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Health Insurance For Pregnancy

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Having a child is a big decision and if you’re planning to start, or expand your family, it’s important to compare pregnancy insurance that can give you the comfort of knowing that you have access to the best medical facilities and your choice of health care provider.

While Medicare does cover pregnancy and birth related costs at public hospitals, many parents-to-be opt for private pregnancy cover (also known as obstetrics), either as an add-on to their existing health insurance policy or with a new cover through another insurer.

With a new family member on the way, you may be looking at making a few other lifestyle changes. You might decide to move into a new house, or buy a bigger car. It’s also worth re-evaluating your private health insurance cover, or switching to a family policy so your baby is covered if he or she needs medical treatment after birth.

If you’re expecting or planning to start a family soon, you probably have a lot to organise. Shopping around to find the best health insurance for pregnancy may not be a huge priority at the moment but it’s essential to compare different providers if you want to get the best policy.

This is where Choosewell can help. We can compare health insurance for pregnancy and help you find the best policy with just a single phone call.

Call us today and let us do the work so you can get on with the preparations for your new arrival.

Why do I need private health insurance for pregnancy?

Private health insurance gives you more options when it comes to your pregnancy and birthing care. You’ll receive benefits towards your pregnancy and birth costs, in addition to hospital costs, such as delivery suite fees and accommodation. You can usually choose your obstetrician and have them present during the birth of your baby. You can also give birth in a private hospital, or as a private patient in a public hospital.

If you don’t have private pregnancy cover you may be limited to giving birth in a public hospital as a Medicare patient and you won’t have any choice over your health care provider during your baby’s birth.

With pregnancy cover you are also covered if you want to give birth at a private hospital, or if you want to be admitted as a private patient at a public hospital (where you may get your own room and your choice of health care provider).

While it’s an exciting time, pregnancy can also be an anxious time for many new parents-to-be. The ability to choose your health care provider and where you give birth can help you feel more relaxed and confident throughout the experience.

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Will my existing policy cover me for obstetrics?

Unless you’ve already opted for obstetrics cover in your current health insurance policy, it’s unlikely that you will be covered. Pregnancy and birth related costs have a 12 month waiting period before you can claim.

If you’re planning to start a family or add to it in the future it’s a good idea to prepare in advance so you can be sure you’ll be covered for the duration of your pregnancy.

The quality and extent of obstetrics coverage can vary considerably between different policies. This is why it’s essential to compare a few providers.

Children are expensive and while it may seem like the easy option to just continue with your current health cover provider and take their obstetrics cover, you may be able to get more affordable coverage elsewhere. You’ll appreciate the extra savings when the baby comes along!

What does obstetric cover give me?

While the details may vary between policies, as a general rule, obstetric cover will meet some or all of the costs for the following:

  • Obstetricians’ fees during delivery (but not necessarily for pregnancy care prior to birth)
  • Delivery suite costs for the birth
  • Accommodation at hospital when you give birth
  • Prenatal classes (depending on your policy)

Be aware that you may have to pay a gap cost for medical services. The amount you have to pay out-of-pocket will vary between insurers and it will also depend on the care provider you choose.

Obstetric cover doesn’t include any medical costs for the baby once he or she is born. You will need to take out family coverage before the birth if you want to be sure that your baby is covered for any hospital or medical treatment after birth.

What about fertility treatments/IVF?

If you’re ready to start a family and believe you may need some help conceiving you will need to search for the best policy to cover future IVF treatment and/or other assisted reproductive technologies.

There is a wide variation in what is covered and how much you can claim for fertility treatments between different health insurance providers. Regardless of the insurer, fertility treatment is also generally subject to a 12 month waiting period so it’s a good idea to plan ahead if this is a potential option you may need to take in the future.

The majority of health insurers define infertility as the inability to conceive after one year of trying. The extent of assisted reproductive cover varies between different providers. Furthermore, it also depends on your insurer as you may or may not be covered for IVF drugs, consultations, ultrasounds as well as some pathology and diagnostic services.

If you’re planning to claim for fertility treatments on your private health insurance, make sure you read your policy carefully so you know what you can and can’t claim for.

Fertility treatments can be very expensive and you may need to undergo a few attempts before you are successful. Paying entirely out of pocket for fertility treatment is out of the reach for many people, which means private health insurance is often essential.

 

Estimated out-of-pocket costs for fertility treatment at IVFAustralia

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“The majority of your day surgery fees are covered by private health insurance. This could include egg collection and embryo transfer for IVF and ICSI treatments. If you don’t have private health insurance, you can expect to pay up to $2,000 for private hospital care and an anaesthetist. There is no Medicare rebate for day surgery procedures, though some rebates exist for anaesthetist services.”
Source: http://ivf.com.au/ivf-fees/ivf-costs#day-surgery

While it’s important to find the right health insurance to cover the cost of starting or growing your family, with so many different policies to choose from, finding the right one can be difficult, and time-consuming.

Choosewell can help. Just a single phone call and we will find the right pregnancy health insurance policy that’s tailored to your circumstances and needs. Call us today to get started!

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