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.
0 user(s) are reading this topic
0 members, 0 guests, 0 anonymous users
Women shoulder the time-intensive and routine tasks - and they're also more likely to do the least enjoyable tasks like scrubbing the toilets versus washing the car.
Does giving children food as a reward turn them into emotional eaters?
Two photos of mums have shown the world the physical impact of exhaustion in all its frazzled glory.
Pregnancy announcement videos have become so popular they're becoming businesses all their own, with YouTube compilations, Pinterest pages and morning television segments.
It's an idea that makes some people feel excited, while others shudder at the increased difficulty.
A terrifying car crash that left Danni Bett lying in hospital in a neck-brace wasn't enough to stop her from breastfeeding.
A Welsh couple have realised their newborn has a striking resemblance to a certain celebrity chef.
An adorable toddler and his toy truck in a photo series that'll melt your heart.
I want my children to grow up and know it's okay to feel strong emotion and to display it. Vulnerability and imperfection do not equal weakness.
For your own husband's parents not to come to your wedding is an utter embarrassment.
A teenage boy has undergone surgery to remove a foetus, complete with hair, legs, hands and genitals, removed from his stomach.
Even one-year-olds can be very exploratory, experimental and creative.
The short and long term consequences of controlled crying are under the spotlight with new Australian research suggesting no harm results from the practice.
If the tooth fairy takes teeth away, it must be something like a goblin who brings them in the first place.
Three-year-old Henry died in February this year, just a few hours after falling ill.
A Saudi man has been arrested after shooting the male obstetrician who delievered his baby because he was unhappy the doctor had seen his wife naked.
First, baby Zyla tried her trick on cushy, beige carpet.
How often have you been told "Just give your breastfed baby a bottle of formula at bedtime to make him sleep"? But does it work?
She might be a Hollywood superstar, but the gorgeous Anne Hathaway feels just as self-conscious as other new mums trying to get back in shape after having a baby.
In a moving 3000-word Facebook post, Dan Majesky has shared a painful journey of infertility, with a big surprise at the end.
Facebook has come under fire after banning an ad featuring Tess Holliday, a plus-sized model, wearing a bikini.
It was a moment filled with joy but tinged with sadness.
Top 5 Articles
Bethani Webb was excited to find out she was pregnant, but the first time mum did not realise she was carrying four babies not one.
A Sydney cafe is offering breastfeeding mums free cups of tea in a bid to show support for the right of women to nurse their babies wherever they choose.
Jamie Oliver, who considered a vasectomy, is to be a father again. A fellow dad reflects on his own decision 11 years ago
To everyone's surprise, Kristen Miller "kept doing better each day", keeping her second baby safe.
Before my son was born I was given a lovely baby book full of blank pages waiting to be filled with weights and heights and first words.
There is no doubt seeing their child smile for the first time is an unforgettable moment for parents everywhere.
When Alison Johnson put her 18-month-old Caleb down for a nap, she had no reason to believe her son was in any danger.
All my panic and tears aside, my biggest question looking back is about the kind of security measures used in the maternity ward.
Everyone who visits a mum in hospital in the days following childbirth wants to get a photo with the new baby.
Finally, there's a way to keep warm while breastfeeding through winter.
What to do with this information? My advice would be to try not to think about it during the throes of passion.
From niplash to tight boobs, biting to milk supply issues, Pinky McKay looks at common breastfeeding issues and how to solve them.
Six months on we're all still alive, and the more we get to know each other the easier the days become.
Kirsty Carrington thought nothing of giving her newborn son a kiss, little did she know it would leave the baby fighting for life.
After children, 'me time' looks a little different.
A stroller can make or break travelling with a baby or toddler. Here are 15 great single travel stroller options.
It always pays to remind yourself of how terrific toddlers can be - they're little like this for such a short time
Take a trip down memory lane with these vinage and retro toys that you may have had in your childhood or your parent's childhood.