Obviously, having a high risk twin pregnancy came with a mounting pile of emotional stress and a great fear of the unknown.
There were several emergency trips to the hospital, including a dramatic post Christmas ambulance ride and spending 3 days in observation. That was fun…not.
Due to twin growth discordance, fortnightly ultrasound appointments were also vital. Then every other week, there was a mandatory check up with the obstetrician. It was one of those sticky situations where you actually became acquainted with an entire floor of hospital staff on a first name basis…for all the not-so-pleasant reasons.
Despite the unstable journey and all the medical attention my unborn babies needed, we were fortunate that our private health insurance cover could eliminate much of the financial strain.
Then, when the twinlets were born via cesearan 5 weeks early, we were given high priority as private patients in a public hospital that had the best facilities for premature babies in our area.
My tiny babies were in NICU for a fragile 16 days. I’m forever in debted to all the midwives, nurses and doctors that took such great care of them.
As of this new financial year, new government rules have come into place to encourage Australians take up private health insurance. Families within a certain combined household income bracket and who also don’t have elligible hospital cover, may be charged with the additional Medicare Levy Surcharge. So, it makes sense in taking up the option to have extra medical care (even if you need it now), without paying too much more for it.
It can be daunting trying to find the right information regarding which provider and policy works best for you and your family.
Choosi is a resourceful website that compares and reviews private health insurance cover options. It can help find the right policy for your budget and lifestyle.
There’s also useful articles regarding what you need to look for when it comes to hospital cover and extras cover.
Ultimately, it’s about making sure you choose the right insurance to get the most value.
We had two little ones in my womb, fighting to survive. Thanks to our insurance cover, medical support and facilities were immediately available to ensure their safe arrival into the world.
And for me, that’s been invaluable.
Disclaimer: This is a sponsored post for Choosi. While compensation was received, I am a big believer in having private health insurance and of course, all opinions expressed are my own.
We have private health insurance but we have been toying with the idea of actually cancelling the hospital cover and just keeping the extras. I think we will probably end up keeping it though, just to have it there as a back-up. I went private when I had Mia but think for the next one we will go public as we just won’t have the cash to pay for all of the OB appointments up front like we did for Mia when I was working full-time. We have started saving already but it will be one less thing to have to pay for if we go public.
Our local hospital is actually a private hospital that takes public patients as the next closest public hospital is over 20 mins away. If there are private rooms available at the time on the maternity ward all patients are put there and it is only if they get busy and a woman with private cover comes in that you might be moved to a twin-share room so I figure the chance of having a private room is pretty high anyway, and with a bit of luck things will go smoothly next time and I won’t have to stay in the hospital for more than a few hours anyway!
I love having extras cover through our private health as it means Dave and I can get physio for half the price, as well as acupuncture and dental check-ups free or for minimal cost.
Kylez @ A Study in Contradictions recently posted..Wordless Wednesday – Dreaming of Blue Skies & Holidays
private health insurance is something we don’t compromise
gorgeous pic
xx
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Teeny tiny twinlets FTW!
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Gorgeous photos Grace and great post.
I wouldn’t be without PHI either – both of us having malignant Cancer diagnoses and option of immediate surgery or waiting it out weeks or longer in Public system.
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What gorgeous little cherubs, you are holding there Grace 🙂
Thank God for Private Health Cover, I say. My bionic hip would have cost $25, 000 had I been required to pay for it …. yikes!
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Is it possible one of your twinnies is smiling?
It sounds like a stressful time, but with such a happy ending.
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Oh my look at your little baba! Were they ever that small? You look pretty awesome for just having twinkles yourself.
I don’t have health cover but I am getting to ‘that’ age and starting to thinking about getting it. My twinnies gave me a bad back! Any whoo, thatnks for your experience with Private. I’ll be pondering more on this down the track. xx
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We always compare and we always make them give us a better offer. We are smart like that 😉
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Private health care insurance is for situations in Canada for certain things that public health care system might not cover indefinitely, etc.
How I wish we could have health insurance but we simply cannot afford it (for me and my husband – the boys are on the State insurance). Unfortunately, in the U.S., health insurance is a luxury that we’ll soon be penalized for not having….
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