*******me,you and private health insurence *********

Hi all
so let me tell you abit about my self im 26 from England. Iv been over here for the last year and have. I have 5 year temporey visa subclass 461.
so anYway i went to the doctors yesturday and he said in kind words have you ever thought about haven weight loss surgery,Off cause i had iv been unhappy with my body for many years,he told me if i buy private health care for a year this would cover the cost of the surgery.
So i came home looked on the internet and was over whelmed with all the health insurence.
I just want single cover and top hospital cover i dont want any extres. which health insurence should i go for. please help any advice would be great

Hi Monica,
I have sent you a PM. You can get to it via the "messages" tab at the top of the page
Cheers - Carrie

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thanks augigi
i went on to the site but found it hard to compare companys.it just gave me a list of companys.it ould cot me so much to ring them all and compare.
who are you with

Also be aware that private health insurance may not cover all your costs.
I was out of pocket $5500, but all surgeons and states are different.

5500 thats alot.who was you with..

The out of pocket costs depend on more than the fund. Depends mostly on the surgeon and what amount of extra or "gap" fee they charge. Also depends what agreement your fund has with the hospital.

Find a surgeon and ask their office manager which is the best insurance for that surgeon & hospital.

I am with NIB. Cost is ~$65/fortnight for hospital and extras (you may not need extras if you just want cover for this surgery).

My hospital excess is $500.
My surgeon's gap fee is $3400 which includes the anaesthetist and assistant surgeon (I should get back ~$700 from Medicare).
Psych ($82.35 after rebate) and dietician ($20 after rebates) are separate.
Ongoing office visits to surgeon are $20 (after rebate).
Preop bloods & ECG ($192) and CXR ($50) were separate.

My ECG and bloodtests were bulk billed, so no cost.
I didn't have psych. or chest x-ray, so no costs there.
My surgeons fee covers me for 2 years post-op care, so no ongoing costs there.

I paid nothing to the hospital.

Costs were surgeon, assistant surgeon and anaesthetist, as you get very little back from Medicare. Assistant surgeon charged $800, I got $80 back from Medicare and $80 from PHI.
I know the anaesthetist was around $1300, I paid $550 out of pocket there. Can't remember the surgeons figures!!

Wrong thread....OMG my brain is still frozen.