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Airstream Driver posted:Anyone got some good private health insurance reco's? Just need basic hospital + optical and dental. not worth it.
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Jan 1, 2021 10:02
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| # ? May 29, 2024 01:37 |
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Double rainbow this Arvo
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Jan 1, 2021 10:31
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I would blow Dane Cook posted:not worth it. Unfortunately I need it to avoid the MLS.
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Jan 1, 2021 10:34
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I use HCF, fortunately haven't had to use it much but I've been satisfied with it so far. Lil bee and I drove out to Port Stephens to visit friends and maybe see a little beach... It's pissed down rain all day which isn't ideal but I'll still take this over the bush fires. A satisfactory start to 2021.
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Jan 1, 2021 11:21
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it's very cool that the Australian flag patch that Dr Weir wears in Event Horizon had an aboriginal flag in place of the union jack. also its very laughable to think that this science hating nation would produce a scientist that figures out warp travel
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Jan 1, 2021 11:45
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What a loving dumb idea that was.
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Jan 1, 2021 12:17
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Basic hospital cover is all pretty much identical across funds, same with optical extras. Dental is the only bit that's a bit relative so if you already have a dentist you like just find out their preferred provider. Otherwise whatever fund you choose will have a list of the practices that they cover. Most funds have more or less identical waiting periods for access to services but any difference across what you're looking for might be a selling point between two otherwise identical mobs
Jezza of OZPOS fucked around with this message at 13:09 on Jan 1, 2021 |
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Jan 1, 2021 13:06
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I'm at the point where I'm on-and-off tossing around the idea of just dropping my cover to minimal hospital cover and self-insuring. I'm paying about $180/mo (I'm in the no-rebate tier) for mid-level hospital and low-level extras. For extras, this gets me: - $200/year optical, which I at least use at the moment - $400/year dental, which I should use more than I do but even still two checkups a year would get me at best about $250 - $300/year physio/chriro/etc. that I never use - $150/year pharmacy that I only barely scratch because most of my meds are on the PBS and thus don't attract any rebate I sometimes think I may as well just pay for the minimum required to not pay the MLS and then pocket the difference for when I do need extras cover. It's to the point where I'll basically have to buy glasses just for the sake of it to extract some value, and I don't really like that sort of consumerism for consumerism's sake. But then on the flipside, my $180/mo is like $145 hospital and $35 extras, so at best I'd save ~$400-450/year if I kept the same hospital, or I could reduce my hospital and bank on the fact that my relatively low-risk lifestyle means I won't clean myself up downhill BMXing or something, which at best gets it down to about $100/mo and thus save about $1k/year. I really don't know how private health insurance as an industry plans to survive for much longer. Anyone who doesn't need it for the tax writeoff must look at it and just wonder why they don't pocket the $1200+/year as savings for hospital expenses, especially considering that in many cases you end up with a substantial out-of-pocket anyway due to the excess levels required to get fees down that low (like $750). Not to mention that if push comes to shove, we've got a solid public health system backing them anyway. It really feels like it's at that tipping point where the MLS + lifetime health loading + rebate tiers for middle-income earners are just enough to make people bother with it, but if it keeps rising like it has over the last decade that very quickly won't be the case. And as soon as the exodus starts, the economics of providing cover for the 'value' they currently offer quickly becomes impossible.
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Jan 1, 2021 14:23
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Nam Taf posted:I really don't know how private health insurance as an industry plans to survive for much longer. Anyone who doesn't need it for the tax writeoff must look at it and just wonder why they don't pocket the $1200+/year as savings for hospital expenses, especially considering that in many cases you end up with a substantial out-of-pocket anyway due to the excess levels required to get fees down that low (like $750). Not to mention that if push comes to shove, we've got a solid public health system backing them anyway. That's basically my approach. I pay out of pocket for dental - was a few grand a couple of years back for a root canal - but otherwise make back the losses by just never going to a doctor for anything I get charged for (which so far has been nothing other than dental)
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Jan 1, 2021 14:32
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I got a low level of cover with medibank, paid it for like six months, realised that i would get a better deal if i just funnelled that same money into a new bank account, and tried to cancel it. They called up my wife, asked why we were cancelling, and then they cut us a sick deal. They rearranged what our cover was to something that suited us better, and halved what we pay, and we’ve been on it ever since. The plan’s not perfect, I still waste a bit of money on ‘alternative medicine’ cover each year, but I’ve got a good deal and won’t complain. I can dig up the numbers later if anybody is curious.
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Jan 1, 2021 14:33
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I took a piss whilst drinking a XXXX in boardies on the summit if Mt Kosciuszko.
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Jan 1, 2021 16:07
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I dont have private health, I don't think it should be a thing. I keep fit and eat healthy, turning 40 this year and I'm ahead of the game so far. I know it's a different proposition if you have kids though
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Jan 1, 2021 22:37
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I dropped it and then the MLS bit me in the rear end one year so just have the bare minimum and never use it. Seems whack.
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Jan 1, 2021 23:00
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Nam Taf posted:It really feels like it's at that tipping point where the MLS + lifetime health loading + rebate tiers for middle-income earners are just enough to make people bother with it, but if it keeps rising like it has over the last decade that very quickly won't be the case. And as soon as the exodus starts, the economics of providing cover for the 'value' they currently offer quickly becomes impossible. PancakeTransmission fucked around with this message at 23:14 on Jan 1, 2021 |
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Jan 1, 2021 23:07
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Lmao good luck getting comprehensive health coverage with a documented chronic illness. I had to put off getting a Braca gene screening while I was doing psychiatric inpatient therapy on my insurance because if I turned out to have the male tit cancer gene my payments would have tripled. Mrs turnbeug literally cannot get private hospital coverage with her thing, they just outright reject any application for anything other than extras
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Jan 1, 2021 23:17
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EoinCannon posted:I dont have private health, I don't think it should be a thing. I keep fit and eat healthy, turning 40 this year and I'm ahead of the game so far. I know it's a different proposition if you have kids though Or if your taxes hit a certain threshold its like .. well they force me to have it  it’s annoying but worth it once you hit a certain level.
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Jan 1, 2021 23:38
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Why not just pay the MLS and increase medicare's funds instead of making private health company richer?
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Jan 2, 2021 00:41
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stirlo posted:Or if your taxes hit a certain threshold its like .. well they force me to have it Yeah I probably wouldn't pay extra just on principle if my wife and I cracked 180k. That's not likely to happen anytime soon though
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Jan 2, 2021 00:50
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Flannelette posted:Why not just pay the MLS and increase medicare's funds instead of making private health company richer? gently caress! I willl look at canceling my private health now... I constantly max out my dental allowance each year cause my genes are poo poo and I grew up without fluoridated water (thanks QLD you motherfuckers) but it never comes close to covering what I pay in premiums. iRend posted:Listen to bigsofttitty.png the podcast with demi lardner and tom walker Hell yeah its good, got onto tom from watching truck streams. bigsofttitty.tiff is more of the same but even less filtered if that's at all possible. highly recommend
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Jan 2, 2021 01:12
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https://www.youtube.com/watch?v=ghhjDtqeWEY
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Jan 2, 2021 02:47
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Jan 2, 2021 03:48
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F
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Jan 2, 2021 04:15
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I dont believe in insurance, I consider it a form of gambling
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Jan 2, 2021 04:29
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Flannelette posted:Why not just pay the MLS and increase medicare's funds instead of making private health company richer? Paying for private health also helps Medicare.
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Jan 2, 2021 05:02
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Thanks for the input everyone. Think I'm just going to go for a not-for-profit. They all seem pretty similar.
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Jan 2, 2021 05:25
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About loving timequote:The New South Wales premier, Gladys Berejiklian, said she does not want to “restrict business activity, jobs or economic activity”, announcing new restrictions including mandatory masks, as seven new cases of community transmission of coronavirus were announced on Saturday. quote:New measures were announced for greater Sydney including Wollongong, the Central Coast and Blue Mountains. Face masks will be mandatory indoors at shopping centres, on public transport, in cinemas and theatres, places of worship, and in hair and beauty premises. Face masks will also be mandatory for all staff in hospitality venues and casinos and for patrons using gaming services.
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Jan 2, 2021 08:04
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Flannelette posted:Why not just pay the MLS and increase medicare's funds instead of making private health company richer? Because $2k < $6
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Jan 2, 2021 09:49
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Lolie posted:About loving time Guessing the ol beards gonna get a bit shaggier.
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Jan 2, 2021 10:15
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beards make it harder to wear a mask fyi
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Jan 2, 2021 10:30
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Suck it up you hairy princess cunts
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Jan 2, 2021 10:31
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i'm gay
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Jan 2, 2021 10:41
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I would blow Dane Cook posted:i'm gay Hi gay I'm dad
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Jan 2, 2021 10:53
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I would blow Dane Cook posted:i'm gay
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Jan 2, 2021 11:20
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I uh, am also gay
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Jan 2, 2021 11:20
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The man’s never had a gay in his life!!
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Jan 2, 2021 11:23
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I'm gay for gaytimes
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Jan 2, 2021 11:40
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I'm gay for Moleman.
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Jan 2, 2021 11:53
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bowmore posted:beards make it harder to wear a mask fyi If I want to look like there’s pubes hanging out the bottom of my mask then so be it. I know it doesn’t offer the perfect seal but it’s still better than not wearing a mask and copping a fine so I’m ok with it.
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Jan 2, 2021 12:16
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(Just buy a neck gaiter, and wear it over the mask) Beard doesn't annoy me as much as glasses, as I can't find a reliable solution that doesn't fog the poo poo out of my glasses.
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Jan 2, 2021 12:20
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| # ? May 29, 2024 01:37 |
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Dr. Garbanzo posted:If I want to look like there’s pubes hanging out the bottom of my mask then so be it. I know it doesn’t offer the perfect seal but it’s still better than not wearing a mask and copping a fine so I’m ok with it.
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Jan 2, 2021 12:52
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