Money Is private health insurance worth it for mums-to-be?

05:49  14 march  2018
05:49  14 march  2018 Source:   msn.com

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As lifetime holders of private health insurance , we didn't give any thought to the medical bills that would be associated with the procedure. This predicament inevitably prompts consumers to examine whether their private health insurance is worth it .

Laura Rolfe has always had private health insurance , because her mum always had it and she believed that “ it ’s just what you do”. The 29-year-old account manager convinced her husband, Jason, that it was something he needed to have as well

Health fund premiums are set to rise again on April 1, leaving Australians to again question whether it's worth the money.

This question is particularly important for people seeking to start a family, with extra costs putting more strain on an already-precarious budget.

A Current Affair reporter - and expectant mum - Ali Piotrowski spoke to four new mothers about their experiences with the public and private systems.

KidSpot reporter Bek Day was halfway through her pregnancy with now-two-year-old Frankie when she called her health fund, HCF.

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It is reducing my mum yell as I'm not having to break up as many arguements and I'm actually wanting to get involved with them and just be present and enjoy my little men and their new love of Craft time! Join Now. Money. Is Private Health Insurance Worth It For Families?

Fear that the moment you do, something will happen and you’ll realise that you really did need it and it was all worth it after all. Having a baby – public vs private . Another big one for us mums is family planning . If we are still having babies, having private health insurance affords you the option to

She said she had been paying out a lot for her obstetrician visits and wondered when she would get the money back, only to be told those were out-of-pocket costs.

In the last 25 years, out-of-pocket costs have skyrocketed for out-of-hospital costs by 1035 percent.

"The actual birth and the appointments and the care beforehand I think would've equalled about $7500 or $8000," Ms Day said.

"Which, when you're budgeting for this year where you're going to be on very limited funds is a massive, massive cut to take."

She said now she would call up HCF asking about options for reducing out-of-pocket costs.

Ariane McGing also went the private route when she gave birth to Lola last year.

She said her time in the private hospital "Felt a little bit like being in a hotel".

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Market failure: private health insurance only worth it for 'the pregnant, the rich and the sick'. Read more. * Name has been changed to protect privacy . • Experts agree private health insurance is broken. But how can it be fixed?

It ’s a topic that comes during the financial new year, but for some, it plays on the mind: Is private health insurance worth it for you and your family? Such a nice gift! Super impressed with this as a gift JUST FOR MUM . Nothing for baby!! So nice to try a range of products from other small bizs too.

"The aftercare was amazing," she said.

"Plenty of midwives there to help you with feeding and changing and bathing the baby."

a baby sitting on a table: <p>In a few weeks, health insurance premiums will rise again.</p> © Provided by Nine Digital Pty Ltd

In a few weeks, health insurance premiums will rise again.

The stay, which included accommodation for Ariane's husband as well as meals, cost the couple $8000.

"I think for the peace of mind we got, it was definitely worth it," Ms McGing said.

Nisha Yadav paid for private health insurance for two years, but when she found out about the out-of-pocket costs, she decided to go public.

Her pregnancy was high-risk and resulted in an inducted and an emergency caesarean.

Her son Arjun was delivered but Ms Yadav was taken away and didn't see her baby for four hours.

The next day, she said, she was in pain and needed help, but her pings to the nurses went unanswered for 40 minutes.

Nursing student Kimberley Borg found private health cover too expensive for her to afford, leaving her with no choice to go public.

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My parents keep hassling me to get health insurance but I really dont see the point. The cheapest insurance was 0 a year and only covered 0 worth of dental - so with the insurance for this I don't know much about private health insurance in countries where they have a public health

Medicare is free, and private healthcare is definitely not. How do you know when it 's worth forking out for private health insurance ? The answer to this depends on your personal situation. For some, health insurance is pretty much essential, but others are able to get by without it .

"I was completely covered by everything through the public system, so nothing out of pocket including specialists' visits and blood tests and scans," she said.

After giving birth to Hazel, she said the aftercare had exceeded her expectations.

It is estimated that with a Medicare card, the cost of pregnancy and birth through the public system can cost anything from nothing, to $1500.

Medicare will cover pregnancy and hospital care, but additional costs may include extra tests, scans outside hospital and childbirth classes.

In a private hospital, the one-off pregnancy management fee (up to $6000) can drive up the costs.

Private health insurers also may not cover ultrasounds, anaesthetists and birth classes - but each insurer is different.

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