Also keep in mind that alot of PHI companies have waiting periods. It could be 12mths for O n G and some extras. Also when they have a flexi bonus they will only pay on that on some services. Very confusing. They don't pay alot on alot of things like podiatrist, and so on, you need to do your homework on that one. Even go as far as get the item numbers the practitioner uses for the service and ask the PHI what they would pay on that service.
I have PHI and have gone private for all my O n G stuff. Hospital has cost me only the $250 excess and that's it for the whole stay. As everyone else has mentioned most of the out of hospital has been through Medciare.
I don't have to pay the excess for when one of kids is admitted to Hospital, this has come in very handy as my DS2 has had two lots of grometts, and adenoids removed and is about to go in for another procedure of Friday and the Hospital part is not costing me anything.
If I didn't have PHI I could have been on public waiting list for a very long time with him.
I would say we are in front.