Health insurance for family of 4 in Brisbane. How much
#1
Forum Regular
Thread Starter
Joined: Jan 2010
Posts: 120
Health insurance for family of 4 in Brisbane. How much
Hey guys,
as usual I'm reading totally different things regarding health costs in Brisbane.
Family of 4: 2 adults 2 children (3 and 5) moving to Brisane We are UK citizens so qualify for recipricol health agreement. I'm on a 457 visa.
We have travel insurance for first 3 months and I will be registering for basic medicare once we arrive.
I understand we will also need to take out private health care to cover things medicare dosen't ie ambulance cover, prescriptions, dentist etc. etc.
I had budgeted about $200 dollars per month for healthcare plus setting aside $50 odd per month for random doctors visits. I've read somewhere that I would need $450 per month but I've also read that some people haven't bothered getting any healthcare.
We're pretty healthy family, eat well do a bit of exercise, non-smokers etc. so not in bad shape.
Anyone got any thoughts?
Cheers
as usual I'm reading totally different things regarding health costs in Brisbane.
Family of 4: 2 adults 2 children (3 and 5) moving to Brisane We are UK citizens so qualify for recipricol health agreement. I'm on a 457 visa.
We have travel insurance for first 3 months and I will be registering for basic medicare once we arrive.
I understand we will also need to take out private health care to cover things medicare dosen't ie ambulance cover, prescriptions, dentist etc. etc.
I had budgeted about $200 dollars per month for healthcare plus setting aside $50 odd per month for random doctors visits. I've read somewhere that I would need $450 per month but I've also read that some people haven't bothered getting any healthcare.
We're pretty healthy family, eat well do a bit of exercise, non-smokers etc. so not in bad shape.
Anyone got any thoughts?
Cheers
#2
Home and Happy
Joined: Dec 2002
Location: Keep true friends and puppets close, trust no-one else...
Posts: 93,787
Re: Health insurance for family of 4 in Brisbane. How much
Hey guys,
as usual I'm reading totally different things regarding health costs in Brisbane.
Family of 4: 2 adults 2 children (3 and 5) moving to Brisane We are UK citizens so qualify for recipricol health agreement. I'm on a 457 visa.
We have travel insurance for first 3 months and I will be registering for basic medicare once we arrive.
I understand we will also need to take out private health care to cover things medicare dosen't ie ambulance cover, prescriptions, dentist etc. etc.
I had budgeted about $200 dollars per month for healthcare plus setting aside $50 odd per month for random doctors visits. I've read somewhere that I would need $450 per month but I've also read that some people haven't bothered getting any healthcare.
We're pretty healthy family, eat well do a bit of exercise, non-smokers etc. so not in bad shape.
Anyone got any thoughts?
Cheers
as usual I'm reading totally different things regarding health costs in Brisbane.
Family of 4: 2 adults 2 children (3 and 5) moving to Brisane We are UK citizens so qualify for recipricol health agreement. I'm on a 457 visa.
We have travel insurance for first 3 months and I will be registering for basic medicare once we arrive.
I understand we will also need to take out private health care to cover things medicare dosen't ie ambulance cover, prescriptions, dentist etc. etc.
I had budgeted about $200 dollars per month for healthcare plus setting aside $50 odd per month for random doctors visits. I've read somewhere that I would need $450 per month but I've also read that some people haven't bothered getting any healthcare.
We're pretty healthy family, eat well do a bit of exercise, non-smokers etc. so not in bad shape.
Anyone got any thoughts?
Cheers
#3
Re: Health insurance for family of 4 in Brisbane. How much
Go to iselect.com.au and fill in your family details and requirements and it will give you a quote on health insurance.
#4
Re: Health insurance for family of 4 in Brisbane. How much
Hey guys,
as usual I'm reading totally different things regarding health costs in Brisbane.
Family of 4: 2 adults 2 children (3 and 5) moving to Brisane We are UK citizens so qualify for recipricol health agreement. I'm on a 457 visa.
We have travel insurance for first 3 months and I will be registering for basic medicare once we arrive.
I understand we will also need to take out private health care to cover things medicare dosen't ie ambulance cover, prescriptions, dentist etc. etc.
I had budgeted about $200 dollars per month for healthcare plus setting aside $50 odd per month for random doctors visits. I've read somewhere that I
would need $450 per month but I've also read that some people haven't bothered getting any healthcare.
We're pretty healthy family, eat well do a bit of exercise, non-smokers etc. so
not in bad shape.
Anyone got any thoughts?
Cheers
as usual I'm reading totally different things regarding health costs in Brisbane.
Family of 4: 2 adults 2 children (3 and 5) moving to Brisane We are UK citizens so qualify for recipricol health agreement. I'm on a 457 visa.
We have travel insurance for first 3 months and I will be registering for basic medicare once we arrive.
I understand we will also need to take out private health care to cover things medicare dosen't ie ambulance cover, prescriptions, dentist etc. etc.
I had budgeted about $200 dollars per month for healthcare plus setting aside $50 odd per month for random doctors visits. I've read somewhere that I
would need $450 per month but I've also read that some people haven't bothered getting any healthcare.
We're pretty healthy family, eat well do a bit of exercise, non-smokers etc. so
not in bad shape.
Anyone got any thoughts?
Cheers
#5
Home and Happy
Joined: Dec 2002
Location: Keep true friends and puppets close, trust no-one else...
Posts: 93,787
Re: Health insurance for family of 4 in Brisbane. How much
Changed a year or so back, so you need insurance to get the visa and to get over here and sign up with Medicare, after that you are free to cancel it.
#6
Forum Regular
Thread Starter
Joined: Jan 2010
Posts: 120
Re: Health insurance for family of 4 in Brisbane. How much
I have travel insurance for the first 3 months which was enough to get my visa.
Soon as I'm over I will be registering for Medicare.
Soon as I'm over I will be registering for Medicare.
#7
Re: Health insurance for family of 4 in Brisbane. How much
On a 457 now if you are eligible for reciprocal health care then you only need to pay for insurance until you are registered with Medicare. DIAC are happy with that
Changed a year or so back, so you need insurance to get the visa and to get over here and sign up with Medicare, after that you are free to cancel it.
Changed a year or so back, so you need insurance to get the visa and to get over here and sign up with Medicare, after that you are free to cancel it.
#8
Re: Health insurance for family of 4 in Brisbane. How much
Health Insurance won't cover prescriptions. Ambulance cover is included in your Leccy bill and Dentist cover (bugger all compared to premiums paid long term) can be got by extras cover.
#9
Re: Health insurance for family of 4 in Brisbane. How much
Ambulance is no longer covered in the electricity bill - is now just a free service to QLD residents. If you are on a 457 you are fine;
From: http://www.ambulance.qld.gov.au/subscribe/faq.asp
Question:
I am working in Queensland on a working Visa am I covered whilst in Queensland?
Answer:
Provided you have a work visa and can show evidence of your Queensland residency such as a:
a letter from your employer; or
a copy of a rent receipt; or
a statutory declaration
You will be fully covered. It is important to note that once you leave Queensland you will no longer be covered.
It is recommended that you contact your travel agent to ensure that you have adequate ambulance cover whilst travelling outside of Queensland
Private Health information can be found at www.privatehealth.gov.au of particular interest might be: http://privatehealth.gov.au/healthin...as/457visa.htm
From: http://www.ambulance.qld.gov.au/subscribe/faq.asp
Question:
I am working in Queensland on a working Visa am I covered whilst in Queensland?
Answer:
Provided you have a work visa and can show evidence of your Queensland residency such as a:
a letter from your employer; or
a copy of a rent receipt; or
a statutory declaration
You will be fully covered. It is important to note that once you leave Queensland you will no longer be covered.
It is recommended that you contact your travel agent to ensure that you have adequate ambulance cover whilst travelling outside of Queensland
Private Health information can be found at www.privatehealth.gov.au of particular interest might be: http://privatehealth.gov.au/healthin...as/457visa.htm
#10
Re: Health insurance for family of 4 in Brisbane. How much
Ambulance is no longer covered in the electricity bill - is now just a free service to QLD residents. If you are on a 457 you are fine;
From: http://www.ambulance.qld.gov.au/subscribe/faq.asp
From: http://www.ambulance.qld.gov.au/subscribe/faq.asp
#11
Re: Health insurance for family of 4 in Brisbane. How much
Cheers.
#12
BE Forum Addict
Joined: Mar 2006
Location: Riverland, SA - Beds/Cambs/Nhants was home in UK
Posts: 1,503
Re: Health insurance for family of 4 in Brisbane. How much
It really comes down to your family requirements personally.
We've been here 5 years and only just subscribed to health insurance. We've decided to go for it now because we've two sons with orthotics, one son with glasses, one husband with rubbish teeth etc
Ours costs around $200 per month but this is a quite high level of cover (we've just had a lot of friends diagnosed with cancer and it's made us very paranoid!)
Even with health insurance you will end up paying some gap payments as even with the highest level, there's gaps!
We've been here 5 years and only just subscribed to health insurance. We've decided to go for it now because we've two sons with orthotics, one son with glasses, one husband with rubbish teeth etc
Ours costs around $200 per month but this is a quite high level of cover (we've just had a lot of friends diagnosed with cancer and it's made us very paranoid!)
Even with health insurance you will end up paying some gap payments as even with the highest level, there's gaps!
#13
Forum Regular
Joined: Jul 2006
Location: Western suburbs of Brisbane
Posts: 266
Re: Health insurance for family of 4 in Brisbane. How much
We have private cover for a family of 5 because we would be hit with the medicare levy surchage. We have high level of cover and pay $273 a month with HCF. Good for us because it helps with things like acupuncture, chiropractor and speech therapy which we use. Cannot wait to be able to access the orthodontist cover next July.
#14
Re: Health insurance for family of 4 in Brisbane. How much
Hey guys,
as usual I'm reading totally different things regarding health costs in Brisbane.
Family of 4: 2 adults 2 children (3 and 5) moving to Brisane We are UK citizens so qualify for recipricol health agreement. I'm on a 457 visa.
We have travel insurance for first 3 months and I will be registering for basic medicare once we arrive.
I understand we will also need to take out private health care to cover things medicare dosen't ie ambulance cover, prescriptions, dentist etc. etc.
I had budgeted about $200 dollars per month for healthcare plus setting aside $50 odd per month for random doctors visits. I've read somewhere that I would need $450 per month but I've also read that some people haven't bothered getting any healthcare.
We're pretty healthy family, eat well do a bit of exercise, non-smokers etc. so not in bad shape.
Anyone got any thoughts?
Cheers
as usual I'm reading totally different things regarding health costs in Brisbane.
Family of 4: 2 adults 2 children (3 and 5) moving to Brisane We are UK citizens so qualify for recipricol health agreement. I'm on a 457 visa.
We have travel insurance for first 3 months and I will be registering for basic medicare once we arrive.
I understand we will also need to take out private health care to cover things medicare dosen't ie ambulance cover, prescriptions, dentist etc. etc.
I had budgeted about $200 dollars per month for healthcare plus setting aside $50 odd per month for random doctors visits. I've read somewhere that I would need $450 per month but I've also read that some people haven't bothered getting any healthcare.
We're pretty healthy family, eat well do a bit of exercise, non-smokers etc. so not in bad shape.
Anyone got any thoughts?
Cheers
#15
Re: Health insurance for family of 4 in Brisbane. How much
I think the confusion on price might be that people on a 457 can't access normal private insurance policies that residents can. I think you only have access to a special temporary resident private insurance that covers more and costs more. Maybe someone can confirm this?