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Master_Scythe

Private health

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Anyone got any tips?

Im one of those people who avoid the doctors, so I dont need extras or the ability to go all the time, but I am the type who will have something like a $1000 a year dentist bill, or a $3000 eye surgery every two years.

I ask because I'm about to hit the dentist again.

 

No point lying,

Ive lived the last 6 months being out till about 1am, and working the next day at 6am.

Because of that I'd come home, crash, and wake up the next morning, and brush before work.

Unfortunately, its only a hour or so before breakfast at work, so really, the night was the important time...

I'm usually fairly good, but apparently 6 months is all it takes.....

 

I also need all 4 wisdom teeth out, which is going to be a serious pain.

One of them is within 1mm of my main facial nerve (it shows on the Xray) so one slip will leave me paralyzed for life.... and that's fucking scary.

 

I'm pretty sure this is going to be a root canal, judging by the one I had a year ago (that was just bad luck; a 'below the enamel' cavity that went un-x-rayed). So I got to thinking.

Maybe its about time I looked into health insurance?

 

I've been advised AHM is one of the best, where they dont limit what each sectino has to be spent on, $X of cover, is $X of cover, and YOU can split it up how you want?

Advice?

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I had HCF until maybe early 90s then fucked it off. Got sick of the bill getting bigger literally every time, used to pay 6 months worth at a time. Had dental + optical, I suppose I got a degree of VFM out of it as it coincided with when I had to have day surgery for wisdom teeth so it knocked the bill down somewhat.

They had stuff like subsidised sports clothing including shoes which I maybe used once or twice, my preference with these things is just get rid of the fluff and give me a lower bill.

 

The thing with such cover is you have the qualifying period, plus they'd likely want to know of pre-existing conditions. So if it is the case that you have eyes that need attention every couple of years and a bunch of imminent dental stuff you might be SOOL to some regard there.

Worth a look into though I guess... bottom line for me is that the ongoing expense was way more than my anticipated benefit.

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Others may have better info but we did the sums and decided it wasn't worth it. Stopped drinking soft drinks and the cavities stopped coming around the same time. Coincidence? And when we've added up the 'gap' payments plus the yearly premiums I'm pretty sure we're ahead by a mile.

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RIght.

I was worried about that.

Dental is about $6k coming up. Since I can't just get my wisdoms pulled, its a surgery + a facial nerve specialist due to the position of my roots.

 

Ah well, I'll just bite the bullet.

Wisdom teeth are unlucky;

 

But this additional trip is purely my fault for being lax about health

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I have nothing to add apart from I have a decent life insurance and income insurance policy since I started riding a motorcycle everywhere, so if I break my legs I'll be set, but I have no health insurance, so not covered for dental etc. which worries me a bit, I'm 28 so it's gunna add up in a few years. But really it's a big expense as it is with income/life insurance as it is.

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Hmm,

 

I've just had HBF extras for a lot of years but I do need to have a little chat with them - I really don't use it much but every year it seems I pay a little more and they repay a little less...

 

Cheers

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I've got Defence Health (My dad did active service so I'm allowed to bring myself and my family onto it).

 

Things I use it for:

Physio

Dental

Deep Tissue Massage

 

I'm going to use it for when I get the snip. (Total cost for me will be $0).

 

I do martial arts and deal with weapons. I also have had to use an ambulance a few times (myself, my wife and my son all of us have had to call Paramedics as some stage). $0 thanks to insurance.

 

But shop around. Remember that there is waiting periods. You can't just buy it and then go to the dentists. You could be waiting months before you're allowed to use your insurance for any claims.

 

Read fine print. Work out what you need/want. If it covers you and you come out ahead. Great.

 

For me it's essential. I'm one of those "When I injure myself I go hard!" I think I may have broken even in cost, however, I've been able to get priority treatments because insurance would splash a little more cash to operator etc. So it's like paying the same for premium seats.

 

Don't know if that helps.

 

AD

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Others may have better info but we did the sums and decided it wasn't worth it. Stopped drinking soft drinks and the cavities stopped coming around the same time. Coincidence? And when we've added up the 'gap' payments plus the yearly premiums I'm pretty sure we're ahead by a mile.

... but some of us just inherit shitty teeth ;) Or use medication that will affect teeth and or gums, regardless of how little sugar drinks etc. you don't imbibe :P

And yet another reason to give up the ciggies ... ones gums will return to a lovely fleshy shade of human gumminess .

 

We don't do insurance either.

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Wisdom teeth are always close to a nerve. When I had mine out part of my chin was numb for six months after.

 

As for your other dental costs, shop around, you don't have to accept the first costing

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I've got Defence Health (My dad did active service so I'm allowed to bring myself and my family onto it).

 

Things I use it for:

Physio

Dental

Deep Tissue Massage

 

I'm going to use it for when I get the snip. (Total cost for me will be $0).

 

I do martial arts and deal with weapons. I also have had to use an ambulance a few times (myself, my wife and my son all of us have had to call Paramedics as some stage). $0 thanks to insurance.

 

But shop around. Remember that there is waiting periods. You can't just buy it and then go to the dentists. You could be waiting months before you're allowed to use your insurance for any claims.

 

Read fine print. Work out what you need/want. If it covers you and you come out ahead. Great.

 

For me it's essential. I'm one of those "When I injure myself I go hard!" I think I may have broken even in cost, however, I've been able to get priority treatments because insurance would splash a little more cash to operator etc. So it's like paying the same for premium seats.

 

Don't know if that helps.

 

AD

Yeah,

 

Mine would be absolute zero and preferential - If I was in the UK...but it's sort of not worth the trip :)

 

I have real difficulty figuring out who is paying for what - we have some very good doctors who just bulk bill us, I sort of fix their tech to compensate, last medical bill for me was an ultrasound, apparently everything is still there and functioning.

 

My mother, 85 years old, is on a smorgasbord of medication and has monthly leukemia treatments and other procedures but it is all covered by government funding - I thinks she has some extras covers but otherwise that is it.

 

I have sort of kept paying it because at 64 I'd probably never get it back but it is interesting to see how some have decided better of on pay-as-you-go.

 

Cheers

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Your premiums will go up with your health insurance regardless who it is with anyway, above the inflation rate.

That 30% rebate was supposed to reduce premiums but I see it more like a bloody subsidy to the insurers.

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Wisdom teeth are always close to a nerve. When I had mine out part of my chin was numb for six months after.

 

As for your other dental costs, shop around, you don't have to accept the first costing

 

Yeah fuck that.

I'll take the bone infections thanks.

 

IIRC its the lower ones that are the main risk, yeah?

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Wisdom teeth are always close to a nerve. When I had mine out part of my chin was numb for six months after.

 

As for your other dental costs, shop around, you don't have to accept the first costing

 

Yeah fuck that.

I'll take the bone infections thanks.

 

IIRC its the lower ones that are the main risk, yeah?

 

Pussy.

 

I had my last one out in the chair, fully conscious, hammer and chisel, then I took the missus shoe shopping right afterwards. Granted the 'ol neurofen plus was handy for the following 2 days.....

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Wisdom teeth are always close to a nerve. When I had mine out part of my chin was numb for six months after.

 

As for your other dental costs, shop around, you don't have to accept the first costing

 

Yeah fuck that.

I'll take the bone infections thanks.

 

IIRC its the lower ones that are the main risk, yeah?

 

Pussy.

 

I had my last one out in the chair, fully conscious, hammer and chisel, then I took the missus shoe shopping right afterwards. Granted the 'ol neurofen plus was handy for the following 2 days.....

 

 

Occasional infection..... Face paralysis...... yeah not seeing the incentive eh :P

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I've had a gutfull of private health payments. I wear glasses and contacts, that's the only shit I can get at a discount.

Apart from that, I have been hospitalised a few times over the last 5-6 years and I end up in a public hospital as a private patient. What does that mean? Fuck all.

 

Private is only good for elective surgery and having babies. Even then, you still have to fkn pay, you just get more choice of doctors and obstetricians.
Our latest boy was born at St George hospital, public. No issues, all the midwives were awesome. Everything went well.

We have good doctors in this country, despite the odd fuck up.


I'm very close to canning it all. But I know what'll happen. I'll end up with some fkn disease and wish I didn't. But isn't that how insurance works, the fear alone makes you keep emptying your wallet?
It's just another form of gambling.

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You never know when you will use it!

 

Sister had a kidney removed (cancer issue) and most was paid via private but a few thousand she still had to pay for other things.

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"I'm very close to canning it all. But I know what'll happen. I'll end up with some fkn disease and wish I didn't. But isn't that how insurance works, the fear alone makes you keep emptying your wallet?"

 

Yeah you should see my monthly death/trauma bill.

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I suppose that's the other thing.

 

I earn enough that if I stop paying for private health, my overall income will go down. I suppose I could shop around, but it's not worth the effort. I've got something that works well, pays quickly and has good options.

 

AD

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You never know when you will use it!

 

Sister had a kidney removed (cancer issue) and most was paid via private but a few thousand she still had to pay for other things.

Hope she's recovering satisfactorily ... If I'm prying just say so ...

I know you said you were not aware of her plight till the deed was done, but is this sort of thing prevalent within your family ? Or was it really one out of the box ?

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Complete surprise. she doesn't smoke at all. No one I know in the family had kidney cancer.

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Complete surprise. she doesn't smoke at all. No one I know in the family had kidney cancer.

Wow, then she knew what she was doing to go for insurance cover.

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She had the top top uber blue ribbon cover!

2K per year ...

Edited by Jeruselem

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