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
Get your free ticket to the Sydney Essential Baby & Toddler Show for September 25-27 - register online now.
Desperate, out of petrol and low on food, a new mother lit a fire in the hope of attracting attention.
The story was chilling and heartbreaking: a three-year-old boy was found dead in a Southern Maryland park, his mother pushing him on the swing.
Feeling fatigued? Uh-huh, thought as much. Join the queue.
For many new dads, their own child is the first baby they have ever held. So one dad has posted an instructive YouTube video titled "How to Hold a Baby".
She may be only eight months old, but Egypt has already amassed more than 100,000 fans and received a letter from royalty - Hollywood royalty that is.
Duke and Duchess of Cambridge have invited well-wishers to see Princess Charlotte outside church in Sandringham on day of her baptism.
Tongue and lip tie can lead to many problems for babies - and their parents. Here are the signs of tongue tie and how it's treated.
My daughter may be small, but it's my job as her parent to refocus back where it belongs - on who she is as a person
The government has issued a health warning after a rise in allergic skin reactions has been linked to a preservative found in some wet wipes.
Love may have won, but it came with quite the wait.
The family of missing boy William Tyrrell will mark his fourth birthday on Friday making a cake to share with friends and family as NSW police renewed their public appeal for information on his disappearance.
A picture of Ryan Reynolds always gets the girls talking, and a recently shared photo has done exactly that - but this time, it's for all the wrong reasons.
Thinking her baby just had an unusually shaped head, a mother was shocked to discover it was instead linked to a dangerous condition.
My toddler has started hitting when he gets frustrated, is feeling ignored, or just thinks it might be fun.
Transparency, accountability and responsibilityare essential measures to protect IVF vulnerable patients.
This day marks a significant day. Today marks 10 years since I lost my son Kai.
The happily ever after Nicola Milan had imagined wasn't to be – and she blames her mother-in-law.
Choosing a name for your little bundle of joy is always a major decision. It can be something traditional, trendy, creative … or inspired by the menu of your favourite chain restaurant.
It's been a whole year since sleeping in until 10am. A whole year since having a peaceful shower.
Over a 10-year period, 83 children died from domestic violence abuse in NSW, with three quarters of the victims aged five years or under, the NSW Ombudsman has revealed.
Dr Katie Heathershaw answers questions about jumping, toe walking, riding a bike and being pigeon toed.
From the moment that I fell pregnant with my son, I realised just how much my life had already started to change.
"I was terrified I would always be this way. The pill needs to come with a much higher warning."
Unfortunately, the belief that sex should always be spontaneous is a myth. It just isn't.
When it comes to newborn photoshoots, it is all about the timing.
Former All Black Jerry Collins' critically injured orphaned daughter has awoken from her coma and is able to bottle-feed.
One American father has taken multitasking to a new level at a Cubs-Dodgers baseball game at Wrigley Field.
Having lost their firstborn at one day old, the Carrolls were overjoyed to welcome their daughter Isobel into the world a year later.
The Studio host Sarah Harris doesn't mind if her first baby is a boy or girl, but she does hope it is born with one thing in particular.
Top 5 Articles
Ultrasounds give you a look at your growing baby ... and sometimes what appears to their womb-buddy, or your bub in an amusing position.
From 'morning sickness' to 'the terrible twos', there are many parenting terms that are misleading.
While most nannies take pride in their work, there can be some who have a hidden side.
Beware: skinny jeans might be bad for your health.
A number of women having caesarean deliveries are now taking steps to give their baby a better 'microbiome' start in life.
Jimmy Fallon, host of NBC's The Tonight Show, recently wrote a children's book about every father's secret wish for their baby's first word to be "dada" - not "mama".
Looking for some baby name inspiration for a bub born during the colder months? Here are 28 options from around the world to consider.
The uncle of the seven-year-old girl at the centre of the brawl at child's birthday party in Sydney's west has described the events leading up to the alarming show of violence.
More often than not, you'll read that screen time for children should be kept to a minimum - but some scientists are now challenging this way of thinking.
Natalie Reilly describes three main types of conversations mothers have. And, surprise, they're not all about kids.
A baby's smell, the noises it makes and even its gaze can contribute to the potential for a dog attack.
It was meant to be a tasteful cake to help celebrate a three-year-old's christening.
How many times have you been warned about all the sleepless nights you have to 'look forward to' when you become a parent?
A police officer arrived at a devastating scene on Thursday: a car crash resulting in all passengers being thrown from the vehicle.
Want to open the boardroom doors for women? Encourage - heck, praise - dads who stay home with their children.
Just two days after giving birth, actor Alec Balwin's wife posted a post-baby picture on social media.
Compliance is part of the parent-child relationship, but so is resistance. It's all natural.
The Baird government will include $22.8 million in Tuesday's NSW budget to expand a program designed to help parents at risk of postnatal depression (PND).
I'm really lucky to have two great kids, but I found it really tough with so much being aimed at the mothers and not the fathers.
Get your free ticket to the Sydney Essential Baby & Toddler Show for September 25-27 - register online now.