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Have a look here to find out thresholds https://www.ato.gov.au/Individuals/M...evy-surcharge/
We've never had it - my son used to wear glasses and got a free eyecheck each year anyway with Medicare, and glasses didn't cost very much. Luckily neither of our kids needed orthodontics, but it seemed that few plans covered much of the cost of that if you did need it anyway, so for someone organised it would probably be better to put the money into an interest bearing emergency account instead. Ambulance cover for a family of four through the Post Office is about $140 a year. You can get dental insurance pretty cheaply as well through someone like Smile which reduces those costs. When I've needed to see a medical specialist, I see them privately and can claim about 80% of the costs back from Medicare as well. And when OH broke his wrist, he got great treatment through Medicare for free too.
I have a pre-existing condition which would probably be excluded from any private cover anyway (which is why I mentioned your knees/hips) so it has never seemed worthwhile for us.
Sometimes the grass will appear greener on the other side because it has been fertilised by bull****
There are effectively two different types of private health cover - hospital and extras. The hospital cover is what you need to exempt you from the additional Medicare levy if you earn more than the limits (as posted above). Hospital cover pretty much only covers hospital admissions and very little else. If you have hospital cover you can have hospital based procedures done privately although there is usually some extra to pay on top of what the health cover pays. Over on Poms in Oz there are stories of people who have paid thousands of dollars extra for procedures done under private health cover. I'm pretty sure that most if the stuff you can have done on private health cover you could have done on Medicare, although you would probably have to wait some time to get it done on Medicare.
Extras cover is for the other stuff, and how much other stuff depends on the policy. Usually they cover ambulance, optical and dental and a selection of other stuff like podiatry or physio. Whether it's worth getting extras cover depends on your family circumstances. We have it and it's well worth it for us, but then three out of four wear glasses and the kids and OH need regular trips to the dentists. It's also gone towards physio for my OH and podiatry for my son.
Hi we are moving out in March on a 489 visa and we just wondered what type of cover we would need and can we sort it from this end before we come out? we looked at bupa (just because its a name we know) but cover seems expensive.......any advice, thanks
January 2013 met with concept Australia,IELTS 6/4/13,skills ass 9/4/14,EOI 1/5/14, State Sponsor SA 10/6/14,Attended medical 11/09/14 Visa granted16/10/14 making the move in March