Author Topic: Private Health Insurance.  (Read 18596 times)

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Offline Bunyip

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Re: Private Health Insurance.
« Reply #100 on: February 15, 2018, 03:01:17 PM »
My only issue with private health insurance is the rate of increase at double(ish) CPI, with wages going up less than CPI these increases are costing a heck of a lot more in real terms for families.

I have had insurance all my life, as has SWMBO and out kids, but once the kids turn 25 we can no longer afford to pay for their cover and there is no way they are going to be able to afford it themselves.
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Offline Pete79

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Re: Private Health Insurance.
« Reply #101 on: February 15, 2018, 05:01:30 PM »
Time for the gov to do a full reboot. ;)

“Everybody logout!
We’re gunna shutdown it down and restart.

There’s bound to be a couple of programs that need to be forced to close, but there’s obviously too many dodgy processes going on at the moment and the system isn’t running properly.

After you’ve logged out, go make a coffee and relax for a while. Don’t worry we’ll have everything up and running again soon and it will work better then ever.” ;D

Offline Pete79

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Re: Private Health Insurance.
« Reply #102 on: September 13, 2018, 02:13:33 PM »
Not quite private health insurance, but principals are the same....

Quote
Breast cancer surgery wasn't 'radical' enough for CommInsure.

CommInsure refused to pay out a woman with breast cancer because it didn't consider she'd had "radical" breast surgery, despite the evidence of her doctor and surgeon.

The financial services royal commission on Thursday heard that CommInsure repeatedly denied her claim on the basis of an outdated and arbitrary definition of "radical" breast surgery, which it argued only included a mastectomy, despite that definition not appearing anywhere in the policy documents.

The woman bought trauma insurance in 1996 and was diagnosed with "carcinoma in situ", a form of breast cancer, after a mammogram in March 2016. She was treated with breast-conserving surgery as well as radiotherapy - a combination of treatment now often used as an alternative to a complete mastectomy.

After the woman's claim was originally rejected, the woman's treating doctors, including her surgeon and radiation oncologist, provided evidence stating that she had had radical surgery.

"The treatment received is radical because radiotherapy was required as an alternative to mastectomy," the surgeon wrote.

.....

Under questioning from Ms Orr, Ms Troup refused to agree to a review of claims it had rejected based on its definition of "radical breast surgery".

Ms Troup said it was "something that's on my mind having prepared for today" but she wanted to discuss it with "the business".

"But you're not prepared to make a commitment that that will happen?" Ms Orr asked. "Not today, no," Ms Troup said.

https://www.theage.com.au/business/banking-and-finance/breast-cancer-surgery-wasn-t-radical-enough-for-comminsure-20180913-p503j6.html

Offline db

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Re: Private Health Insurance.
« Reply #103 on: September 13, 2018, 05:33:00 PM »
"... "But you're not prepared to make a commitment that that will happen?" Ms Orr asked. "Not today, no," Ms Troup said"

First against the wall when the revolution comes?  >:D
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Offline Bigfish

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Re: Private Health Insurance.
« Reply #104 on: September 13, 2018, 05:39:06 PM »
"... "But you're not prepared to make a commitment that that will happen?" Ms Orr asked. "Not today, no," Ms Troup said"

First against the wall when the revolution comes?  >:D

Yep...I hope the bitch gets breast cancer and is treated like the others who were told to piss off.  What a poor excuse of a human.

Offline plusnq

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Re: Private Health Insurance.
« Reply #105 on: September 13, 2018, 05:39:47 PM »
"... "But you're not prepared to make a commitment that that will happen?" Ms Orr asked. "Not today, no," Ms Troup said"

First against the wall when the revolution comes?  >:D

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Offline Bird

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Re: Private Health Insurance.
« Reply #106 on: October 10, 2018, 10:32:19 AM »
Time to play the last post.

Private health premiums could rise by 12 per cent next year, leaked modelling shows

https://www.theage.com.au/healthcare/private-health-premiums-could-rise-by-12-per-cent-next-year-leaked-modelling-shows-20181009-p508lw.html
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Offline glenm64

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Re: Private Health Insurance.
« Reply #107 on: October 10, 2018, 11:29:22 AM »
Time to play the last post.

Private health premiums could rise by 12 per cent next year, leaked modelling shows

https://www.theage.com.au/healthcare/private-health-premiums-could-rise-by-12-per-cent-next-year-leaked-modelling-shows-20181009-p508lw.html
Its just the usual ploy.
Tell them its gunna rise12%. When it comes out its only 8% every thinks, geez its not as bad as I thought it was gunna be. But if it just goes up 8% without warning everyone would be screaming theyve been ripped off.
Politians have been doing it for ages.
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Offline Bird

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Re: Private Health Insurance.
« Reply #108 on: January 11, 2019, 03:20:38 PM »
theres lots on the news about all these companies mailing people telling they will be getting covered for less, and ... a price increase

There has to be a better way.
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Offline krisandkev

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Re: Private Health Insurance.
« Reply #109 on: January 12, 2019, 06:35:09 AM »
theres lots on the news about all these companies mailing people telling they will be getting covered for less, and ... a price increase

There has to be a better way.

Maybe they are getting in early when there is a change in gov. Shorten has said he will limit their rate rises to 2  percent each year and the funds said they will have to drop some services. So maybe they think with the change in how funds are rated soon they may as well get ready for the new gov?  Kevin
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Offline Bigfish

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Re: Private Health Insurance.
« Reply #110 on: January 12, 2019, 08:35:02 AM »
theres lots on the news about all these companies mailing people telling they will be getting covered for less, and ... a price increase

There has to be a better way.

There,s only one way to beat the bastards...dont get sick...simple!


I wish. :'(

Offline tryagain

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Re: Private Health Insurance.
« Reply #111 on: January 12, 2019, 11:10:07 AM »
Maybe they are getting in early when there is a change in gov. Shorten has said he will limit their rate rises to 2  percent each year and the funds said they will have to drop some services. So maybe they think with the change in how funds are rated soon they may as well get ready for the new gov?  Kevin

If they can't increase their prices, they will just cut their services to maintain profits.
I think one of the issues is that now days public hospitals all want to know if you have private cover as well and then claim whatever they can from the fund, this means that funds are now having to fork out more $$$ without the customers receiving any additional benefit.

Offline Bigfish

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Re: Private Health Insurance.
« Reply #112 on: January 12, 2019, 01:19:05 PM »
If they can't increase their prices, they will just cut their services to maintain profits.
I think one of the issues is that now days public hospitals all want to know if you have private cover as well and then claim whatever they can from the fund, this means that funds are now having to fork out more $$$ without the customers receiving any additional benefit.

If they ask...say no I cant afford it..thats why I,m here.

Offline Pottsy

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Re: Private Health Insurance.
« Reply #113 on: January 12, 2019, 03:15:02 PM »
Sadly for some private health is the only option. We have private health and couldn't be without it, with the wife's Parkinson operation we paid over 15k out of pocket expenses but health fund covered in excess of 100k. If we had gone public we would still be waiting, the public health system only does 6 of these ops per year in SA, by the time it would have been our turn it would have been too late.
I've been in private health for 40+ years and with everything we have had done plus the three kids I reckon we,d be in front.
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Offline Bird

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Re: Private Health Insurance.
« Reply #114 on: January 12, 2019, 08:34:51 PM »
Quote from: Pottsy
Sadly for some private health is the only option.
Yep, true... but the way its going, costs going up - and offering less..  even they - the ones who really depend on it will be squeezed out...
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Offline alnjan

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Re: Private Health Insurance.
« Reply #115 on: January 12, 2019, 09:06:35 PM »
Sadly for some private health is the only option. We have private health and couldn't be without it, with the wife's Parkinson operation we paid over 15k out of pocket expenses but health fund covered in excess of 100k. If we had gone public we would still be waiting, the public health system only does 6 of these ops per year in SA, by the time it would have been our turn it would have been too late.
I've been in private health for 40+ years and with everything we have had done plus the three kids I reckon we,d be in front.

We are in the same boat and with cancer as a precondition, no one else is prepared to take you on.  In the meantime, learn how to you use the benefits the Private Cover does offer to get the most out of Physio, dentist, and the likes. 
Cheers

Al and/or Jan

Offline JusyApples

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Re: Private Health Insurance.
« Reply #116 on: January 13, 2019, 07:10:53 AM »
We are in the same boat and with cancer as a precondition, no one else is prepared to take you on.  In the meantime, learn how to you use the benefits the Private Cover does offer to get the most out of Physio, dentist, and the likes.
We spoke about it last week. We pay $140 odd a fortnight for 2 x 30 something year olds with no health issues. We debated whether it would be more beneficial for us to put that money in an account instead of paying private health but unfortunately if you have that one big accident we may need that health insurance to cover the bills.


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Offline MuruCycles

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Re: Private Health Insurance.
« Reply #117 on: January 13, 2019, 07:31:05 AM »
this will be odd to mention but...

Kyria and I have no private health insurance. (simply can't afford it)

Tucker, our dog, has had full cover since he was born. costs us $29 a week.

the difference, we have access to the public health system. He does not. (and vet bills are seriously scary)

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Offline krisandkev

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Re: Private Health Insurance.
« Reply #118 on: January 13, 2019, 07:41:24 AM »
Like others who have and still have health issues we really have no choice, even being self funded retirees we need private health. One of the best things is the ability to get treatment straight away, not be put on a waiting list.  Kevin
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Offline Memem284

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Re: Private Health Insurance.
« Reply #119 on: February 12, 2019, 04:39:10 PM »
Sadly for some private health is the only option. We have private health and couldn't be without it, with the wife's Parkinson operation we paid over 15k out of pocket expenses but health fund covered in excess of 100k. If we had gone public we would still be waiting, the public health system only does 6 of these ops per year in SA, by the time it would have been our turn it would have been too late.
I've been in private health for 40+ years and with everything we have had done plus the three kids I reckon we,d be in front.
We are in the same situation as Pottsy. Hubby had DBS surgery for his Parkinson's last year. Luckily our surgical team charged us at a no gap rate otherwise it was going to cost us about $26000 on top of our private health insurance. As it is, we are about $5000 out of pocket so far with appointments etc. If we didn't have health insurance, it would have cost us over $100,000 - there is only about 2 operations done each year under medicare so a waiting list is not an option. We need to stay in top hospital cover. It's one of our biggest monthly costs after food.

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Re: Private Health Insurance.
« Reply #120 on: February 12, 2019, 06:23:02 PM »
We have been back in Wollongong nearly 2 weeks and my father was moved from a public hospital to a private hospital due to issues at the public hospital. We luckily, through a freind, got dad a top specialist to look after him. He had one toe amputated in the public hospital due to lack of blood flowing to his toes. Since he has been in the private hospital, he has had another 2 toes on the same foot amputated where his foot was cut on a 45 degree angle. Not pretty looking. The issues have been the slack nurses st the private hopsital, who seem to not give a Shit. When dad buzzes them to help him it takes ages, I was sitting there one visit and he hit the buzzer and 19 mins later one turned up. Now dads room is straight opposite the nurse station and I watched 5 nurses either sitting there or just walking around chatting. Today my sister noticed that the machine attached to dads foot to suck away the impurities on his foot has not been connected to power. I even noticed it was never connected to power as we thought it was battery operated. Apparently it is but for only an hour. So for the last 4 days the machine has not worked and know he has a hospital infection, which is not good. He has been put on a drip. The nurses have even helped dad change his pants during our visits in the last 4 days and did not check if the machine was working. One evening dad yelled out  saying he had to go to the toilet urgently and nurses ran in, hit his table with food on it and something fell off the table and cut his other leg, which has a large bandage on it. He bleeds easily due to his cancer medication he has been on for a while.

He was ready to go to rehab this week but now we are concerned about this major infection. My sister rang the specialist who is looking after dad and he was furious and said he will tear strips off the nurses. Yes private cover is great and you can get some great doctors , specialists but it's the caring afterwards that has let dad down. Yes, dad can be a pain in the ass, being 82, but he does not deserve what he has been through.
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Offline Pottsy

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Re: Private Health Insurance.
« Reply #121 on: February 12, 2019, 06:44:03 PM »
We have been back in Wollongong nearly 2 weeks and my father was moved from a public hospital to a private hospital due to issues at the public hospital. We luckily, through a freind, got dad a top specialist to look after him. He had one toe amputated in the public hospital due to lack of blood flowing to his toes. Since he has been in the private hospital, he has had another 2 toes on the same foot amputated where his foot was cut on a 45 degree angle. Not pretty looking. The issues have been the slack nurses st the private hopsital, who seem to not give a Shit. When dad buzzes them to help him it takes ages, I was sitting there one visit and he hit the buzzer and 19 mins later one turned up. Now dads room is straight opposite the nurse station and I watched 5 nurses either sitting there or just walking around chatting. Today my sister noticed that the machine attached to dads foot to suck away the impurities on his foot has not been connected to power. I even noticed it was never connected to power as we thought it was battery operated. Apparently it is but for only an hour. So for the last 4 days the machine has not worked and know he has a hospital infection, which is not good. He has been put on a drip. The nurses have even helped dad change his pants during our visits in the last 4 days and did not check if the machine was working. One evening dad yelled out  saying he had to go to the toilet urgently and nurses ran in, hit his table with food on it and something fell off the table and cut his other leg, which has a large bandage on it. He bleeds easily due to his cancer medication he has been on for a while.

He was ready to go to rehab this week but now we are concerned about this major infection. My sister rang the specialist who is looking after dad and he was furious and said he will tear strips off the nurses. Yes private cover is great and you can get some great doctors , specialists but it's the caring afterwards that has let dad down. Yes, dad can be a pain in the ass, being 82, but he does not deserve what he has been through.

We had a  similar sad experience in a private hospital after Lorraine had one of her toes amputated, this was prior to her DBS surgery do she was constantly having erratic body movements and severe muscle pains and cramping. She buzzed for a nurse to assist her to sit up, nurse arrived some 20 minutes later and told her she needed to do it herself and left her. I arrived at the hospital about an hour later and the wife was pretty upset. She needed to go to the toilet so I got her sitting up, swung her legs around and was just standing her up to take her to the toilet when said nurse comes in and and starts in on me, what are you doing, she is confined to bed, not meant to put or foot down, blah, blah blah. I politely told her to leave and I would talk to her when we were done. She started and I let fly, told her as a nurse she should know something about dealing with a Parkinsons patient and I then proceeded to issue a sermon. By the time I'd finished she was most apologetic and I can honestly say she was very accommodating over the next few hours. Thankfully the nurses on the next two shifts were fantastic.
In general I think we are pretty lucky but sometimes a discussion needs to be had.
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Offline Memem284

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Re: Private Health Insurance.
« Reply #122 on: February 12, 2019, 06:57:05 PM »
I guess it shouldn't be private/public hospital bashing but.....
I'm a nurse and I work in a large public hospital and we have patient ratios. When I worked a private hospital, there were no ratios and we had more patients per nurse. My daughter still works at that same hospital, and it's the same. Private nurses also get paid less.
I know if I needed minor surgery, I'm happy to go private but if I needed major durgery, I'd go to the public. There are more resources, and better nurse to patient ratios.
I know everywhere is different, but that's my experience.

Offline Pottsy

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Re: Private Health Insurance.
« Reply #123 on: February 12, 2019, 07:09:44 PM »
I guess it shouldn't be private/public hospital bashing but.....
I'm a nurse and I work in a large public hospital and we have patient ratios. When I worked a private hospital, there were no ratios and we had more patients per nurse. My daughter still works at that same hospital, and it's the same. Private nurses also get paid less.
I know if I needed minor surgery, I'm happy to go private but if I needed major durgery, I'd go to the public. There are more resources, and better nurse to patient ratios.
I know everywhere is different, but that's my experience.
It's interesting you say that, dad was in an out of hospital for two years before he passed and I always felt the standard of care he got was superior in the public system in comparison to private. I know when the wife was in the private hospital with salmonella the nursing staff always seemed to be under considerable pressure. It was easier for me to care for her toileting, showering etc rather than constantly buzzing the nurses and have them having to gown up etc.
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Offline McGirr

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Re: Private Health Insurance.
« Reply #124 on: February 12, 2019, 08:38:31 PM »
It's interesting you say that, dad was in an out of hospital for two years before he passed and I always felt the standard of care he got was superior in the public system in comparison to private. I know when the wife was in the private hospital with salmonella the nursing staff always seemed to be under considerable pressure. It was easier for me to care for her toileting, showering etc rather than constantly buzzing the nurses and have them having to gown up etc.

Yes we just want to get him home and we can look after him. People can heal / recuperate better in a familiar environment.

By no means having a go at nurses but it's just frustrating. If its was their father they would be all over him. Treat patients as humans not a room number. Hopefully things will change.

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