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

 

Wondersuit heaven: Bonds & Disney launch exclusive collection

Bonds and Disney fans with babies to buy for will be celebrating this news. Bonds and Disney have just released collaboration Wondersuits.

Town welcomes first baby in 28 years

Since the 1980s, the Italian town of Ostana had not seen the birth of a single baby.

Great-great-grandma delivers great grandchild in her own home

''I've delivered calves, lambs, dogs and cats, but nothing like this.'' This 'Super Gran' calmly peeled the amniotic sac over her great-grandson's head before discovering the umbilical cord was wrapped around his neck ... twice.

How to start teaching your kids road safety

It's something that can be taught as early as possible and reinforced as they get older and more mobile - even from toddlerhood.

Just announced: Bugaboo Cameleon³ Classic+ Collection update

Meet the brand new understated chic model from Bugaboo.

The emotional moment a mum hears her late son's heartbeat

It's been two and a half years since Heather Clark's seven-month-old son Lukas passed away.

Nine reasons why you have 'brain fog'

One minute your productivity is skyrocketing and the next you're sitting there trying to focus – just like that you draw blank, your brain, mush.

I had a caesarean and it was beautiful

Guess what? Despite not pushing him out, I cried, and my heart skipped, and I felt the rush of love and pride when I saw him for the first time.

Microcephaly still a mysterious condition around the world

For parents, having a child with microcephaly can mean a life of uncertainty.

7 baby firsts you won't see on milestone charts

Here are a few 'other' baby firsts you may not have been expecting, but you'll want to be ready for.

Why it's important to vaccinate on time

My son was born on the 1 July 2014. It's a fabulous birthday, don't you think? Not only does the first of July ring in a new financial year, but it also means we've hit the year's half way mark.

Naturopath treatment allegedly left baby "days from death"

A naturopath whose treatment of a baby boy allegedly led to the infant being severely ill has pleaded not guilty to charges against her. 

Andy Murray's emotional speech to pregnant wife after Australian Open

A teary-eyed Andy Murray promised pregnant wife Kim he'd be on the next plane home after his turbulent two weeks at the Australian Open came to an end.

This toddler and his duck BFF will melt your heart

A small boy in the US has struck up a quacking good friendship with an unlikely companion ... his pet duck. 

Great news for coffee drinkers - caffeine is good for your heart

Researchers have found that, contrary to prior belief, caffeine does not cause health-threatening heart palpitations.

I always wanted children - but I've found other ways to be maternal

I've always been one of the most maternal women I know.

When only one parent wants to know the gender

For some couples you either both want to know the gender of your unborn baby, or you don't. For others, it's not that simple.

'No jab no play' could hurt disadvantaged children, experts fear

Tough new "no jab no play" laws could hurt children who have not been immunised due to family dysfunction, poverty, or poor access to medical support, experts warn.

Zika virus: Airlines offer refunds to pregnant women

Airlines and cruise companies across the world are offering refunds or travel credits to pregnant women who are scheduled to visit countries struck by the devastating Zika virus.

#meditateonthis: Mums fight back against PND ignorance

Not all women will require medication, but many will. And there isn't and shouldn't be any shame in that.

 
Advertisement
 
Advertisement
 
 
 

What's hot on EB

Penny Wong

'The most hurtful argument in the marriage equality debate'

Labor frontbencher Penny Wong is used to to hearing arguments against same-sex marriage. But for Australia's most prominent gay politician, one hurts more than others.

Does exercise have to be fun to work?

Some things in life are inherently served with a big scoop of fun: balloons, bubbles, cupcakes to name but a few, but exercise?

Hair dye gives woman second-degree burns

She wanted a fresh colour for 2016, but instead she got chemical burns.

Kelly Slater saves mum and toddler from 'freak wave'

A Perth family has thanked US surfing "legend" Kelly Slater after the star saved a mother and a young toddler from "a freak wave" in Hawaii.

Apple recalls millions of power adapters

Tech giant instigates massive international recall of power point adapters due to risk of electric shock.

Toddler's adorable alphabet goes viral

It's impossible not to share this little boy's excitement  about the alphabet.

Tot's nighttime waking saves family's life

Like all tired parents, Monique and Kyle Ruppel were looking forward to the day their 15-month-old daughter Celia would start sleeping through the night. 

Australian mum gives birth to quintuplets

An Australian mum who has shared the ups and downs of carrying quintuplets has welcomed her five babies into the world.

Dad of four girls faints at gender reveal for fifth baby

It was all too much excitement for this dad.

The simple way you can help your baby's language development

The way parents respond to their child's babbling can shape how their infants communicate.

Zika virus is 'spreading explosively': WHO

The World Health Organization announced that it will convene an emergency meeting about Zika.

National database recommended for child protection cases

Baby Ebony was repeatedly failed by the agencies tasked with her protection before her horrific death at the hands of her father, South Australia's deputy coroner says.

Hospitals put babies at risk by ignoring policy on elective caesareans

Thirty-eight weeks or 39? Non-medical factors are pushing women to have elective caesareans earlier than official guidelines - and hospitals are playing along.

Police help deliver baby on busy roadside

Two police officers delivered more than a traffic fine by the side of a busy Melbourne road yesterday.

1D's Louis Tomlinson shares first photo of baby

One Direction's Louis Tomlinson has posted the first picture of his baby boy, Freddie, on social media.

 

FREE TICKET

Free first aid demonstrations daily

Get your free ticket to the Essential Baby & Toddler Show and save $20 - register online now!

 
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.