Jump to content
No medicare or PHI cover and pregnant?
13 replies to this topic
Posted 25 January 2006 - 02:16 PM
I was hoping someone here might know the answer to this - I have a new colleague who is Hungarian and his wife is Japanese and they are not elligible for Medicare and there is a 12 month waiting period for PHI and so they are not covered either way so what do they do?
Posted 25 January 2006 - 07:03 PM
I believe they would have to pay for all services from memory-as if going private.
Posted 26 January 2006 - 08:44 PM
Have they moved here, or are they travelling. I think travellers insurance my cover some costs, otherwise they will have to pay for everything.
Posted 26 January 2006 - 08:50 PM
Travellers insurance usually only covers emergencies (not pre-natal care such as checkups etc) and then only up until 32 weeks or so (from memory of my last trip O/S whilst pregnant) If they are here on work visas legally I think they can be covered for some medicare things and they should check with Medicare to confirm this.
If not they should maybe look at shared care with a GP and the local hospital to keep costs down. My Gp did most of my last pregnancy and his visits were only $40 as opposed to OBs who charge $200!
Posted 26 January 2006 - 11:39 PM
I'm sure I saw an ad on TV for one of the Private Health Funds saying they were waiving waiting periods until end of Feb?? Could have been medibank private, but not sure if it was for everything. It might be worth ringing around the private health funds if they haven't already. Even playing one off against the other - a friend of mine much reduced her premiums by going backwards and forwards telling various funds how much others were willing to give her - they are all desparate for members.
Posted 30 January 2006 - 09:07 AM
Yes, they are working here and just having a work permit does not give you access to Medicare - you have to be a resident. I checked with Medicare's eligibility office.
Travel insurance won't cover pregnancy - except if some emmergency thing happens.
And the public hospitals are not cheaper if you don't have access to Medicare (but the shared care model might be a good way around the private OB fees for routine care).
Yes, it could be very expensive for them - even just a standard uncomplicated birth can cost $10,000 for the self insured.
As for the PHI - they have to have special PHI (call overseas visitor cover) because they are not resident or eligible for Medicare. To cover obstetrics it costs about $4,500 per year minimum (my PHI costs about $2000) and even then they still have the 12 month waiting period.
I think that it is terribly harsh but the cheapest way to do things would be to go back to Japan for the birth and that would mean travelling before 7 months and sitting it out. And hoping that all goes well - ie no prem baby and no other complications in the mean time! What a terrible position to be in.
Posted 30 January 2006 - 07:51 PM
Just checking quickly - are they just here on a work visa or waiting to get residency etc? My dh came over on a spouse visa (he is South African), and was able to claim medicare before he got his residency....
Posted 30 January 2006 - 08:17 PM
What state are you in?
I work in this area and if its SA can give you a specific answer.
Posted 31 January 2006 - 10:48 AM
Belindam - Victoria, why is it different in South Australia?
Fona - just a work visa - they will probably try and get a residency visa but other colleagues here who have done that say it takes many months.
Posted 31 January 2006 - 05:12 PM
Not sure of Victorias arrangements - in SA what happens is that we bill non medicare's for an 'episodic'payment. This is based on what is called casemix and its how public hopsitals in SA get funded. Short story is that there are about 8 delivery DRG's - without having it in front of me - 4 caesareans and 4 vaginal delivery DRG's. Within each 4 they range in complexity from simple to complex. Which one a person would fall into cannot be determined until the patient is discharged as it depends on the complexity of the admission (eg a ventouse delivery with an epidural and a 2nd degree tear may fall into the most simple DRG but if a patient has a straightforward delivery with no intervention but has pre-eclampsia or gestational diabetes it will push it into a more complex one). In SA we bill about $3500 for the most simple vaginal delivery up to about $10800 for the most complex caesarean. That gives the patient a minimum of about 8 days stay for a simple delivery and 26 (from memory) for the most complex caesarean. Staying a shorter period of time does not reduce the cost. This is an all inclusive cost (ie dr, midwife, anaesthetist, any radiology, pathology, post natal care including in the home - in short everything). Each antenatal visit on top of that is $115 - although if you can find a GP that will do shared care then you can save money.
My advice is to ring various hospitals in Vic and ask if they can do a quote (thats what we do in SA for obstetric non-medicares so they know exactly what they will be charged and we stick to it).
Posted 21 November 2012 - 09:39 PM
I was wondering if you were in a position to update it to 2012. I am in a similar situation and need to know the costs so I can decide whether I can actually afford to return to Australia to have our child or whether I should stay overseas for the birth, where I know I can afford it. I understand if you are unable to answer but thanks anyway. Kindest regards, Gavin.
Posted 27 November 2012 - 02:44 PM
unfortunately it will be cheaper for them to go to Japan or other country as hospitalization without medicare would be very expensive. That's also a holiday!
Posted 30 November 2012 - 02:46 PM
This thread is only 6 years old. The baby is well and truly born.
PP who started a new question - it might be better to start a new thread.
Posted 30 November 2012 - 02:55 PM
Are you planning on applying for a permanent residency visa soon grmc1 by any chance?
Once you have applied for a permanent residency visa (the visa doesn't have to be assessed yet) then you are eligible to apply for and hold a medicare card until your PR visa is processed.
0 user(s) are reading this topic
0 members, 0 guests, 0 anonymous users
News that a giant panda was pregnant prompted much excitement, but it appears there were never any cubs on the way.
When writing her birth plan, Simone Pavil included an item most women wouldn?t even think about: what should happen if she was put on life support. The mum had the potentially fatal condition placenta accreta.
In the midst of the early parenting years, our bodies and minds can seemingly be overtaken by our offspring. How can we balance our need for personal space with the needs of our children?
The words "spontaneous abortion" on the hospital paperwork really got to me. My baby died; I didn't spontaneously decide to abort him.
Watch some of the classic Australian ads of the 80s, 90s and 00s, and remember the catchphrases and jingles we all used to know so well ...
For and against
Many were quick to condemn Beyonce and Jay Z after appearing on stage at the MTV Video Music Awards with their two-year-old daughter, but others thought it was a sweet family moment. What do you think?
Two-year-old girl Eva Ness was left with a black eye and bite marks on her face and body after an altercation with an older child at a health club's child-minding facilities. Now her parents are calling for the centre to be closed.
Manipulating rosters, coordinating 'conjugal' visits, working on site with your partner; getting pregnant can prove stressful for FIFO workers.
Enter now for your chance to win 1 of 5 $100 RedBalloon experience vouchers. Helping you make Dad's Day EXTRA HAPPY.
Most parents know their child's carseat is not always squeaky clean, but they might not realise just how dirty it really is.
Doctors in India have removed the skeleton of a foetus that had been inside a woman for 36 years.
We?ve seen some memorable time-lapse pregnancy and birth announcement videos before. Now one new couple has taken it to the extreme, capturing it all in just a six-second Vine video.
Celebrity mum-to-be Sonia Kruger has spoken candidly about using donor eggs and IVF to fall pregnant at age 48.
When it comes to getting dressed, my three-year-old has only one criterion: ?I don?t want to look beautiful.? And now I've worked out why.
Angel Baby Nappies make and provide tiny bereavement cloth nappies for pre-term stillborn babies and premature babies who pass away in the NICU.
What's going on in your child's mind in the lead-up to a tantrum? And what?s the best way to respond?
When it comes to keeping your relationship strong, it?s what you do - and not what you want - that really matters.
I am obsessed with my dogs, and can't imagine loving them any less once my baby arrives. But that doesn't stop everyone from telling me I will.
Looking for a baby name that?s nowhere near the top 10 ? or even the top 1000? Try the bottom five.
There are no laws regulating driving while tired, but statistics show that driver fatigue is one of the top three contributors to the road toll.
Membership to eBay's Bubs? Corner is free and includes a $10 coupon to spend on nappies each month - a win for multitasking mums!
Got bored kids? Quickly find the best activities for kids wherever you are in Australia with the Essential Kids app.
Top 5 Articles
Testing ?no more tears? shampoo in your own eyes, warming cucumber sticks so they're not cold straight from the fridge, waking a sleeping baby to check they?re still breathing: these are all symptoms of Precious Firstborn Syndrome.
Little Ezra was a "Harry Houdini" who loved trying to escape the family home. Now, after his tragic death, his parents are doing what they can to help others.
As I sat across the table from my friend ? me, a seasoned mother of three; her, a brand new mum ? I thought of all the mistakes an old-hand parent can make when visiting a newborn baby.
Ever wondered what would happen if adults were allowed to act like children? This dad's hilarious video clip will give you an idea of what life would be like.
The number of confirmed cases of influenza in Australia has doubled the number for the same time last year - and women are 25 per cent more likely to get it.
Feeling exhausted due to the demands of caring for a baby? Imagine the life of this mum, who gave birth to three boys and one girl in just nine months.
Lowest prices on everything baby, only at Big W. Sale starts August 4 and ends August 20 2014.
A man has been reported to child protective services after taking the ALS ice bucket challenge with his 10-month-old granddaughter.
We've scoured the internet to find gorgeous personalised keepsakes and nursery decor to record baby name and dates. They make great gifts for christenings, name days and birthdays! (All prices in AU.)
Mind, body, beauty, life
We look at your wellbeing, covering health, relationships, beauty and fashion, mind and body.