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
Your schedule is not important to your two-year-old, and you cannot convince her otherwise. So what can you do?
A child whose remains were dumped in a suitcase in the South Australian bush is believed to have been a girl aged between two-and-a-half to four.
An Argentinian mum and politician has caused a stir on social media after being filmed breastfeeding her baby.
It was 1am on a cold winter's night when I woke suddenly to the screams of my 12-month-old son. Our lives were about to change forever.
Inflatable and portable children's pools may be required to be sold with compulsory fencing to prevent backyard drownings, with some experts even floating the idea of a ban.
At 11.07am on April 2 this year, Sarah Marriott welcomed baby Sebastian into the world.
These kids' beds definitely fit the brief of providing personality and personal space for little people who are moving up in the world.
Since becoming noticeably pregnant, my son has taken more of an interest in the sibling he'll soon have.
In this age of political correctness, it seems the one subject still subject to discrimination is that of the Only Child.
A neighbour heard a child screaming before a baby was found dead, believed to have been stabbed, in a house in Newcastle.
So far, 206 Samsung washing machines have caught fire and some have exploded. But many remain in people's homes.
We all know that having a baby can turn your life upside down - and it can also bring a raft of new anxieties and worries.
Couples using IVF may be able to choose the gender of their babies and women could be financially compensated for donating their eggs.
Not too young, and not too old. That's reportedly the best age to get married. Not everyone agrees.
After giving birth, the last thing you want to think about is contraception. But you can get pregnant before your period comes back.
Parents of toddlers everywhere know the feeling. After working up the courage to take your child out for lunch or dinner in public you are rewarded with a mid-meal meltdown.
Two children were killed when pieces from their Malm furniture line tipped over.
If you're looking to introduce an organic element into your baby's nursery but want to step away from natural timber, we have the perfect alternative.
I am in no way qualified to advise women on how to cope with hyperemesis, but I've learnt some lessons that might be worth sharing with other partners.
Best friends share everything - and for these two life-long friends, that includes family.
Samuel Forrest didn't want his wife as a trustee of their baby Leo's half million dollar trust for her own "protection", it has emerged.
Men who become fathers experience weight gain and an increase in body mass index, a measurement of body fat based on height and weight, according to a new, large-scale study
She said the photo of a boy with Down syndrome in a washing machine was taken just for fun, but no one else was laughing.
An opulent high tea at a luxury Melbourne hotel has left 44 people with salmonella poisoning - including a pregnant woman, who went into early labour.
Would you know what to do in a fire emergency? How safe is your home and family?
Prince George's second birthday has been marked by the release of an official picture showing the toddler smiling as he is held by his proud beaming father.
Is it safe to use fake tan, hair dye and nail varnish during pregnancy?
The truth is, I can no longer deny that my walking, babbling, somewhat-independent little miss is no longer a bona fide 'baby'.
I'm not usually one who believes in love at first sight but that's exactly what happened when I first saw the Cybex PRIAM.
Get your free ticket to the Sydney Essential Baby & Toddler Show for September 25-27 - register online now.
Top 5 Articles
I believe that you get out of families what you put into them, and I will give mine my all.
I have had two postnatal psychotic episodes. The first when my eldest child was six weeks old, and another after my second child was born.
French names are always in fashion, but a few have risen in popularity in recent years.
A British woman who gave birth in Spain has told of her ordeal after spending weeks trying to convince medics the baby girl was hers.
Some friends of ours say that it's dangerous to have a dog around a newborn and that we should start looking for a new home for him. Is it?
First Apple and Facebook announced they would pay $20,000 towards the cost of their female employees freezing their eggs, now IBM in the US has come up with an innovative new policy aimed at retaining female employees.
The Duke of Cambridge opened up about family life and his plans for the future in an interview to mark his first day as an air ambulance pilot.
A simple photo taken in front of an evening fire gave new mother Sarah Bowers the power to save her baby's life.
Of all the advice people told me before having a baby, no one warned me about the amount of decisions involved.
Parents of toddlers all know the moment when realise your child is being suspiciously quiet. It can only mean one thing - trouble!
If you have trouble recalling the ages of Jeremy Ryan's seven children on The Voice, you're not alone. So does he.
Getting glasses can be a formative moment in a person's life.
When a mum of six was caught shoplifting nappies, clothes and shoes for her kids, the last thing she expected was for a stranger to pay for her haul.
The risk of having uncontrolled depression is far greater than the small increased risk of birth defects that may be associated with specific antidepressants.
Police have raided properties and arrested a number of people over a brawl at a child's birthday party at a play centre in Sydney's west.
Looking for a creative way to share some big news? Look to the skies, like this family did.
Little Owen DiCandilo's name means "young warrior", and it's a description that perfectly fits the inspiring 18-month-old
The exhaustion that comes with caring for young children often means romance between parents becomes a thing of the past.
I've been fat for pretty much most of life, besides a few crazy moments of being less-fat, but for the most part I've existed on this earth with a little more meat on my bones than desirable.
Since the dawn of civilisation, generation after generation of new parents have had to rely on instinct, trial and error - and sometimes get it wrong.
Get your free ticket to The Essential Baby & Toddler Show and save $20 - register online now!