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Wasn't sure if this belonged in the Health or Finance section - so I put it here? I've had a letter from the government telling me that I need to take out private medical insurance or face an increased loading on my medicare. What's the cheapest option? In terms of previous health history - I've never had health insurance in the UK, or even been registered with a GP. I've reached 40 without ever going to a hospital (unless it's work or visiting), I get a cold once a year and that's about it. So I guess I've pretty lucky so far.
Hi, I'm an Australian moving back to Sydney next year with my english husband. I've been away for about 8 years so I can't really remember how things work with health care. Plus I never had much reason to be involved other than the odd cold, but things have changed. I was hoping that the combined wisdom here could help me with some questions. First - a bit of background: I've had successful treatment for cervical cancer this year. In remission since Feb, but still subject to three monthly follow ups and 6 monthly MRI's. It's expected that as I get older I would need a full hysterectomy to be safe, but they are allowing me a few years with just monitoring so I can try to have kids. To do that, I need IVF, and probably a few minor operations during that process. So would require a couple of hospital stays at a minimum. I'm 37, and will be 38 when I get back so I can't wait too long for all this. Questions: I know people can't really answer these with certainty, but I'd love to get any experiences or knowledge that is around. Cancer follow up: Would this normally be done within Medicare, and what would it cost? I know MRI's can be extremely expensive, but I'm not sure how much I'd have to pay. My oncologist here will hand over my care to a friend/colleague in Sydney, who I presume will charge private rates too. If they advised in a few years to do the more comprehensive operation, would Medicare also cover that? IVF: I know that Medicare provides support for IVF. Does anyone have experience of how this works, and how hard it is to get funded. In the UK it's a bit of a nightmare with long waiting lists, and you only get one 'go', but I'm not sure how it works in Australia. I'd love advice from anyone who has been through this. My Mum has told me that there is a cap with Medicare, over which more of the costs are paid, but could anyone advise if that applies to things like IVF? Private Health: What additional cover does Private health give me. I presume I'll be exempt for 12 months or so for both the IVF and the cancer costs, but after that would they cover me do you think? Both are clearly pre-existing conditions, and expected to cost a lot in the short and long term, so I'm worried I'll just be declined. When I lived in Australia I was a member of HCF, which I maintained for a year even after I left, but I'm not sure if that helps at all. Thanks in advance! This is quite a stressful thing for me as you can imagine, and I can't decide if we should activate our visa and then stay a while here in the UK where I understand the system more. But at the same time I want to get home to my family.
I've seen a few threads here lately asking about what's included in various private health cover and offering comparisons - we've found this website really helpful. You enter general information (ie single/couple, health issues, what you want covered) and it compares different companies' health plans for you (including cost). http://www.privatehealth.gov.au/dynamic/compare.aspx
annorras posted a topic in HealthHello! We are going to Australia on a 457 visa and I am looking right now for the right private insurance. We are currently working in Spain and will not have medicare, so this will be our only insurance. There are so many private insurance companies! Could someone recommend one they have been happy with? We will be living in Queensland in Rockhampton/Yeppoon. You can find a lot of reviews of companies on the internet, but most of them are bad. I am having a lot of trouble deciding. Thanks!!! Anna