stu:0

Been here a couple of months now and think its time i took out private health insurance. The old wisdom teath are on there way and iv no idea where there gona go no room! I dont know if any of you guy's can recomend any companys, it looks like a minefield to me!!

Stu

youngy73

better get it quick stu or they will hit you with the medicare levi come tax time.

salokin

Hiya,
We use Medibank private, found them to be really good,
good luck with it all its a nightmare understanding it all !!!!!

Weasy

We're with Mutual Community and they seem fine. In the end I went with them as the woman who explained their cover to me was very helpful and half the Aussie mums I asked at school were with them , it was a bloomin nightmare trying to compare them all.

These guys - http://www.iselect.com.au/ were also very helpful.

Lou
xx

marco121068

We've plumbed for NIB. One of the 'plusses' in SA is that there aren't any 'preferred providers' - so we can go to whatever dentist etc we want. With the extras cover we get 65% of the cost back.

Sham Williams

Glad its not just me that is totally confused with the private medical system here in Oz!!

killamarsh

Can i ask how much people pay per month?

Plug

I've started to look at this and we will need to cough up $200-$250 per month for anything worth while, 2 adults and 3 kids.......as you say it's a minefield and certainly worth the effort of looking at all options

Weasy

We're paying $172 a month for intermediate hospital cover and good extras - family of four.

Lou
xx

datamile

Even iselect comes up with 34 pages.. how on earth do you select one ? Am I paying for all the nice shops for the big ones like medibank, or is their service much better.

stevemich

get this for about $30 per month - no problems claiming so far!!

http://www.mbf.com.au/HealthInsuranc...ng_Extras.html

Steve

worzel

We are with Medibank Private but not made a claim yet after 18 months. Premiums are about $200 pcm for top hospitals and extra but work pays $90 towards it. That makes it 30% less than the levy surcharge (we earn over $100K between us) if we didn't have any cover at all so it is a no brainer for us.

Weasy

I found it better to actually talk to someone at iselect - they rang me after I requested it on their website. They came up with recommendations based on our actual circumstances and so did Mutual Community and Medibank when I went to their offices. They all recommended the same level of cover for us (and not the top levels).

Still not sure we've done the right thing but we're all due a visit to the dentist soon so will actually make a claim. Also I'm 47 so we wanted to take hospital cover out right away so that we didn't get the age levy.

Lou
xx

Stella340

We're with AHM but went through i-select to choose it. There are loads of pages but you just have to pick one that gives the best coverage in the areas you specify and of course price has a part to play. Just make sure you take out bits that really aren't necessary for you to have, otherwise you may end up paying for things that aren't applicable to your situation, e.g. hip ops or pregnancy related cover.
Ours is $141 a month for 2 adults but we're paying about 8% surcharge as we're both over 30 We have got hospital cover with extras.

marco121068

But isn't that just the extras? Won't avoid paying the medicare surcharge.