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
Most people who are trying to get pregnant know that the best time to conceive is in the few days after ovulation.
A cruise with your family is among the most absurd settings for a miscarriage, but it is certainly not the worst.
A 22-year-old woman who is pregnant with her third child has had her requests for a tubal ligation denied because doctors believe she is too young.
When a pregnant woman is infected, the likelihood that her foetus will be infected is about 50 per cent.
If you're hoping to conceive, one of the most important things you need to know about is ovulation.
I remember the first time I felt mum guilt, within days of having my first child. The feeling was so intense I rang my own mum to debrief, hoping she'd tell me I wouldn't feel this way very often.
When it comes to motherhood, actress Kristen Bell is her own superhero and she thinks other mums should be too.
In a world of ever-shrinking gadgets, it's no surprise prams are getting smaller. We put the record-holding GB Pockit through its paces.
The gorgeous Bombol Bouncer is back - and boasts two chic new colours to boot.
Looking for a gift for the wine lover in your life - or just something for yourself?
Pinky Mckay joins us again at the Essential Baby & Toddler Show presented by Blackmores with her expert baby settling advice. Register now for your free ticket.
The best part about our outdoor adventures? It makes my husband and I better parents, since we're happier while adventuring.
A good samaritan saved a mother and baby from being seriously injured by crashing her own car into theirs.
Returning to work after having a baby can be daunting, and when you're experiencing postnatal depression or anxiety it can seem even more overwhelming.
Background noise from the radio or TV might be making it harder for your toddler to learn learn new words.
Teresa Palmer is basking in pregnancy glow as she awaits the arrival of her new baby.
Top 5 Articles
H2O is one of the necessities of life, but for babies a seemingly harmless amount of water can be fatal.
So much parenting advice is geared towards having your first baby, but what's it like having a baby when you already have children?
Fans of The NeverEnding Story – of which there are certainly plenty – went crazy for these plush Falkors when they first went on sale last year.
I thought I had prepared myself for motherhood. Then my baby girl arrived and knocked everything flat.
People love to warn you about what to expect when having a baby, but they can be way off when it comes to the reality.
Motherhood is wonderful ... except when it sucks.
There is no doubt seeing their child smile for the first time is an unforgettable moment for parents everywhere.
Breast is best, except when it's not. And in our case, it most definitely wasn't.
The photos are heartbreaking and almost too difficult to look at, but Kayley Burke is begging other parents to take notice.
In news that will make expectant mums jump for joy - and reach for a block of Cadbury - scientists have revealed chocolate could provide health benefits during pregnancy.
If you're in any way challenged in the follicle department, prepare to feel a jolt of envy - at a two-month-old baby.
While meeting with a lactation consultant can make an enormous difference to a new mother, it's not a service that is available through the public health system.
One mum has learnt a harrowing lesson about the best way to cut grapes to make it safe for toddlers and little kids to eat.
Lately I've been thinking about the caesarean stories and the brave women who birth their children with strength and beauty.
It's stressful to be the one who is holding your baby most of the day, but it's even more stressful to wonder, 'am I doing something wrong? Or am I creating bad habits?'
Free ticket offer
The Essential Baby & Toddler Show, presented by Blackmores, will be held in Sydney on 23-25 September. Register for your free ticket now to save $20!