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Private Health Insurance

Discussion in 'Off Topic' started by Ninga, Nov 11, 2016.

  1. oldman

    oldman Super Moderator Staff Member

    Messages:
    9,754
    Location:
    Avalon Beach NSW
    Based on folks' comments, it would seem there's a parallel to be drawn between Private health cover & registration within different states....:rolleyes:
    Conspiracy theory.......?
    As Al said, stay healthy !
    Cheers,
    Mark
     
    Ninga likes this.
  2. Lois lane

    Lois lane Active Member

    Messages:
    263
    Location:
    The Oaks
    Hey Chrissie
    I think I might have commented on that post a while ago.
    At the end of the day, if your child is injured and needs surgery, (it isn't urgent but they are incapacitated and in pain) the worst feeling would be if you couldn't get surgery for the length of a waiting list. Our top hospital cover ensured a speedy operation by a great surgeon. One of our sons mates had the same injury, shoulder dislocation, and waited
    19 mths for an op. Our sons' operation would have cost us a fair bit more without cover, but it was choice of doc and quick admission that was important. We don't pay extras cover and save that way by putting money away for dentist etc.
    Hope you don't need to use any of this and the munchkins and you both stay healthy :D
    Kim
     
    Ninga and melissa like this.
  3. David H

    David H Well-Known Member

    Messages:
    6,296
    Location:
    newcastle
    Hi Chrissie,
    What ever it takes to meet your needs for yourself & your family. We'll all see it differently. Keep your costs covered. By insurance or saving. Medical is a 'cost of family life'. PHI just moves you 'up the queue'. And who, likes queuing when you/your child is in pain?
    Cheers,
    David H
     
    Ninga, melissa and syncro like this.
  4. chenko

    chenko Member

    Messages:
    173
    Location:
    Sydney
    What is wrong is to take money away from the public system to prop up share prices and due to an ideological bent against public health. Please show evidence of your claim that the more people with PHI means less taxes to paying medicare. I know we live in a world increasingly moving towards baseless claims without evidence but I still like to see unsubstantiated claims backed up. It is without basis in fact and studies show the rebate does not deliver anywhere near bang for your buck. http://www.smh.com.au/comment/priva...veness-or-greater-choice-20160112-gm4mvl.html

    What is wrong is to continue with a failed policy that weakens the public health system and forces more to a user pay American system which is roundly regarded as a joke for anyone without substantial financial means

    If you read through the articles i have posted it will demonstrate how private health insurance is failing Australians

    https://www.theguardian.com/comment...nsurance-for-peace-of-mind-then-he-got-cancer
    https://www.theguardian.com/austral...rth-it-for-the-pregnant-the-rich-and-the-sick
     
  5. chenko

    chenko Member

    Messages:
    173
    Location:
    Sydney
    Disagree. Universal health care is an inalienable human right which should be available to all regardless of means. We have what was once regarded as a best in the world health system which has been chipped away at by the profit motive, including private health and delivers far less now than it ever has. It is nothing like working and receiving the dole in my view. Just as sending your kids to a public school is nothing like working and receiving the dole.

    And yes, i am prepared to pay higher taxes for a health care system that delivers quality care for everyone. James Packer or the homeless guy on the street should be able to receive health care for free and not be treated differently in a quality public system.
     
  6. syncro

    syncro Well-Known Member

    Messages:
    9,752
    Location:
    Southern Highlands
    It's not free. Why should I pay for someone else that can afford it as well as paying insurance for myself? The bogans need to take a bit of responsibility for themselves. The same goes for aged pensions.
     
    Last edited: Nov 17, 2016
  7. chenko

    chenko Member

    Messages:
    173
    Location:
    Sydney
    Correct, those who earn enough pay the medicare levy. Some of us with more means pay much more in medicare levy than we will ever use personally, some of us accept this and some gripe about it. Some of us without the means pay little or nothing for a lifetime of FREE healthcare to them. Long may this system continue. Viva la medicare.

    I also welcomed the extra 0.5% medicare levy i have been paying since July 2014 for the NDIS scheme. Because families should not be bankrupted for looking after disabled family members.

    I would vote for anyone who proposed increasing the medicare levy to provide for a better mental health system. Australia's approach here is woeful and leaves many without desperately needed help. Our youth suicide rates are highest in the world and overall suicide rates highest in 10 years. Large part of that is there are very limited options for those suffering mental illness in Australia.
     
    David H likes this.
  8. syncro

    syncro Well-Known Member

    Messages:
    9,752
    Location:
    Southern Highlands
    The Medicare levy really doesn't have anything to do with Medicare. It's just another tax.
     
  9. chenko

    chenko Member

    Messages:
    173
    Location:
    Sydney
    I would like to know the basis behind making such statements

    Medicare levy currently funds approximately half of public health costs. A doubling to 3% would be closer to the real cost.

    What is much more accurate to say, and verifiable, is that the private health insurance rebate has very little impact on reducing public costs and is corporate welfare.
     
  10. syncro

    syncro Well-Known Member

    Messages:
    9,752
    Location:
    Southern Highlands
    All federal taxes just go into a big lump and get divided out to the states. What the states do is pretty much up to them. I don't believe in Santa Clause.

    Blaming Medicare for poor health services is like blaming NRMA Insurance for crap panel beaters.

    We do agree on one thing is that Medicare should always be there for the people that need it. Let's leave it at that.
     
  11. chenko

    chenko Member

    Messages:
    173
    Location:
    Sydney
    The federal government directly funds themselves.....without the states.....the PBS scheme, bulk billing, specialist consults and some private hospital operations
    Every time someone is bulk billed or gets a discounted medicine.....it is being paid for by the Commonwealth of Australia

    States take care of hospitals and other state schemes

    You raise an important point about the constant cost and blame shifting between state and federal governments.......the states try to kick people out of their hospitals so they can see their bulk billing GP and federal tries to shift them back to the states

    anyhow.....ninja....i will leave you with this comment from a researcher quoted in one of the articles

    If you’re over 75, or if you are a heavy drinker and smoker and grossly overweight and having random unprotected sex and take up hang-gliding, private health insurance is a great product. If you are thinking of getting pregnant, get it, and as soon as you have a baby, drop it.
     
  12. Mellow Yellow 74

    Mellow Yellow 74 Active Member

    Messages:
    847
    Location:
    Sydney
    Wow, so bogans don't buy private health insurance but non bogans do? I worked in the resources industry in rural Queensland and saw plenty of cashed up FIFO bogans who would all probably buy health insurance along with the V8 ute and jet ski. Similarly I know some very intelligent professional people who choose not to buy private health insurance for various reasons.
     
  13. syncro

    syncro Well-Known Member

    Messages:
    9,752
    Location:
    Southern Highlands
    They are the bludging scum that I am subsidising.
     
  14. chenko

    chenko Member

    Messages:
    173
    Location:
    Sydney
  15. Grantus

    Grantus Well-Known Member

    Messages:
    17,588
    Location:
    Southern ACT
    Would that include other policies like Qantas Assure, that is underwritten by the same health fund? o_O

    If so, it's worth finding out who the "parent fund" is to any policy on offer....
     
  16. Mellow Yellow 74

    Mellow Yellow 74 Active Member

    Messages:
    847
    Location:
    Sydney
    Really? So are people that send their kids to the local public school instead of a private school bludging scum that you are subsidising as well? I hope you don't have an investment property that you are negative gearing because the rest of us hate subsiding these bludgers as well.
     
  17. oldman

    oldman Super Moderator Staff Member

    Messages:
    9,754
    Location:
    Avalon Beach NSW
    Play nicely kiddies......
     
    David H likes this.
  18. syncro

    syncro Well-Known Member

    Messages:
    9,752
    Location:
    Southern Highlands
    The private/public school decision is not always an economic choice. Most of the younger ones that I know go to private schools.


    How is negative gearing subsidising? Negative gearing is not a subsidy but a legitimate tax deductible expense the same as any other business expense. If your company sells widgets and buys a widget at a cost of $120 and sells it for $200 then the company does not pay tax on $200, but only $80. It's the same thing without the media beatup. Without negative gearing on property investment there would be a lot of homeless people as the profit would be less than bank interest. Positively geared investment properties only make around 2-3% if they are well managed.
     
    Last edited: Nov 19, 2016
  19. syncro

    syncro Well-Known Member

    Messages:
    9,752
    Location:
    Southern Highlands
    Now back to the original subject. What pisses me off is that any insurance does not cover operations that you do not stay overnight in a hospital. I have to have a BCC removed on Monday which will cost $615 + $150 for pathology with a Medicare rebate of $157. So I will be $608 out of pocket and none of the insurers cover this.:mad:
     
  20. KahunaKombi

    KahunaKombi Super Moderator Staff Member

    Messages:
    22,002
    Location:
    Bracken Ridge, Qld
    On 31st Ocotber had surgery to remove a 6x6x2cm lipoma from the neck - PHI covered all hospital costs, out of pocket $280.00 for anaethistist and as for surgeon well at this stage received no A/c so Tuesday we may get hit with a bill but up to them to raise it with us - reminds me I best check the health fund and see what they paid :p.
     
    Last edited: Nov 19, 2016

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