- Lifetime Health Cover Loading (LHC)
- Best Health Insurance
- Cheap Health Insurance
- What Is The Medicare Safety Net?
- Health Insurance Claim Process
- Health Insurance Tax
- The Medicare Levy
- Penalties & Benefits
- How To Save On Health Insurance
- The Medicare Levy Surcharge (MLS)
- Australian Government Health Rebate
- Health Insurance Rate Rise
- Health Insurance & COVID-19 FAQ
- Coronavirus, Elective Surgery & Your Private Health Insurance
- Coronavirus & Health Insurance in Australia
- CRO Demo Module Page
- Rate Rise Knowledge Hub
- Rate Rise Calculator
- Health Cover Check-Up
- Hospital & Extras Cover
- Ambulance Cover
- Dental Cover
- Pregnancy Insurance
- Health Insurance Waiting Periods
- Medical Gap Scheme
- Australian Government Rebate
- Life Stages Health Insurance
- Why Should I Get Health Insurance?
- Joining a Health Fund
- Review your health cover
- Switching Health Funds
- Finding Suitable Health Insurance
- Tips On Selecting Health Insurance
- A Better Way To Buy Health Insurance
- Participating Health Funds
- Medibank Private Health Insurance
- Frank Health Insurance
- Australian Unity
- Bupa Health Insurance
- Latrobe Health Services
- Health Partners
- Health Insurance For IVF
- What Is Crohn’s Disease?
- Private Health Insurance Tiers
- What Is Shingles?
- What Is Eczema?
- How To Discover If You Need Health Insurance
- Health Insurance & Pre-Existing Conditions
- Health Insurance Reforms
- Health Insurance FAQs
- Health Insurance Glossary
- How We Make Money
- Cancer Health Insurance
- How To Cancel Your Health Insurance
- Body Mass Index (BMI) Calculator
- Health Insurance For Cosmetic Surgery
- Health Care Insurance
- Commonwealth Seniors Health Card
- What Is HICAPS?
- Health Insurance For Single Parents
- Allied Health
Trying for a baby? The Public vs Private debate
Public or private: it’s a birth decision as important as the baby’s name. In fact, more so, as you can leave a name until the last minute and keep on changing your mind. When it comes to pregnancy and birth care, you need to commit early.
In Australia we’re fortunate to have a high standard of healthcare, an excellent public hospital system and a wide range of options for expectant mums. No two mothers and no two births are the same, so research as thoroughly as you can. Talk to other mums, your health practitioner and look closely at what your local area has to offer, so you can choose exactly what’s right for you and your baby.
The care factor
For Sydney businesswoman Olivia Trethewey, choosing a private obstetrician provided the reassurance of consistent, one-on-one care. “I thought very carefully about both private and public and eventually the decider for me as a first time mum was the comfort of knowing one obstetrician would be there for me throughout the journey.
“I was able to have a scan at every appointment, which made me feel calmer. I’m a quadruplet, and although I knew I was having just one baby, I still wondered if I’d suddenly see another one or two babies appear in there!”
If you choose the public route, you’ll be cared for by staff attached to your nearest public maternity hospital, where you’ll give birth. You may still be able to build consistency into your care through various models, including Shared Care between the midwives and your own GP; Team Midwifery, which provides you with care from the same group of midwives throughout, and even a system where two midwives care for you during pregnancy and are on call for your birth. Public hospitals are also fully geared up for very low intervention births, and might offer a Family Birth Centre where, if you choose, you’ll be able to move at your own pace as much as possible with midwives on hand in case things go awry.
Melbourne accountant Maggie Knight says she was pleasantly surprised by the choice available at her nearest public maternity hospital. “In the end I chose Shared Care, because my GP was close to my work and that made appointments easier. But I could have attended a Community Clinic or had Team Care at the hospital from a group of doctors and midwives. The public system seemed flexible and open to my needs.”
The comfort factor
Olivia Trethewey says she was drawn to the longer stay in hospital offered by the private system. Most public hospitals offer about two nights’ stay after a natural birth and four after a caesarean. Most private hospitals offer four nights for natural births and five for caesareans. Trethewey’s hospital, Prince of Wales Private Hospital in Randwick, Sydney, goes one better with a post-natal care program allowing women with complication free births to swap their hospital bed for an oceanfront room at the Crowne Plaza Hotel in Coogee.
“It was just amazing,” she says. “It was the perfect ‘halfway house’ between hospital and home. I’ll never forget standing on the balcony, watching the sunrise over the ocean, with my husband and new daughter. It was almost a money-can’t-buy experience.
The finance factor
The truth is, though, that money talks when you’re choosing between public and private. If you don’t have private health insurance, the cost of private hospital pregnancy and birth can range from $9000 to $30,000, depending on you and your baby’s needs. Even with insurance, the out-of-pocket costs of a private obstetrician, private hospital birth and postnatal care can range from $2500–$12,000.
Olivia Trethewey says she set out to minimise the costs as soon as she and her husband started talking babies. “We didn’t know how soon we’d start trying but I upgraded my private cover to include pregnancy, just in case. When the time came, we were able to afford the remaining out-of-pocket costs, which came to about $3,500.”
When Trethewey reviewed her policy, she discovered something that prospective mums don’t always realise: having private health insurance doesn’t mean you are automatically covered for pregnancy and obstetrics. Cheaper basic and many mid-range private health insurance policies don’t cover pregnancy, obstetrics and IVF. With most insurers, only a top level policy will provide pregnancy cover.
Most private health insurance funds also require you to have had private cover that includes pregnancy for 12 months (from when you take it out or upgrade) before you can claim on hospital costs related to childbirth. This means you need to have pregnancy cover for at least three or four months before falling pregnant, so it’s important to take out cover or upgrade your policy as soon as you start thinking about having a baby.
In a 2015 Ipsos research study commissioned by health insurance experts iSelect, almost half of women (47 percent) surveyed were either not sure or unaware of the 12 month wait time.
Another Ipsos study for iSelect this year found that one in five Australians surveyed with private health insurance are not sure if their policy covers them for pregnancy.
Sydney-based editor Aletha Wilkinson had intended to have a private birth with her first baby, but discovered when she was already pregnant that her existing private health insurance policy didn’t cover pregnancy and birth.
“First time out of the gate – whoops!” she says. “The worst part is I had actually updated my cover about a year prior, but did it online and never bothered to read the policy statement they sent afterwards. I did consider attempting to self-fund private care, but it ended up being a high-risk pregnancy and I was in hospital for an entire week in the end, so just as well I didn’t.”
She adds: “Always read the fine print. Don’t assume everything will be OK, whether it’s your health insurance policy or your health.”
If you’re going public by choice or financial necessity, it’s encouraging to remember that large public hospitals are well equipped to cope with the unexpected. During the birth of her first baby, Sydney business consultant Lara Dawson needed an emergency caesarian and general anaesthetic late in labour. “At 2am, there was a team of surgeons at the ready – I didn’t have to wait for a team to be called in,” she says. “Also I received some excellent free services; a social worker came to see me after the birth because of my trauma.”
iSelect does not compare all products in the market. Not all products are available at all times. Any advice provided in this content is of a general nature and does not take into account your objectives, financial situation or needs. You need to consider the appropriateness of any information or general advice we give you, having regard to your personal situation, before acting on our advice or purchasing any product.
Health Insurance Brand Discover Article.Text only. 12 months Online / Social Media / Print.
Originally published by Fairfax Media. This content may not be altered. Licensed to iSelect.