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Pls Help to find an Obstetrician who charges less than $2000

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#1 Baby Cookie

Posted 20 February 2013 - 02:46 PM

Hi all the lovely people,

I’m seeking help in finding an Obstetrician who charges less than $2000 for our first baby.
I honestly thought that after paying for private health insurance to cover pregnancy would cover all our pregnancy costs!   sad.gif  unsure.gif

We live in Noble Park north and would love to hear some helpful hints on finding an Obstetrician who charges less than $2000 out of pocket expenses.
Please PM me the names of the OB’s

Thanks you all in advance!  original.gif

#2 c.sanders

Posted 21 February 2013 - 06:09 AM

hi, i dont really know any but i just wanted to say that i did everything through the hospital incl.seeing the obstetrician. . i had the option of being under the care of my  gp or midwives at the hospital. the hospital/midwives helped me organise everything including tests. they said an obstetrician is really only for complicated pregnancies and the hospital n medicare would cover that too if it was the case. overall i was only out of pocket for hospital parking fees.goodluck on your exciting journey original.gif

#3 podg

Posted 21 February 2013 - 06:13 AM

The public hospital is fine. My first baby was born at Monash, and the rest at other public hospitals.

Don't spend everything you can afford on an obstetrician - your child and you will find lots more uses for that money.

#4 Madnesscraves

Posted 21 February 2013 - 06:15 AM

No recommendations sorry, but wanted to say I was in the same boat as you. I though my pregnancy cover in PHI was covered! Nooo it's for other stuff. Annoyed me greatly. Made me wonder why I paid so much in the first place! rant.gif

Good luck with your journey biggrin.gif

#5 kristylee21

Posted 21 February 2013 - 06:16 AM

I went through a public midwife program.... $300 out of pocket for some ultrasounds. Sorry I don't know of any obsetritions that are less than $2000

#6 jemsoli

Posted 21 February 2013 - 06:22 AM

i am not in VIC (in sydney) but i dont like your chances of finding an OB under $2k out of pocket. current rebates from medicare are capped around $5-600. we got super lucky with this bubba and our OB did us a deal cos this is the third bub we have had through the same OB and his fees were $1800 out of pocket.

that said, even if the OB fees are under $2k there are heaps of other things you will need to pay for. your hospital excess, scans (usually more expensive as you will be referred to a private place, i was OOP $210 for my morph scan at 19 weeks) most likely your PHI wont cover antenatal classes either (we lost out $330 from that) when you have bubba if you have an epidural you can be out of pocket $500-1000 and out of pocket 1000s if you have a caesarean. you will also have a paed come and check your bubba in hospital, i think ours was a few hundred.

#7 Awesome101

Posted 21 February 2013 - 06:29 AM

The $2000 will just be the management fee. If you see him/ her throughout the pregnancy you are also up for over $100 per appointment. ( mine varied from 180-240)

I crossed the threshold during my pregnancy so got a fair chunk back from Medicare.

#8 mandala

Posted 21 February 2013 - 09:19 AM

I would suggest you choose your hospital and then ring all the OBs that deliver there - they should have a list. Then, ask the reception staff for how their fees work.

As PP say, some OBs have a bigger pregnancy management fee and then bulk-bill appointments, and others have a lower fee and have a per-appointmtent charge, only some of which you'll get back from Medicare.

We paid a higher management fee, but all appointments and scans in the room were bulk-billed. As we had lots of extra appointments and scans because of some complications, I feel it worked very well.

The PHI is only for the in-hospital stuff. For us, it was well worth it, since the only thing we paid for was our excess and our parking.

#9 kpingitquiet

Posted 21 February 2013 - 09:24 AM

I would go public in your shoes as, yes, you might find an OB for your budget, but that won't include any anesthesia fees or other additional costs should birth not go 100% natural/drug-free. You don't want to start your new family with so much financial stress. Much better to save that 2k (and any additional costs) for things like childcare, family trips, unexpected expenses (busted water heater, dead fridge, etc), etc. Your PHI will still be "worth it" over the course of things, I'm sure, whether for dental care, specialist visits, or anything else that can come with the package of a family.

#10 MrsLexiK

Posted 21 February 2013 - 09:35 AM

OP I know of a few people who delievered in that area when South Eastern was open that charged under $2K.  What hospital are you birthing at?  I got a list off my hospitals website that stated the OB's that practised there and rang the rooms to see what my out of cover costs would be with x insurance fund.  My OB is $635 (or something like that. Then there is the medicare rebate of around $200 and something), appts $65 (then I get a medicare rebate of $30 or $35), if I have to give birth at a different hospital my mangement fee goes up by another $200. I was provided by the hopsital with the max costs of the epis/c-section for antheists (which are usually only a couple hundred dollars at our hospital though I will be planning for the $1800 max just in case)

ETA: if I go to the other hospital I won't have the anthesists fees as it is public, but I will have my OB there.

Edited by MrsLexiK, 21 February 2013 - 09:36 AM.

#11 Soontobegran

Posted 21 February 2013 - 09:37 AM

I know an Obstetrician with a less than $2k management fee and I will PM you his name however he is not in your area.

I would consider going through the public system though. There are some wonderful public hospitals and Monash is one of them.
PHI only pays for your hospital and associated hospital costs, you may get some gap payment on some doctors bills but you will still be out of pocket for anaesthetists, paediatricians etc if they are needed.

#12 Georgie01

Posted 21 February 2013 - 09:37 AM

that said, even if the OB fees are under $2k there are heaps of other things you will need to pay for. your hospital excess, scans (usually more expensive as you will be referred to a private place, i was OOP $210 for my morph scan at 19 weeks) most likely your PHI wont cover antenatal classes either (we lost out $330 from that) when you have bubba if you have an epidural you can be out of pocket $500-1000 and out of pocket 1000s if you have a caesarean. you will also have a paed come and check your bubba in hospital, i think ours was a few hundred

These can really add up - my last pregnancy was complicated, babies ended up in SCN and I was out of pocket more for ultrasounds/monitoring/paed etc. than I was for the OB (the ultrasound place ended up bulkbilling me because I was there so often). Luckily the anesthetist bulk billed me as well. Obviously this is an extreme example and it's very unlikely that you'd end up with the same costs but there will be costs in addition to the OB that you'll need to factor in. Even my straightforward, uncomplicated pregnancies involved out of pockets for scans, blood tests, paed.

#13 Mumsyto2

Posted 21 February 2013 - 09:47 AM

QUOTE (jemso @ 21/02/2013, 07:22 AM) <{POST_SNAPBACK}>
that said, even if the OB fees are under $2k there are heaps of other things you will need to pay for. your hospital excess, scans (usually more expensive as you will be referred to a private place, i was OOP $210 for my morph scan at 19 weeks) most likely your PHI wont cover antenatal classes either (we lost out $330 from that) when you have bubba if you have an epidural you can be out of pocket $500-1000 and out of pocket 1000s if you have a caesarean. you will also have a paed come and check your bubba in hospital, i think ours was a few hundred.

This. Have you factored in all the other out of pocket costs going private will entail on top of the the OB's out of pocket expenses? The next largest cost would most likely be the anaesth cost should you have to use one (either for epidural of C section) and even if you are aiming for a drug free natural birth up front you never know how things are going to turn out so you should factor in the cost for this also (I would not budget less than $800 just in case - there is generally a huge gap between their bill and what Medicare and PHI reimburses you for the bill). On top of that there are scans and so forth and it all adds up.

My personal preference is private as I like to choose my ob/anaesth, surroundings etc as long as there is quick and easy access to tertiary NICU services should they be required (does not have to be in the same hosp but they need to have facilities and paeds on board who are able to manage complex cases for transfer and relationships & agreements with the closest suitable institutions). The reality though if your preference is private is that you pretty much have to have a certain amount of money put aside you can pay for it with without causing yourself and partner undue stress all the way through the pregnancy and afterwards.

#14 Onemorefor2016

Posted 21 February 2013 - 11:14 AM

My OB in SE Melbourne had a management fee of approx $3.5k (some of which - not much!) is claimable at medicare. Any scans, some pathology were additional - I needed 3 scans at $190 each (again some claimable at medicare). No ongoing antenatal fees at the OB's office.

I thought this fee was quite reasonable. A lot of the OB management fees closer to Melbourne were around $5-6k. Not sure how much luck you will have finding an OB with fees of less than $2k.

Congrats on your pregnancy original.gif

#15 Baby Cookie

Posted 21 February 2013 - 03:08 PM

Thanks Guys for the info.
Found an OB who charge $1800 at 20 weeks.
Have an appointment next week and see how we go.

Let me know if anyone wants the name I'll PM.. original.gif

If this OB doesn't suit us I think we might go public as it is ridiculous to pay higher fees for an OB while having private health insurance where you can get every thing free from the public system.

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