Thanks for your advice Zingy
I'm not 100% clear on what it means to be a private patient in a public hospital, it's so confusing!
Does that mean:
-you get a private room (if available)
-you can choose the doctor (but have to pay extra)
-you have to pay excess on the hospital stay
-All of the above?
Why do some people choose to go to a public hospital as a private patient (instead of just going to private), do they save costs this way? If the only out of pocket is for the obstetrician, then wouldn't you have to pay the same amount regardless of whether you're in public or private?
Also, is it possible to transfer to a private hospital after you have the baby?
QUOTE (zingy @ 11/01/2013, 12:03 PM)
My experience and knowledge of this is;
The out of pocket expenses you mention are normally for the OB cost, not the hospital.
I delivered my first bub at the Royal North Shore Public as a private patient, not by choice but because I went into labour before 32 weeks. It was completely fine and they have done massive renovations since then too. The benefit of delivering at Royal Northshore Public is that they have the NICU facilities if you need them. They do not have high end NICU at private hospitals, just the Special Care Nursery.
It is your private OB cost that you need to limit if you don't want the big out of pockets.
You only get about $440 back from medicare for your OB. Some charge $2000, some charge up to $10,000.
You may as well deliver at Northshore Private as your OB out of pockets will be the same either way.
Just to be safe though, phone your private health provider and double check that you are completely covered for the private hospital costs.
The other thing to consider is that some private OB's don't deliver at public hospitals.