best health insurance

It's the paying twice which is ridiculous.....

 

<snip>


I can't. I've got a bad back.

 

You got married.

Nev..
'02 CBR1100XX #2

 

we have a very good family friend who is a doctor and he refers us to
some of the best specialists in the business down here Clem.
He's been in the game for so long I'd actually follow his word i trust
him that much.
He is magnificent and the people he refers us to are just as good.
You play russian roulette with registrars afaiac

--
KiwiPete's philosophy as quoted
Glad to bring mirth!
Actually truth be known I don't dislike Clem... or Theo or Paulh or even
Nev... well maybe Nev... its just that we don't have a huge amount in common
and tend to all fly off!

 

So changing the Government will fix the problem?

Hammo

 

But he probably charges less for cash!!
Clem

 

*unplonk*
the tac would cover all your expenses in victoria
being a road accident.

--
KiwiPete's philosophy as quoted
Glad to bring mirth!
Actually truth be known I don't dislike Clem... or Theo or Paulh or even
Nev... well maybe Nev... its just that we don't have a huge amount in common
and tend to all fly off!

 

Even if you're a Queenslander and you're on a racetrack......
Clem

 

The more you earn the more you pay, the more you pay the more your entitled
to use Medicare.

2% of $25K pa= $500

2% of $50K pa = $1000 i think

 

Yep. I had no health insurance for about 10 years till the surcharge was
introduced. During that time I went to hospital once for elective surgery
which I paid for myself. Total out of pocket expense after medicare and tax
rebates, $1300. Cost of health insurance I would have based on what I was
paying for hospital cover prior to stopping (not even bothering to adjust for
10 years worth of premium increases - and don't they know how to increase
premiums!), $5000... plus I'd have had to pay $250 or $500 excess... plus
whatever other gaps.. and that was just hospital cover with no extras. I'd
say at a conservative estimate I'm easily $7000 - $8000 better off for not
having had for health insurance.

Nev..
'02 CBR1100XX #2
The TAC picked up the tab for all my motorcycle related hospital visits

 

So who is the best insurer?

None of you have looked at the posting.

let me put it this way,

If a truck had run you off the road and you are really fucked who would you
want to be insured with?

Medicare
Medicare Private
Nib
HCF
IOOF
IBA
Other

carefully avoid that if you want

a knee reconstruction just pay for

 

~
50% of mine too!
Clem

 

"Julie and Deb" wrote

Elective surgery is when your knee's buggered and you can't walk any
more?

Theo
Not my definition.

 

Which is fine for people who are affiliated with sporting clubs or have other
contacts as you do, but for your average Joe Bloggs who wouldn't know a
cardiologist from a cartographer and who's only recommendations will come from
the local GP, is it really an advantage worth paying hundreds or thousands of
dollars per annum for?

Nev..
'02 CBR1100XX #2

 

"Hamish Alker-Jones" wrote

The government is only part of the problem. Doesn't matter who you
vote for, the Government always wins.

Theo

 

Nope he bulk bills.
as for the specialists well we pay the gap unless its a hospital visit.
My last knee surgery cost me 300 all up including medical costs etc.
I would not have had the 7000 needed in the private system and i reckon
i would have had to wait months to get it operated on otherwise.
I suppose its up to you if u want private cover.
personally I'd not go wothout it.


--
KiwiPete's philosophy as quoted
Glad to bring mirth!
Actually truth be known I don't dislike Clem... or Theo or Paulh or even
Nev... well maybe Nev... its just that we don't have a huge amount in common
and tend to all fly off!

 

No different to buying a bike Nev.
You gotta do your homework and not be scard to ask the hard questions.
I reckon We've left some of our doctors aquivering mess after we grilled
em about every nitty gritty thing.
I remember being unhappy about a stomach specialist once when he charged
me 200 for a 5 minute consultation
I never paid it and he claimed the medicar levy himself.
I told him I wasnt paying a cent since he told me nothing and wanted me
to come back for follow up visits.
**** him and the expensive mercedes he drove in on.

--
KiwiPete's philosophy as quoted
Glad to bring mirth!
Actually truth be known I don't dislike Clem... or Theo or Paulh or even
Nev... well maybe Nev... its just that we don't have a huge amount in common
and tend to all fly off!

 

Yup, happens all the time. Unfortunate, but true. Since I started working
here, bed numbers have gone from 1500 to under 600, and the population has
nearly tripled in Brisbane alone. We also get all the referrals from
regional centres (all of Qld, northern NSW, NT and PNG). Technology has
advanced too, so that the cost of surgery to the hospital has risen because
the new stuff costs more than the old stuff.

 

Yes, we looked, but we got slightly off-topic, as we tend to do here. Get
used to it.

If a truck ran you off the road it wouldn't really matter - Medicare would
cover the treatment. the Ambos would take you to the nearest public
hospital, you will get whoever is on-call for your particular injuries, and
you probably won't be in a position to contribute much to how you'd prefer
things got done. Once you're out of intensive [read expensive] care, then
start to think about public vs private.

If you want private health cover (which really does work best for the less
dire things in life), the best bet is shop around - get info brochures from
all the players, check out their websites, compare cover for cost. What are
their extras like? How much gap do you have to pay? Do you have wife/kids
to cover that may need dental, optical etc? Which private hospitals in your
area have agreements with which funds? And yes, it's like bike insurance,
they do have 'preferred repairers'. Can you claim your 30% rebate only when
you do your tax, or can you pay less in premiums? Is there an excess, and
if so, how much, how often do you have to pay it? What are their limits on
any one hospital visit?

Most of the funds seem pretty much even, just the small details that vary.
But asking which fund is best is like asking how long a piece of string is.
Work out what you need, for your particular circumstances, find out who
gives the best deal on it. Picking a fund for 'whoever is best in an MVA'
and via anecdotal tales in a newsgroup is not the best way to do it...

 

Only if you go over the $50,000pa mark. (single people - dunno what the mark
is for couples)

It's not been easy to keep the income under that for the last few years...

Doug Cox.
Work to ride, Ride to work...