Jump to content

Private Health recommendations


  • Please log in to reply
11 replies to this topic

#1 indy's guys

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. :-)


#2 ~kerry~

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)

#3 wintergirl

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.

#4 SeaPrincess

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.


#5 indy's guys

Posted 19 January 2013 - 02:01 PM

Thanks for the replies, I am looking into the suggested funds and comparing :-)


#6 Jaffacakes

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?  wacko.gif

#7 The Awesome One

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  wink.gif

#8 Ella'n'alex

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.

#9 HGL

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.

#10 rosie28

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.

#11 Cat©

Posted 24 January 2013 - 01:38 AM

GMHBA and have been for many many years, never any issues.

#12 miss*k

Posted 25 January 2013 - 10:16 AM

HBF for about 7 years now.





0 user(s) are reading this topic

0 members, 0 guests, 0 anonymous users

 

'My mum doesn't seem that interested in my baby'

Q: My mother and I have always been close, but now that I have a baby, she has not helped out as much as I thought she would.

This mum has donated over 2,000 litres of breast milk

The mother-of-two was diagnosed with hyper-lactation.

New guidelines: "Bottle-feeding mums need support too"

Breast is best, but mums who can't, or choose not to breastfeed need support too.

Call to teach kids about breastfeeding at school

The aim is to increase breastfeeding rates and reduce stigma.

Dads also struggle to 'have it all', study finds

Men and women both experience work-family conflict.

'Working for nothing': Childcare crisis pushes Sydney parents to the brink

Most parents are experiencing substantial difficulties with the financial burden and lack of availability of childcare, as costs have more than doubled for some families in just over a decade.

Language development may start in the womb

Study found babies can recognise foreign languages before birth.

Paying $2.50 for a babycino? This is why...

Aren't babycinos just a bit of froth? Not so, it seems...

I'm a stay-at-home mum who's an awful housewife

"Hey, come here a second," my mum said as she replaced the book in my hands with a wooden spoon covered in what I prayed was red sauce. Together, we walked into the kitchen and hovered over the skillet like we were peering into a crystal ball. Looking into my future, I saw me eating a lot of take away.

 
Advertisement
 

Top 5 Articles

Advertisement
 
 
 

From our network

Five things you need to know about flu and pregnancy

As the 2017 flu season begins in earnest, here?s what you need to know to protect yourself and baby.

Mum tips to keep your pre-baby budget in check

Money might be funny in a rich man's world (or so ABBA told us), but for the rest of us it's a major consideration – particularly before having a baby.

5 easy ways to make your maternity leave last longer

Maternity leave is a special time for you, your partner and your new little bundle. The last thing you want is for financial worries to stand in the way of that joy.

10 ways to keep your 'buying for baby' costs down

Becoming a parent is full of surprises – not least of all finding out that, for such small beings, babies cause a lot of chaos and expense.

5 ways to prepare to go from two incomes to one

Here are some ideas for getting that budget in shape, ready for being a one income family.

 

Baby Names

Need some ideas?

See what names are trending this year.

 
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.