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wingman
Super M0derator
i had it for about a year when i first moved out of home and soon cottoned on to how much of a scam it is. Havent had it since.
If you add up the monthly premiums theres no way it can save you that much from a doctor visit. Basically like paying $300 a year to save $150 off the doctors bill.
Maybe its different for the chronically ill, i havent seen a doctor, specialist or hospital in years.
If you add up the monthly premiums theres no way it can save you that much from a doctor visit. Basically like paying $300 a year to save $150 off the doctors bill.
Maybe its different for the chronically ill, i havent seen a doctor, specialist or hospital in years.
Neddysmith
Standard kunce
I think it is a ripoff but with a young family I think it is a necessary evil, also if you playing competative sport it is worth it as well, paid for my knee reco and i was only out of pocket less than 1000 would have cost well over 5k and i got to choose one of the best surgeons going around...
nazzysmith
kuncesmith
Careful wingers...
Need to make sure you have some private cover from age 32...otherwise you start getting penalised like a mofo by the tax man...
Grippy
Fat Member
We had it for a while, cost a bloody fortune and still had to pay gaps and other shit.
Father in law has top cover, had huge bun fight with insurance company when he first started treatment for his leukemia. They sent him a $20k bill for medicine. After that his specialist ended up throwing him in public.
Father in law has top cover, had huge bun fight with insurance company when he first started treatment for his leukemia. They sent him a $20k bill for medicine. After that his specialist ended up throwing him in public.
1 colonoscopy and private health care has paid itself off for almost 2 years - that and being able to get in to hospital within a week or 2 instead of the usual long wait.
Add to that being able to buy $400-500 glasses for what $100. Contacts for $35 a pop.
7 sessions of physio at $25 each per year, instead of $75.
$150 back on gym membership.
You're going overseas and getting vaccinations? Here's some money back on that too.
Yes it is worth it.
Add to that being able to buy $400-500 glasses for what $100. Contacts for $35 a pop.
7 sessions of physio at $25 each per year, instead of $75.
$150 back on gym membership.
You're going overseas and getting vaccinations? Here's some money back on that too.
Yes it is worth it.
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Jungnaut
YOLO Kunce
THIS. I didn't realise that theres such a thing as age loading on private health insurance. Now I am paying an exorbitant % on top of my cover, to penalise me being all healthy and shit in my 20's and hence not needing cover then. Hard to get my head around this nonsense.
Oh well, judging by the number of times I see my osteo, physio, and massage therapist it pays for itself in the end.
wingman
Super M0derator
is it really that much difference? how much are you paying?
And are u seeing those specialists to try to salvage value from the insurance or because you actually want to?
i'd be keen to see the sums on:
tax penalty + specialist cost
vs
insurance premium + specialist gaps
It doesn't pay off till you get sick then it pays for itself 10 times over. My Mrs had her knee done, surgeon of choice, private, room, heaps of physio, $1000 out of pocket would have been $20k if we had to pay, and the waiting time on the gold coast for knee reco's is 2.5 years.
It's one of those things everyone thinks is a rip-off till they need it.
Big Mick
"2014 - Kunce of the year"
If the knee reconstruction is required then there would be no out of pocket expense as it's covered by Medicare, we are not in the US, here most medical stuff that is needed is free.
We quit our private cover as they wanted us to pay a few thousand $$ towards my missus having our first child, if you have private health cover you pay, if you have none it's free
Our daughter was born premature, and was in intensive care for two weeks while the missus was in hospital with her in a private room, did not cost us one cent, if we had private health cover it would have cost us a fortune as we would have to pay for our share.
Exactly my point, if you have no cover you pay nothing, if you have cover they send you a bill and you have to cover the gap.
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If the knee reconstruction is required then there would be no out of pocket expense as it's covered by Medicare, we are not in the US, here most medical stuff that is needed is free.
We quit our private cover as they wanted us to pay a few thousand $$ towards my missus having our first child, if you have private health cover you pay, if you have none it's free
Our daughter was born premature, and was in intensive care for two weeks while the missus was in hospital with her in a private room, did not cost us one cent, if we had private health cover it would have cost us a fortune as we would have to pay for our share.
Good luck mate if you think medicare is great you obviously haven't been in a public hospital in the last ten years. We are becoming more and more like America with our health care getting eroded.
WarbyD
Cant Squat Kunce
ive got it as part of my salary package.. we've made use of it for my daughters speech therapy which is handy and my wife and I will both be using it for chairo again soon.. it definitely wouldn't have paid for itself for us at this stage (if we were paying).
I had my gallbladder out last week and went in as a public patient because I am still in waiting period for pre-existing conditions. I had no issues with this.. had the same surgeon from consult to post-op, hospital was nice, food was acceptable.. To go private was a 2 month wait list when I first saw surgeon, public I waited about 3 months..
Honestly, our healthcare system is good enough that I really dont think its a must have at all...
I had my gallbladder out last week and went in as a public patient because I am still in waiting period for pre-existing conditions. I had no issues with this.. had the same surgeon from consult to post-op, hospital was nice, food was acceptable.. To go private was a 2 month wait list when I first saw surgeon, public I waited about 3 months..
Honestly, our healthcare system is good enough that I really dont think its a must have at all...