The discussions regarding insurance are interesting. Just wondering how much this surgery cost your health insurance fund and how much came out of your own pocket?
I am in a hospital only fund, which costs <$80 per month. The Australian Government pays 30% of Health Fund premiums, the $80 is the net amount. This means my hospital stays and surgery are covered. But radiography, pharmacy, physio etc. are not covered. For approx double the premium, those items would be covered, along with optical, chiro and various other treatments. I am not covered for those items because I rarely use them, so if I need them, they are out of pocket.
My fund paid out $105,000 for my surgery. My out of pockets including the above items not covered, plus appts with Dr. Askin amounted to around $7,500. Worth every cent.
Now, the Medicare system in Australia means I could have had my surgery for nothing. But I would have been placed on a long waiting list for non-urgent cases and I would not have been able to choose my surgeon.
I am in a hospital only fund, which costs <$80 per month. The Australian Government pays 30% of Health Fund premiums, the $80 is the net amount. This means my hospital stays and surgery are covered. But radiography, pharmacy, physio etc. are not covered. For approx double the premium, those items would be covered, along with optical, chiro and various other treatments. I am not covered for those items because I rarely use them, so if I need them, they are out of pocket.
My fund paid out $105,000 for my surgery. My out of pockets including the above items not covered, plus appts with Dr. Askin amounted to around $7,500. Worth every cent.
Now, the Medicare system in Australia means I could have had my surgery for nothing. But I would have been placed on a long waiting list for non-urgent cases and I would not have been able to choose my surgeon.
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