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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 .

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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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By Oceana Setaysha for Stay at Home Mum . There are a few things you’ll definitely want to consider when you’re thinking about private health insurance , particularly when it comes to its worth to you.

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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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"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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Advice on ways to fit private health insurance into a tight family budget, what it means tax-wise if Before you make a decision as to whether to drop your health insurance cover, it ’s worth Erika @ Ever-changing Life of a Mum says: July 6, 2015 at 11:31 am . Yes, health insurance is so expensive

I have had private health insurance and i will say that ifyou can afford it its worth every dam penny. i dont know, i have not personally had expericence of treatments recently but wished i would of been able to afford to pay private for my mums treatments.

"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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