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

 

Special offer: The Baby & Toddler Show 2014

At The Baby & Toddler Show, you?ll find everything you need to get ready for your new arrival and guide you through the early weeks and years of parenting.

An open letter to Tony Abbott: please salvage our super

We face financial ruin, but most of us don?t realise it. If we don?t act together to salvage our superannuation, I have no doubt the new GFC will be the Girls? Financial Crisis.

'I'm happy to know I'm changing lives': surrogate mum of two

I know that once the baby is born, I will focus on the gift I have given, and watch the parents with their new child. I can't wait for that day.

Birth trauma and the issue of informed consent

There is a perception that women should just be happy they have a healthy baby in their arms. But for women who experienced birth trauma, there's a lot more to it.

Tips for managing pollen allergies and hayfever

They're simple tips, but they can have a big impact on those who suffer from hayfever and pollen allergies.

Ada Nicodemou shares tribute to her stillborn baby

Just over one month since Ada Nicodemou and her husband lost their second son, the Home and Away star has shared a touching poem for her baby.

Mum causes stir breastfeeding on train

?To the woman breastfeeding her kid on the train. Seriously! On the train?" began the letter of complaint.

10 things they don?t tell you about being pregnant

As I slowly waddle my ever-changing pregnant body towards the finishing line of my due date, it?s becoming increasingly clear there are a lot of things they just don?t tell you about pregnancy.

Overcoming a fear of the dark

A toddler's fear of the dark is very normal, but there are ways parents can help children through this stage in their development.

Kids, TV and movies: how young is too young?

It seems you don't have to throw the TV and iPad out the window - it all boils down to moderation, supervision and interaction.

Video: Baby's first birthday is a special day for mum, too

?A baby?s first birthday is also mum?s first birthday.?

The day Supernanny came to tea

Prince William's favourite celebrity child trainer Jo Frost puts Bryony Gordon and her toddler through their paces.

Tales from the homefront

When you're at work you sort of assume that your house is basically just sitting there quietly doing nothing until you return. However, since spending my days at home, I've learned this couldn't be further from the truth.

The words I hated hearing as new mum

It was less than a week after my son was born that I first heard it - from my mother.

To the pharmacist who sold me baby formula

On the rare occasion I catch sight of you at school, or around town, I think back to our earliest exchange. I?m sure you have no recollection of it at all.

Babies may benefit from autism therapy

Children showing signs of autism don't usually receive early intervention until well into toddlerhood or later, but a new study suggests infants with symptoms of the developmental disorder might benefit from therapy from as early as six months.

Knatalye and Adeline born with an everlasting bond

Knatalye Hope and Adeline Faith are a lot like any other identical twin girls, but there is one dramatic difference: they're joined at the chest and shares several internal organs.

The question this dad wishes he'd asked his wife

I should have seen that my wife wasn't the same person I'd fallen in love with, but we were both too focused on simply trying to get by.

Why we should talk about the deaths of the Hunt children

The deaths are too horrible even to think about. Yet we owe it to the children - Fletcher, Mia and Phoebe Hunt - to think long and hard about it all.

Baby dies of meningococcal weeks after vaccine application denied

A six-month-old girl has died from meningococcal disease just weeks after an application for government funding of a vaccine for the most deadly strain of the virus was rejected.

Finding the right balance when playing with your kids

Being too involved in our children?s play and not allowing our kids enough free time for unstructured activities can mean our kids miss out on the value that play offers.

Creative DIY light shades

The Pop Light light shade comes in a flat pack already made - it's up to you to design it as you'd like.

The battle of iParenting versus imagination

Have we forgotten how to be imaginative, resourceful parents?

Why movement is so important for your baby's growth

Letting your child move as much as possible in the early years ? using all senses, engaging in the real world, preferably outside ? will help them grow up healthier, smarter, calmer and stronger.

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
 

Top 5 Articles

Advertisement
 
 
 

What's hot on EB

Special offer: The Baby & Toddler Show 2014

At The Baby & Toddler Show, you?ll find everything you need to get ready for your new arrival and guide you through the early weeks and years of parenting.

Losing yourself to motherhood

While watching your baby grow into a unique little person is exciting and wondrous, the intensity of meeting everyone else?s needs can ever so sneakily overtake your own needs for self-care.

Tearing during delivery: the facts

Almost all women will experience bruising, grazing or tearing after a vaginal birth. Depending on the degree of tearing, there are various treatments available.

6 tips for a day out with a baby and toddler

Outings can be lots of fun with the kids, but there are inevitable challenges. Here's some information about days out to help you be a little more prepared.

Why I invited a dozen people to watch my son's birth

I sent invitations on burgundy scrapbooking paper stamped with a field of poppies, and told each person why I wanted him or her there. I warned that there would be nudity.

Getting labour started: tips for a natural induction

When your baby?s due date comes and goes without so much as a pop - let alone a bang - it can be disheartening. Mums and a doula share their stories of natural inductions.

7 mistakes old hands make with new babies

As I sat across the table from my friend ? me, a seasoned mother of three; her, a brand new mum ? I thought of all the mistakes an old-hand parent can make when visiting a newborn baby.

That's my boy: a dad's diary of the first 4 months

Unbearable anxiety, unspeakable joy, constant exhaustion and bouts of frustration ... The many shocks of first-time fatherhood resound in a dad's diary of his son's early months.

One of the most important things a new mum can do

Finances may not be as cute as a newborn, but with many women?s working arrangements changing post-baby, monetary matters need attention too.

Baby survives five days alone

He lay with his mother for up to five days after she died of a suspected drug overdose - and survived.

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.)

 

Reader offer

2 FOR 1 TICKET OFFER

For Shopping, For Advice, For Baby & You. Enjoy a special day out with fabulous shopping from over 200 brands, leading parenting experts offering advice on a range of topics, and amazing children?s entertainment

 
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.