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

 

WIN a $500 Visa debit card

Are you a parent? Simply take our survey for your chance to win a $500 pre-paid VISA debit card.

Dads' smoking before conception increases asthma risk

Fathers who smoke are more likely to have children with asthma even if they quit the habit before their baby is conceived, according to new research.

#birthjusthappened: the photos changing the way we see labour

There's no doubt that post-birth photos can have a powerful effect on women. But are they enough to change the way pregnant women feel about their own impending labours?

Tips for roadtripping with a baby

Techniques that served me well as a baby-free traveller have been rendered useles - but here’s how you can make this season’s road trips smoother than your newborn’s skin.

Gluten and nut-free lunchboxes made easy

Traditionally, packed lunches are packed with gluten (think breads, wraps and biscuits). One mum has created a gluten and nut-free solution.

Is this the new royal baby's name?

This traditional girl's name is the favourite among punters in Britain.

6 creative ways to save childhood memories

For some parents, recording facts like their child’s first word, first tooth and first steps isn’t enough. They’re taking memory collections to the next level.

Breastfeeding mum escorted off plane

Virgin Australia has come under fire after a breastfeeding mum and her 10-month-old son were escorted off a flight.

If toddlers gave performance reviews

Hello there, Mummy. I've been looking forward to this meeting for a while now. Overall, I'd like to say that you've been a great addition to the team so far. You've really been working your tail off. So, kudos to you.

A sweet proposal video worth watching

'The Special Proposal' tells the story of Salvatore asking his girlfriend Caterina a big question.

Why is it taboo for women to breastfeed each other's babies?

Why is the idea of nursing someone else's baby so socially unacceptable?

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!

Genetic 'miracle baby' born after trailblazing IVF

A new method that screens embryos for more than 200 disorders is already making dreams come true.

Mum-of-three's bikini body inspiration

Rachel Hollis wanted to share a photo of herself in a bikini to encourage other mums to be proud of their bodies.

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.

Adopting a child in or out of Australia is far from simple

Australians have wildly different experiences on their journeys to adopting children.

Breastfeeding doesn't make you a better mum - feeding your baby does

Given my immense dislike of Hopkins and her opinions, I was genuinely shocked to discover that last week she actually said something that I agreed with.

'Toni, another baby has died': the anguish of watching governments fail our babies

It has been six years since whooping cough claimed the life of four-week-old Dana McCaffery. Her parents are angry that lessons learnt weren't enough to save other babies.

Longer breastfeeding linked to higher IQ

A study of 3500 infants has found that babies who are breastfed grow up to be more intelligent and wealthy.

The 2015 flu vaccine: what's new, who should get it

For certain members of the community, catching flu can lead to severe illness or death. A vaccination can be lifesaving.

Dealing with a nappy escape artist

I hear about the tots that have a penchant for ripping their nappies off and the odd one that even smears the brown stuff on the walls and fine home furnishings, and I shudder.

Hospital apologises for 'traumatising' baby mix-up

St Vincent's Hospital has apologised "unreservedly" for a baby mix-up that left one new mum traumatised.

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!

 
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.

Tips for flying with a baby

Travelling with kids requires a whole other set of skills - ones that I have learned through (sometimes unfortunate) trial and error.

How to stay calm in an emergency

I’m not expecting you to be as calm as you might be right now. What I mean is that if your panic levels are through the roof during a stressful situation, let’s bring them down to just under the ceiling.

Toddler gets 'drunk' after cranberry juice mix-up

A toddler was taken to hospital after a waitress served her sangria instead of cranberry juice at a US restaurant.

We need to stop using this word when we talk about childbirth

Is it shaming to point out that women are often being let down in birth?

The certificate helping parents deal with pregnancy loss

For some people, this certificate will offer a sense of validation that their child was acknowledged as being here and now gone, and will help them with life post-loss.

The phenomenon of phantom pregnancy kicks

'Phantom pregnancy kicks’ are encountered by many mums months - or even years - after their pregnancy is over.

The health insurance advice you can't afford to ignore

There's one simple switch that could save you hundreds of dollars a year in private health insurance.

4D scans show how smoking affects babies still in the womb

The harmful effects of smoking during pregnancy on unborn babies may be seen in tiny movements in their faces using 4D ultrasound scans, research has found.

The most dangerous toddler food trends

Pete Evans' paleo cookbook for kids caused a storm, but there are plenty of other unsafe food trends for babies and toddlers.

Infection killed new mum of twins

Modern medicine could not save 19-year-old Sophie Burgess who died 48 hours after giving birth to twins in the UK.

How to babyproof your job interview

Once upon a time, I was a fan of job interviews. That all changed after I'd switched careers, had a baby and decided to spend the first year at home with her.

Grieving families give warnings after toddler deaths

Two Queensland families are grieving the loss of their toddler sons after the boys drowned in separate incidents last week.

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.

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.

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.

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.