Weez and the gang ;)
Been here since sept 08 and have found 'home'
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73k for singles, 146k for households with up to one child, increases by about 1.5k per extra child.
The surcharge is 1% of your salary on top of the 1.5% that everyone has to pay.
Private care is increasingly important that when you get older you're more likely to need medical treatment that can wait a long time. I seem to remember knowing that if you leave it until then to get private coverage, your premium will be considerably higher, so it is useful to begin private coverage within the first year to get PR. I could be wrong on this point.
My daughter had recurrent tonsilitis for 7 months when we first arrived, needing intramuscular antibiotics and oral. Her GP said she must not stop taking her antibiotics until she had seen an ENT specialist as she was at risk of endocarditis. She was very poorly, studying at Uni, losing weight. Even with a letter asking for priority from her GP she was told that she would not be seen for "maybe 2 years". We decided to pay for a tonsillectomy privately. In fact we have just heard from Flinders medical centre asking if she still wanted the appointment - it was 18 months ago that she was put on the list.
I am a nurse in a private hospital and see how quickly things get done for people. I would not like one of my family to have an angiogram, get told they need intervention and go home to wait for it. This does not happen in the private system - they would get it done straight away.
We are now private and have ambulance cover (approx $120 a year for the whole family with SA ambulance) as our health cover does not fully cover ambulances.
As for the preexisting conditions - it just means you cannot claim on them for a year.
Sometimes the grass will appear greener on the other side because it has been fertilised by bull****
Yes Dianne, in emergencies it makes no difference between public and private. My point was meant to convey that if you know you need something then you do not want to go home and worry about it, you just want to get it done and get on with life.
I think that private cover is most useful for the chronic, non urgent things that can wear you down over time such as orthopaedic problems, grumbling gallbladders, prostates, gynae and ENT problems. Most won't kill you if you have to wait but you could end up quite depressed and run down with the wait.
My mum, who is elderly, has had both private and public admissions in the past 2 years and I would say that she got much nicer accomodation under the private system. She actually signed herself out of Flinders Public Hospital whilst suffering from a gastro bug as she was accomodated in a room with no access to a toilet or hand washing facilities. She had to beg someone to empty the commode and was served meals next to a full commode and staff wondered why she wouldn't eat!. She is a diabetic and was in quite a state when she went home. As a nurse who worked at FMC for many years I was quite shocked. Unfortunately the private system is reluctant to take you if you are classed as infectious.
The extras cover is very useful and we use it regularly. I only pay $10 when I see my chiropractor. I was reluctant to see one in the UK as I couldn't justify the cost.
I talked to a surgeon on this subject a few years ago and he said 95% of people are better off not having private cover and if you need something done urgently then just pay for it. Think how much you will have saved by not having to pay the annual premiums and gap charges etc. On the other hand......you could end up as one of the 5%!!
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thanks for sharing that, have a nice day you all.. take care
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