were having a dispute with HBF, so the day she was born, there were only 3 maternity patients, and DD was the only baby. They also have a reward system, so you get extra benefits for each year of membership - I haven't actually paid for my glasses at all for years, even though they always go over the official limit.
ETA, if you ever need to have medical treatment interstate for some reason, a less restrictive fund is beneficial.
Edited by SeaPrincess, 19 January 2013 - 12:22 PM.
Posted 19 January 2013 - 02:01 PM
Thanks for the replies, I am looking into the suggested funds and comparing :-)
Posted 19 January 2013 - 05:17 PM
We are with Australian Unity for hospital cover (who are based in Vic I think) and have not had a problem with them. We are with HBF for ancillary cover.
One of my jobs for this year (once our last baby is born in May) is to review our cover and see if it is the best for us. I have this site bookmarked for when I do this: http://www.privatehealth.gov.au/ This is the government site.
Good luck, it is so confusing isn't it?
Posted 19 January 2013 - 08:07 PM
We just signed up to Medibank, we compared them to a variety of other health funds and found that for what we needed cover for they were the best (we only have extras). Don't forget when you sign up you can haggle with them, get the price lowered, add in extras
Posted 19 January 2013 - 08:16 PM
we're with medibank for hospital and extras, they seem to be pretty up front with what you do and don't get. We haven't had any dramas with them, and the cover seems pretty good. My mum recently spent two weeks in a private hospital and only paid $130 for the drugs dispensed when she left.
You can adjust you premium depending on excess and co-payments, which is, again, pretty straightforward.
I had DS in a private with medibank - I freaked out a bit when I got a bill for the assisting surgeon for my ceasar, but when i opened it, it was only $32.00.
Posted 21 January 2013 - 04:59 PM
I've been with Medibank Private for years and found them cheaper and they pay higher benefits and higher limits than HBF (according to the comparison I did on privatehealth.gov.au) Their call centre is in Australia (I assume, or else they have excellent Aussie accents) and every time I've gone into a office, they are so lovely and helpful.
I recently reviewed our health insurance and my husband was with HBF so they were the two funds I compared. What concerned me with HBF was their co-payment fees on hospital stays on some plans. You have to pay an excess of $200 per admission plus $45 per day (max $270) for a private room. Having to find $470 would be a struggle at times particularly if you're pregnant after alot of other costs.
Posted 21 January 2013 - 05:02 PM
I'm now with BUPA after doing quite a bit of research last year. I found them the best in terms of what you get back - Medibank used to pay $25 of my physio and BUPA pay $55, and the level of cover is comparable. They've also been very easy to deal with.
Posted 24 January 2013 - 01:38 AM
GMHBA and have been for many many years, never any issues.
1 user(s) are reading this topic
0 members, 1 guests, 0 anonymous users
Your schedule is not important to your two-year-old, and you cannot convince her otherwise. So what can you do?
A child whose remains were dumped in a suitcase in the South Australian bush is believed to have been a girl aged between two-and-a-half to four.
An Argentinian mum and politician has caused a stir on social media after being filmed breastfeeding her baby.
It was 1am on a cold winter's night when I woke suddenly to the screams of my 12-month-old son. Our lives were about to change forever.
Inflatable and portable children's pools may be required to be sold with compulsory fencing to prevent backyard drownings, with some experts even floating the idea of a ban.
At 11.07am on April 2 this year, Sarah Marriott welcomed baby Sebastian into the world.
These kids' beds definitely fit the brief of providing personality and personal space for little people who are moving up in the world.
Since becoming noticeably pregnant, my son has taken more of an interest in the sibling he'll soon have.
In this age of political correctness, it seems the one subject still subject to discrimination is that of the Only Child.
A neighbour heard a child screaming before a baby was found dead, believed to have been stabbed, in a house in Newcastle.
So far, 206 Samsung washing machines have caught fire and some have exploded. But many remain in people's homes.
We all know that having a baby can turn your life upside down - and it can also bring a raft of new anxieties and worries.
Couples using IVF may be able to choose the gender of their babies and women could be financially compensated for donating their eggs.
Not too young, and not too old. That's reportedly the best age to get married. Not everyone agrees.
After giving birth, the last thing you want to think about is contraception. But you can get pregnant before your period comes back.
Parents of toddlers everywhere know the feeling. After working up the courage to take your child out for lunch or dinner in public you are rewarded with a mid-meal meltdown.
Two children were killed when pieces from their Malm furniture line tipped over.
If you're looking to introduce an organic element into your baby's nursery but want to step away from natural timber, we have the perfect alternative.
I am in no way qualified to advise women on how to cope with hyperemesis, but I've learnt some lessons that might be worth sharing with other partners.
Best friends share everything - and for these two life-long friends, that includes family.
Samuel Forrest didn't want his wife as a trustee of their baby Leo's half million dollar trust for her own "protection", it has emerged.
Men who become fathers experience weight gain and an increase in body mass index, a measurement of body fat based on height and weight, according to a new, large-scale study
She said the photo of a boy with Down syndrome in a washing machine was taken just for fun, but no one else was laughing.
An opulent high tea at a luxury Melbourne hotel has left 44 people with salmonella poisoning - including a pregnant woman, who went into early labour.
Would you know what to do in a fire emergency? How safe is your home and family?
Prince George's second birthday has been marked by the release of an official picture showing the toddler smiling as he is held by his proud beaming father.
Is it safe to use fake tan, hair dye and nail varnish during pregnancy?
The truth is, I can no longer deny that my walking, babbling, somewhat-independent little miss is no longer a bona fide 'baby'.
I'm not usually one who believes in love at first sight but that's exactly what happened when I first saw the Cybex PRIAM.
Get your free ticket to the Sydney Essential Baby & Toddler Show for September 25-27 - register online now.
Top 5 Articles
I believe that you get out of families what you put into them, and I will give mine my all.
I have had two postnatal psychotic episodes. The first when my eldest child was six weeks old, and another after my second child was born.
French names are always in fashion, but a few have risen in popularity in recent years.
A British woman who gave birth in Spain has told of her ordeal after spending weeks trying to convince medics the baby girl was hers.
Some friends of ours say that it's dangerous to have a dog around a newborn and that we should start looking for a new home for him. Is it?
First Apple and Facebook announced they would pay $20,000 towards the cost of their female employees freezing their eggs, now IBM in the US has come up with an innovative new policy aimed at retaining female employees.
The Duke of Cambridge opened up about family life and his plans for the future in an interview to mark his first day as an air ambulance pilot.
A simple photo taken in front of an evening fire gave new mother Sarah Bowers the power to save her baby's life.
Of all the advice people told me before having a baby, no one warned me about the amount of decisions involved.
Parents of toddlers all know the moment when realise your child is being suspiciously quiet. It can only mean one thing - trouble!
If you have trouble recalling the ages of Jeremy Ryan's seven children on The Voice, you're not alone. So does he.
Getting glasses can be a formative moment in a person's life.
When a mum of six was caught shoplifting nappies, clothes and shoes for her kids, the last thing she expected was for a stranger to pay for her haul.
The risk of having uncontrolled depression is far greater than the small increased risk of birth defects that may be associated with specific antidepressants.
Police have raided properties and arrested a number of people over a brawl at a child's birthday party at a play centre in Sydney's west.
Looking for a creative way to share some big news? Look to the skies, like this family did.
Little Owen DiCandilo's name means "young warrior", and it's a description that perfectly fits the inspiring 18-month-old
The exhaustion that comes with caring for young children often means romance between parents becomes a thing of the past.
I've been fat for pretty much most of life, besides a few crazy moments of being less-fat, but for the most part I've existed on this earth with a little more meat on my bones than desirable.
Since the dawn of civilisation, generation after generation of new parents have had to rely on instinct, trial and error - and sometimes get it wrong.
Get your free ticket to The Essential Baby & Toddler Show and save $20 - register online now!