Jump to content

No medicare or PHI cover and pregnant?


  • Please log in to reply
13 replies to this topic

#1 umma

Posted 25 January 2006 - 02:16 PM

Hi,

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?

#2 nowsinglewith1

Posted 25 January 2006 - 07:03 PM

I believe they would have to pay for all services from memory-as if going private.

Shelly

#3 LisaMaree82

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.

#4 Coffeegirl

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!

#5 **Tiger*Feral**

Posted 26 January 2006 - 11:39 PM

Hi,
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.
regards
tigerfilly

#6 umma

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.

#7 fona25

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....

#8 belindam

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.

#9 umma

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.

#10 belindam

Posted 31 January 2006 - 05:12 PM

Hi Umma,

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).

#11 grmc1

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.

#12 Bombom

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!

#13 Phascogale

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.

#14 EllenD

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

 

Tot meets his heroes, falls apart with excitement

Two-year-old Quincy finished his potty training last week, and as part of his reward he was able to meet his idols.

Beautiful in our eyes: Georgia's story

I will never deny the fact that grief has a place when you give birth to a child who brings a set of circumstances very different to what you imagined. Because for nine months, I thought I knew my Georgie.

'It's been phenomenal': widower dad of quads thankful for support

There was nothing Erica and Carlos wanted more than a baby.

Vin Diesel names daughter after actor Paul Walker

The actor said there was "no other person" he was thinking about when he chose the name.

How midwives can help women who experience domestic violence

More than half of women who live with abusive partners experience violence during pregnancy.

Mum describes giving birth during Cyclone Pam

A new mother was told she must flee Port Vila hospital with her baby as Cyclone Pam bore down.

6 signs you're done having babies

There were a few signs I'm never going back to the land of maternity jeans, breast pumps and bassinets.

Marta Dusseldorp reveals breastfeeding cost her an acting job

Australian actress Marta Dusseldorp has revealed she was forced to withdraw from a Sydney Theatre Company production because a director did not approve of her breast feeding.

Female celebs (or their babies) with traditionally male names

Looking for a name that's a little bit different for a girl? Turn to names that have been traditionally used for males, as these celebs (or their parents) did.

'If you're anti-immunisation ... take a look at this picture of my son'

Greg Hughes is "an absolute shell of a man" as he and his wife Catherine struggle to come to terms with the loss of their newborn son Riley to whooping cough.

How an extrovert can raise an introvert

Introverts are often misunderstood as shy, and sometimes even rude. A timid child can be difficult to build rapport with, but it's important we nurture their sensitive natures.

Sheryl Sandberg's advice

'Choreplay': Help out at home to get more sex, Sandberg tells men

Forget foreplay. The new and improved route to intercourse is "choreplay" - it's good for your spouse, good for your house, and comes with the imprimatur of feminist du jour Sheryl Sandberg.

How to play with your baby

The first time your child learns a new skill at playtime is very exciting - for both you and your baby! Play is important to your child's development for a variety of reasons - here are some simple ideas for you to try at home.

I'm a single mother by choice

For me, being the best mother I can be means being a mum alone, at least for now. Thinking of my friends with inadequate partners, I wonder why more people don’t choose single motherhood.

Awkward wedding photos

Weird poses, surprise photobombs, bizarre editing: these are the wedding photos that should have never seen the light of day.

Four-week-old baby Riley Hughes dies of whooping cough

The mother of a four-week-old Perth baby who died after contracting whooping cough says her family has been left devastated by the loss of her "gorgeous, sweet" son.

Win a Ben & Holly's Little Kingdom prize pack

To celebrate the April 1 release of Holly's Magic Wand on DVD and Digital, we are giving away five DVD packs featuring the newest installment of Ben & Holly's Little Kingdom Holly's Magic Wand and many more hours of family entertainment! Enter Now!

Oh boy! Video shows family's reaction to baby surprise

Little Peyton Williams thought she was getting a baby sister named Charlee. But the two-year-old has had to settle for a doll dressed in pink after her baby "sister" turned out to be a boy.

How to help build up your baby's immune system

We all know that having a strong immune system is the best way to stay healthy – but what can we do to help it along?

'Nick, you need to call an ambulance': home birth mum's tragic death

A Melbourne mum who died after the home birth of her baby pleaded with her husband to call an ambulance because she felt she was going to die, the Victorian Coroners Court has heard.

When dads believe their baby doesn't 'like' them

Q: My two-month-old baby doesn't like me. He's perfectly content with my wife, but when I try to hold him, he gets upset and cries. I've backed off a little, thinking that he just needs a little time to get used to me, but that doesn't seem to be working. I'm starting to think I'm just not a very good dad. Is it too late for me to build a relationship with my baby?

When was the last time a stranger praised your parenting?

Wouldn’t it be great to get some nice feedback every now and then? After all, everyone likes to hear positive praise, particularly when it comes to parenting.

Special Ticket Offer, Save $8!

The Essential Baby & Toddler Show is back this April! Save $8 off the door price for a limited time only!

15 names on the verge of extinction

If you're looking to revive an older name, or don’t want anything near the top 1000 list, check out these rare monikers for your unique baby.

5 characteristics of great dads

It’s great to see a generation of dads who are more actively involved with caring, nurturing and loving their kids.

Why doesn't Australia have more breast milk banks?

When there’s no question that milk banks are important, why don’t we have more of them in Australia?

Carrie Bickmore announces birth of daughter

Television personality Carrie Bickmore has given birth to her second child.

 
Advertisement
 
Advertisement
 
 
 

What's hot on EB

Sign up to our 30 days of #PlayIQ challenge

Sign up to receive 30 amazing tips and ideas for play with baby during the month of April and submit a picture or tip on our social wall for a chance to win an amazing Fisher-Price prize pack.

Man faces jail after giving woman abortion pill smoothie

A Norwegian man is facing jail after putting abortion pills in his ex-girlfriend's smoothie, causing her to have a miscarriage.

'He's a blessing': family of baby born without eyes

Jordy Jackson was born without eyes. He has anophthalmia, which affects one in every 100,000 babies born.

Win one of 5 Cadbury Easter Hampers

With Easter fast approaching, Cadbury are giving away 5 Cadbury Easter Hampers. Enter Now!

Super fit model Sarah Stage defends her pregnancy body

Model Sarah Stage has defended her pregnancy body after critics claimed her slim figure at eight-and-a-half months pregnant wasn't "normal".

Win a Ben & Holly's Little Kingdom and Peppa Pig prize pack

To celebrate the April 1 release of Holly's Magic Wand on DVD and Digital, Essential Baby and Entertainment One are giving away five bumper DVD packs featuring the newest installment of Ben & Holly's Little Kingdom Holly's Magic Wand and many more hours of family entertainment! Enter Now!

Why I post breastfeeding photos online

I love to take pictures of my children. In some of the pictures, my younger son is nursing.

The day I broke my baby

There are things I wish I didn't know. I wish I didn't know that companies make tiny braces, small enough to hold necks no bigger than a wrist.

The place just for dads of multiples

When a couple discovers they're expecting multiples, the dad can sometimes be almost forgotten in all the excitement and preparation. But one group offers a space just for dads of twins and higher-order multiples.

Brave mum calls for domestic violence law reform

A brave mum of two has shared details of the harrowing attacks she suffered at the hands of her partner in a bid to help other victims of domestic violence.

Why I had the new test for Down syndrome

Early last year I turned 35, and having just found out I was pregnant, I opted to have the new test for Down syndrome.

Geeky baby gear

If your family is more into Star Wars, gaming and the periodic table than most, you might want to check out these geek-chic baby items.

2015: the year of the sheep

According to the Chinese zodiac, babies born in the year of the sheep are creative and enjoy spending quiet time with their own thoughts.

Breakthrough genetic testing now available in Australia

Pregnant women will for the first time have access to locally analysed, accurate, non-invasive pre-natal genetic testing when the first Australian clinic to offer the services opens its doors next week.

Grandbabies: the babies born looking old

Not a day under 65 and a lifetime of struggle! That's the look of these newborns, who look adorably older than their real age. Social networking site Reddit recently featured user submissions of adorable grandbabies, here are our favourites.

Family kicked off flight after toddler seatbelt drama

An entire family was kicked off a Cathay Pacific flight when a misbehaving toddler refused to put his seatbelt on.

Stolen baby found after 17 years

A baby stolen from her mother's arms shortly after birth has been found through an astonishing coincidence.

53 creative pregnancy announcements

Announcing that you're expecting can be a time to express your creativity, sense of humour and imagination. Check out how other parents and parents-to-be have broken the news to friends and family.

IKEA hacks for the nursery and kids' rooms

Are you one of those that know the whole IKEA catalogue by heart? Love their stuff but want to personalise it? Here's some inspiration to help you realise the potential of IKEA furniture and fittings.

36 baby names inspired by food and drinks

A French court may have ruled out Nutella as a baby name, but that doesn't have to stop you from taking inspiration from the supermarket (or bottle shop). See what parents in the US have chosen for their delicious little ones.

Clever breastfeeding products

Check out this range of products designed to help make your breastfeeding journey more enjoyable, manageable and convenient.

 

Sign up now!

30 days of #PlayIQ challenge

Receive a daily email from Essential Baby during April with great play tips and ideas, then submit your baby at play photos to our Playwall, Instagram or Twitter for your chance to win.

 
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.