- Australian Health Insurance: The top 10 things you need to know
- Don't cancel your health insurance
- Private Health Insurance Explained
- I’m young and healthy, why do I need health insurance?
- The Costs of Pregnancy
- How to Select a Health Insurance Provider
- Osteo vs. Chiro: What’s the Difference?
- What Private Health Insurance is Right for Me?
- Your handy checklist to Private Health Insurance
- Getting Health Insurance for the first time
Health, Food & Diet
- Sugar content in alcohol - best & worst
- Coconut oil: the science
- Guilt free snacks
- 5 Post workout recipes
- Losing Weight Without a Fad Diet
- Cheat Days: Worth it?
- Light Milk: Healthier than Full Cream?
- Protein Shakes – Do they really work?
- All About the IIFYM Diet
- 8 Superfoods You’ve Never Heard Of
- 5 Surprising Facts About Coffee
- The Changes Your Body Goes through When you Quit Sugar
- Does Detoxing Actually Work?
- Delicious Sugar Free Recipes
- The Low-Down on Artificial Sweeteners
- The Health Benefits of Smoothies
- Breaking Sugar Addiction
- Organic vs Non Organic Foods
- 7 Healthy Kids Lunchbox Snacks
- The Great Weight Debate
- Fast or Feast? The Guide to the 5:2 Diet
- Medical Spotlight: Heart Disease
- Healthy Fast Food Options
- Salt – Friend or Foe?
- Spotlight on Sugar – how much sugar is in your favourite drinks?
- Are saturated fats and cholesterol really the bad guys?
- Nutritional Truths About Sushi
- What are Macrobiotics?
- Feeding fitness: Eating and exercise tips for breastfeeding mums
- The Raw Food Diet
- Foods and Asthma
- Kids and Food Allergies
- The Lowdown on Homeopathy
- Happy Valentines Day, Every Day! The Benefits of Chocolate
- Don’t worry – Eat happy! 5 mood enhancing foods
- Five foods for a healthy brain
- Minimize the Effects of Alcohol on Your Health
- Weight-loss TV, patience is not its virtue
- Parenting & children
Sports & Fitness
- HIIT – Train Smarter, Not Harder!
- Crossfit – What’s all the hype about?
- This Year’s Hottest Fitness Trends
- Body Weight Workouts
- Training for a Triathlon – Where to Start
- Physical Culture: Let’s Get Physical
- Exercise at home
- Tips to get your kids moving
- Pregnancy and Exercise: Is it safe?Pregnancy and Exercise: Is it safe?
- 5 Ways to Train like an Olympic Athlete
- 3 Reasons To Stand Up At Work
The Costs of Pregnancy
For many people, pregnancy or planning a family is the time when private health insurance (PHI) is organised and bought for the first time. Unfortunately, some people organise their PHI without really knowing exactly which pregnancy services they are covered for. They might find this out too late, when the baby is on its way, or after the little one has arrived! Don’t be caught out and plan early. There is often a waiting period of 12 months for pregnancy cover, so getting insurance after you know you are pregnant will mean you will have lot’s of out of pocket expenses.
Obviously, Medicare covers heaps of services when it comes to pregnancy. If it didn’t, women would not be able to have their baby in a hospital at all. But, Medicare only covers certain things. The other thing we forget with pregnancy is that it’s not just the birth itself that requires usually requires medical attention. Ante-natal checks (before birth) and post-natal services (after child-birth) all require medical help. In most cases, this means 9 months or so of hospital and Dr’s visits. It’s a good idea to see exactly what the costs of pregnancy are, so let’s take a look.
If you are pregnant and do not have private health insurance, Medicare will cover you for the following things:
- Some of the cost of check-up’s with your GP
- Some of the cost of specialists appointments with an Obstetrician (you will have several of these). You cannot choose your Obstetrician under Medicare.
- Some of the cost of blood tests and ultrasounds (you will have several of these)
- Some of the cost of specialised tests (if your need them)
- Ante-natal classes are NOT covered by Medicare
- With Medicare only, you cannot choose your Obstetrician or Paediatrician
- You will be a public patient in a public hospital
Once at hospital, Medicare will cover:
- Some of the cost of baby delivery fees
- Some of the anaesthetics fees
- Some of the cost of your baby’s first heath-check with a Paediatrician
- A portion of health check-up’s fees after your baby is born (like a visit from a mid-wife)
As you can see, Medicare covers some, but not all of the costs of pregnancy.
It’s also important to know that PHI covers some aspects of pregnancy, but not others, so lets have a look at what your PHI will cover:
- A portion of your Obstetricians delivery fee
- Private hospital charges
- A portion of anaesthetics fees
- You can have the Obstetrician of your choice and see the same Obstetrician throughout your entire pregnancy
- You can have the Paediatrician of your choice for your baby
- You can choose to be a private patient in a private hospital
- You can choose to be a private patient in a public hospital
- You can choose PHI that will cover your baby too (family insurance)
PHI does not cover you for Ante-natal classes, GP visits, blood tests, appointments with Obstetricians, Ultrasounds and other more specialised tests you might need (these are already partially covered by Medicare). Having PHI on top of Medicare is the best option to reduce your out pocket expenses and to give you the choices and peace of mind when it comes to choosing a Dr and a hospital you feel most comfortable with, whether that be public, or private.