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The Bar For non Automotive Related Chat |
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#31 | ||
FF.Com.Au Hardcore
Join Date: Dec 2004
Posts: 22,900
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Yes I have used my private health cover a few times now and im only 26...
Plus I get free dental check ups yearly and a fair amount of my glasses paid for each year. Worth having if you ask me. |
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#32 | |||
FF.Com.Au Hardcore
Join Date: Dec 2004
Posts: 22,900
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Quote:
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#33 | ||
Virtuous Bogan (TM)
![]() Join Date: Jan 2005
Location: TAS
Posts: 27,559
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Im at uni fullltime and choose not to work, my wife is choosing to work part time at the moment, 2 kids blah blah and we manage so I would say that just about anyone can.
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#34 | |||
FF.Com.Au Hardcore
Join Date: May 2006
Location: In my happy place
Posts: 5,432
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Quote:
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Pariahs C.C. What could possibly go wrong I post images with postimg.cc (so I don’t forget) |
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#35 | ||
Banned
Join Date: Apr 2009
Posts: 598
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It's really not worth having private insurance.
You might spend 2500 on dental work, but for the thousands each year in premiums you'll probably get 1100 back on the 2500. Those funds make money...a lot of money, the reason is they make money from us. |
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#36 | |||
Call me Spud
Join Date: May 2008
Posts: 1,995
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Quote:
Last edited by Spudz27; 27-07-2011 at 09:18 AM. |
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#37 | ||
Banned
Join Date: Feb 2008
Posts: 301
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Pop one kid out in a private hospital and it pays for itself 10 times over.
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#38 | ||
Saving for a Jet Car
Join Date: Apr 2005
Location: richmond.nsw.au
Posts: 3,745
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I got all my wisdom teeth extracted in 1998 under the public system, only cost about $800 back then.
I did have a chat with my accountant last year about health insurance, she said unless you have chronic health issues it's not really worth it, your almost better off putting the money into a separate bank account and saving it for when you really need it. The only other real advantage is getting specialist procedures booked in and done quicker, otherwise you wait up to 12months on the public system.
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RIDES 2011 SZ Territory Titanium TDCi - Smoke 2001 Mitsubishi "BONSAI" GSR Mirage - see thread |
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#39 | |||
FF.Com.Au Hardcore
Join Date: Feb 2006
Posts: 1,224
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Quote:
My brother and his wife had their kids in a private hospital, things went relatively well and he was out of pocket thousands... For what? A glass of champagne, and your own room?? Doesn't reflect good value for money in my mind! For more serious conditions, then yes, private health can certainly be worth it. But to give birth? And then be left out of pocket by a grand or 2?? |
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#40 | |||
Saving for a Jet Car
Join Date: Apr 2005
Location: richmond.nsw.au
Posts: 3,745
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Quote:
A mate and his mrs of mine went public, cost them thousands(not sure how) We went public, Zero Dollars and the mrs spent 5days in prior to birthing and 5days after.
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RIDES 2011 SZ Territory Titanium TDCi - Smoke 2001 Mitsubishi "BONSAI" GSR Mirage - see thread |
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#41 | |||
Regular Member
Join Date: Oct 2009
Posts: 236
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Quote:
Costs aren't exactly cheap for dentists themselves, and they've still got too make a good living, so you can't be charged just above cost. School fee's (another 60-80k for specialists), staff, rent, instruments (would you guess one good drill costs $1500+?), time and expertise all add up. Dentist's make a good living, but it's not like they are ripping you off. That said, some can be a bit shoddy. |
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#42 | ||
" Let there be Rock "
Join Date: Nov 2005
Location: QLD
Posts: 849
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Cardiac Ablation Surgery ( to repair wiring of the heart )
Cardiac Theatre Fees - $9500 Ablation technology equipment fees - $4000 Anastethic guy - $2500 Cardiac Electrophisioligst Surgeon Fees - $4500 Private hospital fees for ward - $2000. Over $20 000 worth. Public system - Wait a LONG LONG time. Private system - Excess of $1000 and $30 for some trendy white stockings. ( plus $160 per month premiums for a family of 4 with top level hospital cover ) I know what I would prefer. AC/DC |
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#43 | |||
Thailand Specials
Join Date: Aug 2009
Location: Centrefold Lounge
Posts: 49,028
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Quote:
I've got holes in 4 or 5 of my teeth, some are chipped, stripped the enamel off them after damaging them from stripping the lining on my bowels, stomach and throat during a public hospital stay (got my own room too, stuck in isolation ward). It doesn't bother me enough to spend stupid amounts of money getting my teeth "fixed" or removed. Which still work, albiet a bit painfully, at a dentist, they're worse than car dealerships. Last edited by Franco Cozzo; 27-07-2011 at 07:06 PM. |
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#44 | ||
FF.Com.Au Hardcore
Join Date: Nov 2009
Location: Ipswich, Qld
Posts: 1,354
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I don't have a problem with paying for it...I obviously need it done, my problem is I'm not electing to have this 'surgery', it's compulsory...and yet none of the theatre fees are claimable...
![]() In a chair would be about $1500... :\ $50 for three minutes (yes, I timed it) with the initial dentist for her to send me across the road for an x-ray. $110.00 for the specialist...I was in there less than 10 minutes... I'd say they get paid pretty well...
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----------------------------------------------------- 2012 Focus ST Tangerine Scream Continually having a battle of wits with unarmed opponents. Sez ![]() Photo's by Sez |
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#45 | ||
FF.Com.Au Hardcore
Join Date: Apr 2011
Location: Gold Coaster
Posts: 1,307
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I need private health insurance due to mental issues yes I admit I'm forking out well over the quoted figures that have come up on here but in saying that when I go to see my psychiatrist and go to hospital twice a year for necessary therapy I have my own room I don't pay excess and can smoke in any outdoor area in a hospital 24/7 while staying there and I don't go to communal mental wards (public system) where more often then not ppl get abused.
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#46 | ||
Lucifer's Angel
Join Date: Dec 2004
Location: Sydney
Posts: 5,282
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I don't see the point of health insurance really. I much prefer to pay for what I use, instead of throwing money away for nothing - and STILL having to pay on top of that.
I pay for my Optometry, my Endocrinologist appointments, and the dentist, plus my GP. My Grandmother was in a fund, but because she was so tight with money, she'd book in for every little thing they covered (as long as there was no gap), regardless of if it was necessary or not. Wasting everyone's time, just because she was 'entitled' to it. My mum has had many, many major surgeries in her life time, been on dialysis, and all of it was covered by Medicare. (No health fund will touch her anyway as she's a chronic case). Her parathyroid removal and relocation, her two bowel surgeries, two eye surgeries, creating of a fistula for dialysis, the months of dialysis prior to the transplant (including the loan of a machine and all the supplies to have at home, to make it more convenient for her), and the transplant itself. She's never had any problems with the public system, only thing she really had to 'wait' for was the transplant, but that's understandable with such a long list, and not enough donors. Her first eye surgery this year was done within about 3 weeks of her becoming aware there was an issue, the second one was done about 6 weeks after that. The surgeon tried to talk her into paying for private treatment by telling her she'd get in quicker, and that he'd do the surgery himself, not just supervise a student doing it. One of her kidney specialists told her that was rubbish. He still did the surgery, he just didn't make the extra money he wanted for it.
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If there's one thing guys in Holdens hate more than being beaten by a Ford... It's being beaten by a girl driving a Ford ![]() |
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#47 | ||
FF.Com.Au Hardcore
Join Date: Mar 2006
Location: Adelaide
Posts: 2,343
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I believe in extras cover only. covers most things you need. If your are seriously ill and need hospital then its free anyway!
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#48 | |||
Virtuous Bogan (TM)
![]() Join Date: Jan 2005
Location: TAS
Posts: 27,559
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Quote:
Insurances are there to cover us for things we cant afford. Id prefer to be safe than sorry, if you goo through life perfectly healthy and the worst you can say is that insurance was a waste then Id be happy with that. |
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#49 | |||
T3/Sprint8
![]() Join Date: Jan 2005
Location: Australia
Posts: 16,340
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Quote:
There will always be storeys like your Mum above and good for her and glad she has been looked after for they are irriplacable but it looks like a long history therefore had been taking advantage when our system was capable and thankgoodness for that as I said but I can't trust the system of today (wish it was like the ol days) - sure some get through relatively easy still for surgical procedures etc but I'm sure there is a far higher % on "wait lists" nowadays and how many sad case's we don't hear about so if I can avoid the above or "que jump" for MY family heck I'll do without something for my 3kids and wife paying private....as Polyal says above.
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Tickfords T3/TS50 '02 Sprint8 manual Sept 24 '16 Daily Macan GTS "Don't believe everything you read on the internet. Abraham Lincoln" |
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#50 | |||
GT
Join Date: Apr 2005
Location: SYDNEY
Posts: 9,205
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Quote:
sezzy i strongly believe in health insurance . but just a little comparison , i've had it since 1986, paying $60 per week family , how do you think i felt , when i needed root canal , went to the HCF dental clinic , which gave me xrays at no cost , diagnosed infection , sent home for 2 weeks with anti biotics and told to take panadien , then come back and have a full head xray, hang on didnt i have xrays 2 weeks ago ? yes but this one is better , and it wont cost you anything sir you need it , it's worth $360 and there will be no charge , feeling a little upset about this and queerying why i need it , they said i do , so i gave them the benifit of the doubt , then they say , we cant treat you here , we need to send you to our specilaist in parramatta , so i ring the specialist , have to wait 1 month to see him for a consult , hang on , i've already had 2 consults . tuff luck the specialist also requires his own consult , @$120 dollars non claimable . upset about this i wait 1 month , go in get an xray , hang on thats now 3 consults and 3 xrays , one of thema full head/ facial xray . now the specialist says . you need root canal !!! ya think !!!!. the good news is , it will cost $1800 , and hcf will cover some of it , the bad news is i cant fit you in for a further 2 months , so his advice , take some more anti biotics and panadein . i go home ring hcf , ask about how much rebate i will get back out of $1800 , answer $240 sir which means $1560 out of pocket in 2 months time . decide to make own decision , march back to hcf , get tooth pulled at cost of $60 . i'm not sure being in a health fund always helps . where it comes in handy is if you need a hip replacement at a cost of $30,000 the fund will cover about $28000 of it . |
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#51 | |||
GT
Join Date: Apr 2005
Location: SYDNEY
Posts: 9,205
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Quote:
have to reply to this one mate . you had a completely different experience to me . going back 13 years ago . we went to a public hospital as a private patient for our birth delivery . the midwife said no need to call our obstetrician unless things get ugly and it is 2 am , ok so fully dialated wife could not push baby out , midwife says , somethings wrong . i say thats it , get our obstitrician here NOW , midwife leaves room , calls private obsterician 30 min to 1 hr away , meanwhile emergency obstitrician comes in panics , says nothing , cannot decide what to do , thinking c/ section . 40 minutes passes , our obstitician arrives , emergency obstitrician says thank god , i'm outa here , our obstitician performs perfect forcepts delivery . 2nd baby same cover same doctor , same hospital , wife wakes up at full term and says somethings wrong , babies movements have slowed , we go staight to hospital , doctor says everythings fine , your not in labour , go homeand dont worry , no we say and please call our obstitrician , the doc does , and advises we are just worried for no reason , and should go home , our obstetrician says , put here in a bed , i will be there in 2 hours . i want here induced for arvo delivery , hospital doc . ok if you insist . that afternoon our 2nd baby is born , the afterbirth placenta then comes out , the doc says ahah , your wife was right , the placenta had less then a day left and if you went home , possible still born , the next day . my friend went public as a public patient for birth delivery , only 1 hospital doctor was on duty , 2 called in sick , and many were in labour , complications arose , and the baby died due to doctor not being available . sorry but i had to share , what being private did for us . and i cannot advise anyone to go public , when there is no gaurantee , there will be a doctor available under the public system . |
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#52 | |||
GT
Join Date: Apr 2005
Location: SYDNEY
Posts: 9,205
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Quote:
DAMO . seriously mate , one day on a saturday night , your mouth will explode like it has a falme in it that cannot be put out , and you'll be in a chair begging for a dentist to pull your tooth or fix it . or worse might have a heart attack , and an emergency doc will call you a far can idiot for getting a heart attack from an infected tooth . seriously mate , sometimes we need to be educated . |
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#53 | |||
Banned
Join Date: Feb 2008
Posts: 301
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Quote:
So us like many would have happily paid for this service and level of care, but thanks to private health cover that costs little after tax incentives it is more than made up for in the savings from conception to birth. So as I said 1 kid in a private hospital more than covers the costs of insurance for several years, and pays for itself even more if you go ivf. |
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#54 | |||
FF.Com.Au Hardcore
Join Date: Feb 2006
Posts: 1,224
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Quote:
![]() Each to their own i guess... maybe we're a little luckier in canberra, as perhaps the public hospitals are better? My wife wanted nothing more then to just come home straight after the birth, buggered if she wanted to hang around in hospital, private or not! As for the tax incentives, i hardly think it's worth it... I pay 3k a year in health insurance, and all it saves me is $1000 per year on medicare levy surcharge... I guess that means i really get the health insurance for 2k per year, and it's there if we ever need it... I guess it'll pay for itself if the family ever need it for anything major, touch wood we don't! |
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#55 | ||
Virtuous Bogan (TM)
![]() Join Date: Jan 2005
Location: TAS
Posts: 27,559
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Well I guess we can all give examples of good and bad of either system.
My grandma just had a knee replacement through public and she was on the wait list for just under 2 years! Now some say if she can deal with it then fine, but wont you dont hear is that over that time it has now effected her back aswell. She is as tough as nails and will be ok, but not what I would call a good system. Im sure I remember seeing my birth invoices are the $7k mark, whether that included the weekly/fortnightly checks with the doctor I cant recall, either way times that by 2 and I am way up at the moment so no complaints from me. Ive also had a couple of fillings etc over the same time and our no claim bonuses cover them 100%. 6 monthly check ups aswell. What is a rort is my 2 year old son at the time was there and we thought what the heck, get him used to being in a chair and seeing the dentist...$60 for no joke 2 mins of looking in his mouth, that was also covered but talk about milking it! |
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#56 | ||
KITTY Crew Member
Join Date: Sep 2005
Location: WA
Posts: 5,267
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I have always had 10K in a good account, sort of a Self Funded Health Insurance.
Early this year my son kicked out a couple of my teeth and I blew 6K of this money. I am now insured. I am not behind in costs if you add up the years of not paying a health fund and receiving interest. But getting older now and I dont think its viable for me to pay my own way anymore.
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#57 | ||
Last warning
Join Date: Dec 2004
Location: Mornington Peninsula, Victoria HeadCount: 3
Posts: 11,194
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i used to work in the private health industry and saw the ins and outs....
some of the bills i saw are downright scary.
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#58 | ||
GT
Join Date: Apr 2005
Location: SYDNEY
Posts: 9,205
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along the baby boomers generation , they had money if they were wise with it in thier day , and had volunteered to be in a super fund etc . so lots of them , retired now are self funded retirees , uninsured .
in the earlier years lots of them focused on money for retirement , and health bills . literally now when they need it they could blow it all on health , i'm talking about life savings here . and the facts are , a lot of them don't blow it all , they take the risk and wait for the public health system . i guess for us still in the work force , health funds avoid this down the track. and my veiw on wether youll ever needed it or not is a bit rediculous . its like saying youll never grow old die and end up in a coffin . . thats is the result we all end up with , if we're lucky , along the way trying to acheive this we will be using the health fund . |
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#59 | ||
FF.Com.Au Hardcore
Join Date: Jul 2007
Posts: 609
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Remember with Private, If you want to choose a doctor or specialist that charges more than the private health fund with chip in for - you will have to pay the extra.
I broke both arms a while ago and went to the public hospital. I got a chump and they said one broken arm. Went to the specialist that would have had minimal gap with private and hes said 2 broken arms. (I didnt have private but it was reasonable - was going to cost a couple of grand). My mum who used to work in hospitals told me not to cheap out and get a good specialist and he found another piece of floating bone (3rd break) and you could tell he knew alot more than the other guys. I think he cost me about $4k but he said private wouldn't have covered much as he wont work for what they pay (fair enough - he's good and can charge for it). I have private now 34y/o to help for big items - cancer heart, etc but not when i was younger. |
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#60 | |||
Petro-sexual
Join Date: Dec 2004
Location: Melbourne
Posts: 4,527
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Quote:
Why should someone earning big bucks have better healthcare than the poorest of the poor? |
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