Even the 5.6% or so pay rise being reported for health cover has been exceeded by our ahm rip off of 10%
We changed last year after Medibank hike rip off
With AHM we got a free month, so intend to do that again. They are offering this, so will ring them and tell them no freebie, we jump.
Anybody else know of any deals.
Just looking for cheaper end of basic hospital, dental and optical extras.
Not interested in fitbits or anything (ala Medibank, just hard cash (well month off anyway)
Cancel extras cover it's not worth it for most people. Of the revenue they collect from extras, they only pay out 72%.
Cancel the hospital. Unless you are in high income and need hospital cover so you don't have to pay Medicare tax levy
I have asked for an invoice in the past, to show the breakdown, and also the Lifetime Health Cover. Never got one.
Tried to do a quote with different option also a pain.
Been to their store for something simple and it took ages…..
My patience is running out, hence paid the price, the money…
Will revisit when I find my stamina again.
Sorry OP, didnt mean to hijack your post. Good luck!
Switch to medicare, it's pretty cheap
I would, wife seems to think we will jinx ourselves if we cut cover.
Don't even use the extras
Is there anywhere to quickly work out what the levy is. Or is below figures correct
AFAIK for Tier one its 1% say $1800 and approx $2400 for cover ($200 pm)
If cover cost $600 net a year and we get 2x optical and 2x dental checkups, + filling its not too bad
But this year we just used 1x optical
Edit: Just realized, Tier 1 is $180 plus, Base is up to $180k.
As a family son is now working, does his income get included 20yo?
We are with GMF. They covered our kids till they were 21 regardless of what they earnt. Once 21 only covered if earning around $20,000 a year.
The Medicare Levy is actually expensive as a percentage of income.
And join a 2-3 year waiting list for critical yet non-life threatening conditions? Immediate examples I can think of from people I have personally known without private health care was for hip replacements or shoulder surgery. Who knows what other "non life-threatening" conditions they will make you wait for on the public system. No thanks
That's cool each to their own. That's why they call it insurance, you take the risk something like this won't happen if you don't have it.
I've been paying for it for 10 years and decided enough is enough. If I'm dying the public system will fix me and if not then I will suck it up and wait
The problem is how the health cover is a minefield of jargon so you have no idea of exclusions until s**t happens. Then you realize you ain't covered, so it was pre-existing because of some technical detail, or you fell over when you were 12 and saw a doctor because you hurt your shoulder.
If you add everything onto the cover it costs a fortune, you might as well build your own hospital! There was a news article about how some chaeper cover from certain companies is worthless (can't remember who)
My wife had an in patient procedure, got nothing from the health cover because it was so say pre-existing, $300 on top for bloods.
I'd agree. I really despise health insurance. I recently had finger surgery performed. I put it off for about 2 years, a sharp pain in the middle finger. Eventually it became unbearable and I had it looked at. Ultrasounds/ X ray - could see a foreign object but I had no idea wtf it could be.
Come to day of surgery, was told my medibank didn't cover this, WTF!!!?!? Anyways it was a piece of glass imbedded, had formed a barrier around the object and was twitching my nerves, hence the sharp pains. I had to pay $2000 out of my own pocket for day surgery cause they wouldn't cover it. I'm still pissed till this day. When I did get a chance to call them and query why… they told me 'if you were on the 'newer and cheaper cover, you would have been covered' now wtf!?!??! its too bloody confusing. I want the piece of mind, but gosh, as mentioned above, the minefield of jargon goes beyond what I know, and I've been with medibank for over 8 years. It is time to switch
My AHM cover went up by almost 9%, last year it went up by 12% from memory. Ridiculous, time to shop around.
yeah, we switched to Ahm as we got a free month and saved $80 per month.
This year, like I say, everyone mad at 5% increase, but wtf, ours goes up 10%
Looking to jump to somewhere offering a free month - which is what this OP was all about
We were on corporate medibank, so my wife's procedure may have been covered, but ahm are going on about some other reason for not paying.
The clinic nurse said it was BS and is trying to have a go at them.
But winnieblues , we do get medicare 50% rebate. Well, we got a leaflet, not got the money back yet
I've been with AHM for 20 years (parents' membership rolled into my own) and I've never had any problems claiming, but I also have only really made one serious claim for an operation and it was a pretty standard one.
My mother works for an eye specialist practice/surgery and says AHM are one of the better ones for higher claim payouts. CBHS (if you've ever been a Commbank employee) is supposed to be one of the best.
I definitely don't get the value out of my $180 a month premium.
Waste of money. I've never bothered to earn much and always get discounts if I need them or flat out tell them I can't pay it after they fix me up. You'll get the levy if you earn a stack, so stop earning so much.
We are with Medibank and didnt have time to do any research before the hike.
So on 30-March, paid the annual fee. That saves over $400! Do you call that a deal? LOL.. or weeping …
How much is your AHM?