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

 

Mum shares hilarious story about attempting shower sex

As most parents know, finding time for sex post-kids is one of life's not-so-little challenges.

16 things you'll learn on the preschool party circuit

Kids birthday parties sound fun in the abstract but the reality is they often end up an introverts worst nightmare – forced social interaction in the name of good parenting.

The 92-year-old who's a great-great-great-grandmother

A 92-year-old Canadian woman has become a great-great-great grandmother this week after the family welcomed a baby boy.

The Pramrolla mimics a walk in the park to help your baby get to sleep

Simply put the pram brake on, set the wheels on top of the Pramrolla, plug it in and off they go ... or so they think.

Beyonce shares surreal pregnancy photo shoot

Pop superstar Beyonce on Thursday released a slew of photos of herself posing pregnant and nude.

Airport staff order mum to squeeze her breasts to prove she's lactating

A Singaporean mum of two has spoken about her humiliation at the hands of German airport security guards who ordered her to prove she could breastfeed.

How to keep your baby or toddler safe at home

Child-proofing tips that will ensure your home remains a safe haven for curious toddlers and babies on the move.

Told to get rid of their dogs, this expectant couple took the sweetest photos instead

When the couple conceived their first human child they came under enormous pressure to give up their dogs.

Bereaved parents take baby home for 'family time' after death, thanks to cuddle cot

A bereaved mother has spoken about her decision to take her daughter's body home to spend time as a family before her funeral.

'Get off your phone!': the daycare note that's got people talking

A note posted by a US daycare facility has urged parents to get off their phone when collecting their children:

Babysitter's creative 'hands-free' baby carrier hack

We've all been there – you need to hold the baby, but you also need to eat.

Will these be the most on-trend baby names of 2017?

Nameberry has crunched the numbers, predicting which monikers will see a rise in 2017.

Firefighter adopts the baby he helped deliver

Five years ago firefighter Marc Hadden took an emergency call that changed his life.

Mum shares graphic image to highlight importance of rear-facing car seats for kids

A British safety blogger has shared a graphic photo of the damage a seatbelt can do in a car accident in a bid to persuade more parents to use rear-facing car seats for as long as possible with their kids.

Pharrell Williams and his wife welcome triplets

Now that's a good way to start the new year.

Turn yourself into a child's climbing gym with this wearable vest

It's such a neat idea for those living in high density apartment blocks where children may struggle to get enough physical activity.

Bugaboo unveils its new Bugaboo Bee5

The lightweight and compact Bugaboo Bee has been on the scene for a decade now.

The first few weeks of pregnancy: surreal, scary, exciting

It is okay to be worried, nervous, anxious, in love and happy all at the same time.

 
Advertisement
 

Top 5 Articles

Advertisement
 
 
 

From our network

Essential Baby & Toddler Show, presented by Blackmores

3-5 March 2017, Brisbane Convention & Exhibition Centre. Get your FREE ticket now. Save $20.

Your child's fine motor skills: what you should know

There is less of a focus on fine motor skills, but they're just as important as others. (SPONSORED)

5 ways music helps your toddler's development

There are at least five other compelling reasons to get musical around your toddler. (SPONSORED)

 

Free ticket offer

Essential Baby & Toddler Show, presented by Blackmores

3-5 March 2017, Brisbane Convention & Exhibition Centre. Get your FREE ticket now. Save $20.

 
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.