So we've been here 6 weeks now. We're PR's so have our medicare cards but we're thinking we need to get some private health insurance sorted too. I'm find the system rather confusing! My husband has a dodgy knee and I have a dodgy hip! We didnt get far having these sorted in the UK as the physio waiting list for the NHS was well over a year in our area. We're worried that if we just stay on Medicare and go to a GP regarding these we will be referred to specialists that will then cost a great deal. So should we take out health insurance now and then seek treatment out? We also have a 3 year old boy that likes to run into things and are wondering about ambulance cover etc. What do people tend to do here??