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
Bonds and Disney fans with babies to buy for will be celebrating this news. Bonds and Disney have just released collaboration Wondersuits.
When Naomi Holly, a mother of three, noticed her eight-month-old daughter Nora, was having difficulty crawling and standing up as normal, she knew there was something wrong.
There's nothing more frustrating, or distressing to a parent than a sick child who can't - or won't got to sleep.
Perth mother Laurie Rushton Dyble was sitting on a recliner chair in her home holding her six-month-old son when her husband suddenly told her to get up and leave the room.
While no one wants their partner to miss their baby’s birth, it can happen. Here’s what to do if you find yourself in that situation.
The #motherhoodchallenge sounds harmless, doesn't it? Some women disagree.
Last year, it was "The Dress". This year, it is a family photo that is breaking the internet.
So who's with me? You know meditating is one of the best things you can possibly do for yourself.
An Italian woman could face up to six years in jail after her husband accused her of not doing enough cooking and cleaning at home.
While most expectant mums know to stop drinking when they’re pregnant, experts now warn women should stop drinking earlier than that. Is this necessary?
If there's less than a slim chance you'll find time to get out for a jog or to hit the gym today, take heart in knowing that household chores contribute to the calorie equation.
Why don't we talk about the fact that when everything goes right, we may still feel completely lost, and certain that we have failed?
A shocked father has shared his family's experience in a bid to warn other parents about the dangers of hair becoming entangled around a baby's toe.
Since the 1980s, the Italian town of Ostana had not seen the birth of a single baby.
It's something that can be taught as early as possible and reinforced as they get older and more mobile - even from toddlerhood.
Meet the brand new understated chic model from Bugaboo.
It's been two and a half years since Heather Clark's seven-month-old son Lukas passed away.
One minute your productivity is skyrocketing and the next you're sitting there trying to focus – just like that you draw blank, your brain, mush.
Guess what? Despite not pushing him out, I cried, and my heart skipped, and I felt the rush of love and pride when I saw him for the first time.
Top 5 Articles
Labor frontbencher Penny Wong is used to to hearing arguments against same-sex marriage. But for Australia's most prominent gay politician, one hurts more than others.
Some things in life are inherently served with a big scoop of fun: balloons, bubbles, cupcakes to name but a few, but exercise?
She wanted a fresh colour for 2016, but instead she got chemical burns.
A Perth family has thanked US surfing "legend" Kelly Slater after the star saved a mother and a young toddler from "a freak wave" in Hawaii.
Tech giant instigates massive international recall of power point adapters due to risk of electric shock.
It's impossible not to share this little boy's excitement about the alphabet.
Like all tired parents, Monique and Kyle Ruppel were looking forward to the day their 15-month-old daughter Celia would start sleeping through the night.
An Australian mum who has shared the ups and downs of carrying quintuplets has welcomed her five babies into the world.
It was all too much excitement for this dad.
The way parents respond to their child's babbling can shape how their infants communicate.
The World Health Organization announced that it will convene an emergency meeting about Zika.
Baby Ebony was repeatedly failed by the agencies tasked with her protection before her horrific death at the hands of her father, South Australia's deputy coroner says.
Thirty-eight weeks or 39? Non-medical factors are pushing women to have elective caesareans earlier than official guidelines - and hospitals are playing along.
Two police officers delivered more than a traffic fine by the side of a busy Melbourne road yesterday.
One Direction's Louis Tomlinson has posted the first picture of his baby boy, Freddie, on social media.
Get your free ticket to the Essential Baby & Toddler Show and save $20 - register online now!