Jump to content

Costs - how does it work?
obstetrician, hospital and safety net


  • Please log in to reply
6 replies to this topic

#1 MrsAx

Posted 26 April 2012 - 11:13 AM

Im so confused about the costs.  Here is what I know, let me know what else i need to know.  
1. You have appointments with your private obs, which are out of pocket, Im guessing you have say 5-10 of these and they might be $50 - $150 each
2. You pay a management fee to the obs which for me is $4,000
3. Im not sure what medicare reimburses
4. how does the safety net work - is that just out of pocket costs for out of hospital in a calendar year? do you get everything back after $1198? does the obs visits and management fee count towards this?
5. once in hospital, you pay your private health insurance excess only

#2 Melissam12

Posted 26 April 2012 - 11:15 AM

You'll probably have 10-14 appointments with your ob.

#3 NotBitzerMaloney

Posted 26 April 2012 - 11:24 AM

1. Appointments - mine are $100 and I get about $40-60 back. The number you have depends on how your pregnancy progresses. Second time around I basically asked for minimum number of appointments (ie most people are going fortnightly or weekly at this stage, I'm every 3 weeks)
2. Same. Of this I got $460 back from Medicare
3. As per 1&2
4. The amount you get back after you reach the safety net is different for obstetrics than other items. Basically.... Just presume there isn't one and you might be pleasantly surprised to get a few $$ back.

Hospital costs - you may have to pay your private health insurance excess and another "out of pocket" costs (my hospital it was another few hundred dollars.

5. OTHER: You may be up for other costs. Some OBs charge extra for an emergency c/s (e.g. An additional $1-2k), anesthetist costs are extra (Anywhere from nothing to $1k-4k), you may have a pediatrician visit your child ($200?) esp if a c/s.

Call your OB's office and get them to talk you through it all

Edited by NotBitzerMaloney, 26 April 2012 - 11:26 AM.


#4 ~Nic~

Posted 26 April 2012 - 11:36 AM

1. I had 10 appointments with my ob, starting at 12 weeks I went ever 4 weeks, then when I got to 32 weeks, I went fortnightly and then weekly from around 38 weeks. My ob didn't charge anything out of pocket for the check ups, but some obs do. You will get around $35 per visit back from medicare (health funds can't pay on dr's outside of hosp, so it's just medicare), so the amount you pay will depend on what your ob charges.

2. Yep, you pay the management fee to the ob, $4000 seems to be the average for metro areas.

3. You will get some of that back from medicare, but I think it's only in the ball park of around $400. Don't forget that you spend over $2000 in medical expenses (including things like doctors fees, dentist, physio etc, but not including your hospital excess from your health fund) you can claim a portion back on your tax.. it's around 20% of what you pay after the first $2000. Look into the medical expenses tax offset.

4. Safety net only applies to outpatient services, so things like you checks ups and scans with the ob, and also things like visits with your GP or blood tests at the pathologist. Not sure about how the management fee works with it now... when I had my kids, it was counted, but I have a feeling that has all changed. Best bet is to call medicare on 132011.

5. Check that the hospital you are going to has an agreement with your health fund. I work for a health fund and have had people claim on the hospital bills, only to find out that the hospital doesn't have an agreement with the fund, so the fund can't pay the whole bill. Call your fund to find out. As long as the fund has an agreement with your hospital and as long as you have cover as a private patient in a private hosp for pregnancy, you shouldn't have anything else to pay for yourself. (Bear in mind - hospital bills only include things like private room accomodation, theatre fees / delivery suite, medication, meals for yourself etc. Your ob's delivery fee is not included in the hospital bill - it's a seperate bill that you can claim back through both medicare and your PHI. Check with your ob and ask if you will have any out of pocket expenses for the delivery fee). If your partner stays in hospital with you at any point though, the hospital will probably charge a boarders fee for him and that isn't claimable.

Also remember that if everything goes according to plan, bub will probably "room in" with you - they will be put in one of the plastic cribs in your room. This means that bub is classed as a boarder, not an inpatient, so you can't claim and doctors bills for bub. Only bill you should get though is the peadeatrician who will check bub out before you go home, and that's claimable on medicare only. If however the dr decides that bub needs a little more attention, and they decide to admit bub in to NICU or special care nursery, you need to call you fund STRAIGHT AWAY and get them added on to your cover. Your fund should offer continuity, which means any waiting period you have served, you bub will have served as well. So, as long as you have served all of your wait's, but will be covered from birth. If that's the case, bub's accomodation, theatre fees and dr's fees should be claimable through your fund and medicare (medicare won't pay on private hosp bills though, only the doctors).

Best bet from here - call your fund, make sure the hospital has an agreement with them. Also ask when you need to upgrade to family cover (some funds make you do it before bub's born). Call your ob, ask if there are any out of pocket expenses for the delivery fee and how much each of the visits will be and what the item number is for the visits. Then call medicare, give them the item number and ask how much you will get back on your visits and ask about the pregnancy management fee and if that counts towards safety net.

Good luck!



#5 Melissam12

Posted 26 April 2012 - 11:44 AM

You're also out of pocket for scans and pathology.

#6 Melissam12

Posted 26 April 2012 - 11:47 AM

The govt has essentially cut the benefits that you can claim for obstetrics, and at the same time, has introduced generous benefits for private midwifery care.  There are options in Sydney, QLD and possibly Melbourne and WA where you can birth in hospital with your private midwife, with obstetric back-up.  This is cheaper (on average) than private obstetric care as the benefits are more generous for private midwifery than private obstetrics.

#7 jess1980

Posted 26 April 2012 - 05:51 PM

Omg I never realized how expensive it all is! All I've ever had to pay for my first daughter was $55 per drs appt, same with the second. This time I'm going to a specialist and it's $70 per appt. I'm going private in a public hospital and there's no gap between what Medicare and my private health covers thank god I wouldn't be able to afford all that




1 user(s) are reading this topic

0 members, 1 guests, 0 anonymous users

 

Share the little things that make you smile

We're giving away a Mountain Buggy nano, the ultimate travel stroller - and here are some of the great entries so far.

Toddler pleads for return of "stolen" nose

A two-year-old's reaction to a game of "got your nose" shows it doesn't take much to make a toddler cry.

The 15 photos new parents share (and five they don't)

From the first scan photo to the baby covered in cake at their first birthday party, there are 15 photos most parents seem to share - and some they don't.

Doctor sings first Happy Birthday to newborns

His job is to deliver babies, but this US obstetrician also has a unique way of celebrating the miracle of life.

Breastfeeding friendly café goes viral

A photo of a breastfeeding-friendly sign in a cafe has been posted to Facebook and shared by hundreds of mums around the world.

First look at the Bugaboo Bee3

The newest Bugaboo Bee ? the Bee3 ? offers a variety of improved features, including a much asked-for bassinet and a rainbow of colour combinations.

Childcare costs, not paid leave, the real issue for parents

Given the choice between maintaining their wage for six months to have a child, or having a reduced rate of pay for a time but a better deal on childcare when returning to work, there are no odds on what most working parents would choose.

Win a Mountain Buggy nano

We?re giving away the new Mountain Buggy Nano - the lightweight travel buggy! So show us the little things that make you smile for your chance to win.

We lost three babies in two years

Our first pregnancy ended the way we all expected it to - with a healthy, happy baby in our arms. What a true blessing he was, for we were not to know the heartache we were about endure.

Family turned back from doomed flight MH17

'There must have been someone watching over us and saying, 'You must not get on that flight,' says mother who narrowly avoided boarding the Malaysian Airlines flight which exploded in mid-air over the Ukraine last night.

The myths and facts about "normal" breastfeeding

When it comes to successful breastfeeding, there is a wide variety to what is "normal", according to new research.

Adorable Skeanie loafers for kids

Your little toddler or preschooler can now get their nautical on with a new range of classic loafers by Australian show brand Skeanie.

My baby is hypermobile

For months, I have been telling myself not to worry that Jasmin isn't crawling or walking. This week I heard the term hypermobile for the first time.

When you don?t bond with your baby

They say that there is no bond greater than the bond between a mother and her child. But for some women, the mother-baby bond takes more time and effort to develop.

Yumi Stynes: Having a baby after a 10-year break

After a long break, Yumi Stynes gets a reminder of the pain - and the pleasure - of giving birth.

Grieving father asks for help to Photoshop his daughter's image

When Nathan Steffel's daughter Sophia died from a liver condition at just 6 weeks old, he reached out for someone to create a beautiful image of his little girl.

Raising kids in a 'low media' home

Can you imagine a life without TV or computers? Some parents are opting for a low-tech, screen-free life for their kids.

Download now: Essential Kids Activity Finder app

Got bored kids? Quickly find the best activities for kids wherever you are in Australia with the Essential Kids app.

 
Advertisement
 
Advertisement
 
 
 

What's hot on EB

Win a Mountain Buggy nano

We?re giving away the new Mountain Buggy Nano - the lightweight travel buggy! So show us the little things that make you smile for your chance to win.

Be careful what you say, your baby is listening

The importance of speaking to your baby even if they are not old enough to answer back has been highlighted by new research.

WIN two Sea-Bands plus $1000

Three lucky fans can win a Sea-Band Prize Pack valued at over $1000 each, which includes two Sea-Bands plus a $1000 Eftpos Gift Card!

The beautiful moment a baby was born at the side of a road

It's not where she expected to give birth, but mum Corrine Cinatl is delighted that her daughter's roadside arrival was captured in a series of beautiful photos.

Doctor sings first Happy Birthday to newborns

His job is to deliver babies, but this US obstetrician also has a unique way of celebrating the miracle of life.

The Nappy Collective starts new drive

It's that time of year when the dedicated volunteers at The Nappy Collective do their bit to help out mums and children in need - and they need your help.

Baby shower cake wrecks

From misshapen cake babies to questionable text, from odd colour choices to internal organ recreation, these are the baby shower cakes that taste forgot.

Photographer captures the beauty of adoption

The love of a family is usually tough to capture on camera. This is an exception.

Pregnancy progression photo ideas

Want to record your pregnancy as your belly grows? Here are some creative, fun ideas for photo shoots along the way.

The myths and facts about "normal" breastfeeding

When it comes to successful breastfeeding, there is a wide variety to what is "normal", according to new research.

Tin can craft and DIY ideas

Got a few old formula, Milo or coffee cans around the house? Use these fantastic upcycling ideas to create items for around the house and yard.

Dads meet their newborn for the first time

Emotional photos of two fathers meeting their newborn son have resonated with viewers worldwide, attracting thousands of Facebook likes and shares.

Skin safety isn't just a summer worry

Lax about the slip slop slap with your kids as weather turns cooler? Here's a reminder as to why we have to remain vigilant for our children?s future health.

Personalised baby gifts

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.)

Creative sleeping baby photoshoots

See how some parents and photographers have captured sleeping babies in unusual positions and using different props.

DIY kitchen and food hacks

DIY your way to a better kitchen and make cooking easier with our clever hacks. (Some content reproduced with permission from mashable.com.)

Winter warmers for babies and toddlers

Your baby or toddler will be nice and snug in these beautiful and fun winter pieces. Most are hand-made or knitted, and they're all designed to keep your little one toastie - and adorable!

 

Mind, body, beauty, life

Making time for me

We look at your wellbeing, covering health, relationships, beauty and fashion, mind and body.

 
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.