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

 

The day my daughter almost drowned

We had six adults standing there, so I felt like I could relax a bit. After all, what could go wrong with so much supervision?

Sydney siege survivor names baby after victim Katrina Dawson

A Sydney barrister who survived the Lindt cafe siege has named her newborn daughter after her best friend who died in the tragedy.

Banishing bloat

How to avoid a bloated tummy

Here are some foods to eat in order to escape feeling ghastly and gassy.

The great new picture book for anxious kids

My son is a worrier by nature. I learnt long ago that it was completely pointless to say to him "Don't worry about it!".

Budget stripped more than $15b from families

The combined impact of the two budgets for low and middle income people was "devastating", new analysis by the Australian Council of Social Service shows.

Pregnant women urged to get flu shots

As the winter chill starts to arrive, NSW Health is urging pregnant women to get their flu shots.

65-year-old gives birth to quadruplets

A 65-year-old German woman, who already has 13 children, has given birth to quadruplets.

What you need to know about pregnancy and health insurance

It's not just waiting periods that couples need to consider - there are other factors to consider when thinking about health insurance.

Yummy mummy

Nicole Trunfio breastfeeds baby on Elle magazine cover

Australian model Nicole Trunfio has taken the concept of multitasking to a fashionable new level for Elle Australia.

Warnings after baby girl died while sleeping in bouncer

Parents have been warned about the dangers of letting babies sleep in bouncers and swings following the death of a three-month-old girl.

Coping with fatigue as a parent

Sleep deprivation is a real hazard of caring for a baby. But there are ways to manage the challenges of fatigue better.

A very 21st century issue: parents, parks and smart phones

It's not all the parents, and it's not all the time, but there is often at least one doing it. And sometimes, that 'one' is me.

Appliances

Faulty washing machines linked to house fires

More than 80,000 faulty Samsung washing machines pose a fire threat in homes throughout Australia despite a nationwide recall of the machines.

'I had a lotus birth and I loved it'

Lotus birthing is not all that common, but for a number of women it feels like the most natural thing to do.

7 things you might not know about postnatal depression

Despite its widespread nature, there is still a great amount of mystery surrounding PND - and it's important to try unravelling as much of that as we can.

Is your family's car part of the world's biggest safety recall?

More than 50 million vehicles recalled for potentially lethal airbag fault - is your car affected?

Why drinking water can be deadly for babies

H2O is one of the necessities of life, but for babies a seemingly harmless amount of water can be fatal.

Mother-in-law faceplants during proposal

He had it all planned: a romantic proposal on a windswept beach. The whole family would be there so they'd all be able to celebrate the joyous moment together.

A preschooler suddenly goes mute - and it's not just shyness

When our son stopped talking, our sense of loss was painful and acute.

The mums who ask for a 'wife bonus'

They run their homes like domestic CEOs and work tirelessly to improve their family's social standing. And now, according to a new book, they want an annual perk from their husbands.

Woman shares photo of dimple on breast to warn others of cancer risk

A widely-shared Facebook photograph of a British woman's breast has raised awareness of a more subtle breast cancer symptom.

Starting a family despite a low sperm count

"I'd never really failed a test - how could I fail this particularly manly test?"

It's official: we must better protect our kids from toxic lead exposure

New guidelines have been released, aimed at reducing children's harmful exposure to lead. But they still don't go far enough.

Trouble-shooting toddler social skills

Chances are your toddler's behaviour is all completely normal - but here's how to tackle some common social problems.

Helping your first-born welcome a sibling

We did sigh with joy at the arrival of a royal princess - but, mostly, we sighed with pity at the sight of Prince George being taken to meet her.

Farewell, daytime nap

I've been in denial and I'm not too proud to beg, but it appears I must accept the fact that you have gone. I need to let you go.

The identical triplets who are one in 50 million

The father of identical triplets born in a Texas hospital says his three daughters, including conjoined twins, are "a miracle" sent by God.

Seven questions you should be asking about your health cover

If the last time you assessed your health cover was five years ago, there?s a chance it may no longer suit your needs. To ensure it?s still right for your family, click here for seven questions to ask.

 
Advertisement
 
Advertisement
 
 
 

What's hot on EB

How to use gas effectively in labour

Many women in labour don't use gas effectively and suffer more side effects than benefits. Here's how to get the most out of this pain relief option.

'He has gastro but that's okay, right?': sick kid etiquette

We cannot place all children who are sick in a bubble till they recover, but we can give other parents a choice about exposing their kids to them.

Welcome to Winter

Now that the colder months are here, Essential Baby as all the information you need for staying healthy and happy during the chilly season.

Ada Nicodemou: 'I can never be completely happy again'

Home and Away actress Ada Nicodemou has opened up about the loss of her stillborn baby.

10 things to consider when you're thinking about trying for a baby

Before you start tracking your menstrual cycle and reading up on the best positions to get pregnant, there are a few other things you may want to consider.

How special surgery and IVF can create a post-vasectomy baby

Cricket legend Glenn McGrath and his second wife Sara are expecting their first child together, thanks to IVF and a delicate surgical sperm retrieval process that helped the couple to conceive.

Belle Gibson's mother 'disgusted and embarrassed'

The mother of disgraced wellness blogger Belle Gibson has accused her daughter of lying about her childhood in an attempt to garner public sympathy.

Doctor's mobile phone 'left inside c-section mum'

A new mum claims a doctor left his mobile phone inside her after delivering her baby via caesarean section.

I'm a mum and I'm following my dreams

I want my kids to know that no matter what happens in life, you can still be who it is that you've always wanted to be.

Those first daycare days

I had this innate 'mum' moment the other day.

'If one person had listened, my life would have been so different'

Katherine's father will die in prison for the horrifying sexual abuse of his daughter. Yet she is the one with the true life sentence.

This new plan undermines breastfeeding and baby health at everyone's expense

Mothers, babies, the health system and the wider society are going to pay the price of this new budget.

Couple to celebrate terminally ill baby's birthday in unique way

Baby Jai Bishop has lived at Starship Hospital for the past seven months, with his parents flying back and forth from Hokitika, 1100km away, to be by his side.

Life On Mars

It's men who need 'retraining', not women

We are all responsible for our own behaviour. Telling victims to harden up is wrong.

Baby Gammy's dad tries to claim charity money

The biological father of baby Gammy has reportedly tried to access charity money raised for the little boy's medical costs.

Where are the childcare places?

It?s all very well to encourage women to work if they choose to, but how can the measures lead to increased workforce participation when women are once again left holding the baby?

The pain of not having babies and not knowing why

After seven years of wishing, hoping, crying, punching pillows and shouting "why me?!", the end result is more than I ever thought possible.

Getting your family finances in order

Whether you're after a new car for a growing family, a bigger house, or are just fixing up your finances, here are the basics on borrowing.

Mum shares graphic selfie to warn against tanning

A mum has shared a graphic photo of her skin cancer treatment as a warning to others.

Does parenthood make us happier?

We can certainly gain higher levels of happiness when we become parents, but the trick is to not get overwhelmed by the pressures of raising our kids.

No, having a dog is not like having a human child

It's obvious these people dote on their pets, but they're barking up the wrong tree.

 

Top baby names

Baby Names

The numbers are in and we can now bring you the 2014 top baby name list for Australia.

 
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.