Has anyone had issues re private health cover with twins

[pippin]

Hi

I'm currently with Medibank Private and was wondering if anyone who has single cover had to change to Single Family Cover/ or Family Cover after there twins were born. I think my first twin will be under my cover (Single) but I think the 2nd twin is classed as a seperate pt therefore admitted to hospital even if this twin doesn't need special care. I


I would like to stay on Single cover with both twins if they don't require extra care eg special care, Operations or intensive care but I'm worried I will get a bill for thousands of dollars from the hospital for my 2nd twin that may not be cover under my current single cover.

Your advice is most welcome

cheers Pip

[Cherished]

HI, I am not pregnant yet... on the 2 week wait for our first baby so fingers crossed... But I looked into the private health in depth to make sure I was on the right cover to have the baby (babies hopefully... we want twin boys lol) at Selangor on the sunshine coast.

I am with AHM however Selangor told me that unless there is a complication the baby/babies will not even be classified as being admitted. I think with AHM in order to get the private hospital cover you need to be on Family or top hospital anyway which would cover more than one person/babies??? My advise is to check with your health fund way before you are due as we needed to be in the family hospital cover for 12 months before we were covered for the private hospital... Hope that helps you

OH... I was also told that if there were complications and there would be a big bill (like you are worried about) you an always opt to be transferd to a public hospital

[diva det]

Hey there
congrats on your twin preg!
I am with medibank private and YES you will have to swap over to family cover to ensure that the 2nd twin is covered. The second twin is not covered under singles cover!!!
Definately worth doing- my two were in hossy, NICU/special care for 33 days and the total bill that medibank covered- including 2 NETS ambo rides for one of my twins was over $120,000.00!!! and that was 6 years ago!!!

Dont get left short- sign up for family cover- even if it is until your twins are born and you are home!!
HTH
good luck
Odette

[ktgirl]

Definately worth doing- my two were in hossy, NICU/special care for 33 days and the total bill that medibank covered- including 2 NETS ambo rides for one of my twins was over $120,000.00!!! and that was 6 years ago!!!
Odette

That is a lot of money thank goodness you were covered.

I am with MBF and have family cover. My twins were born at 38 weeks so were not admitted to special care, they just came back to my room with me. However I had to pay an excess for my twin 2 (which I was not too happy about mind you ) I think it would be wise to have the cover in case your twins need to go to special care.

[happymel]

I had single cover and then swapped over to single parent family after the twins were born. DH is in the navy so therefore does not need private health. We werent out of pocket any money when they were born. They were private patients in a pub hosp, as was I. I only had to pay for my excess. Then i swapped them on to a family cover about three weeks after they were born.
I was in hosp for at least 15 days, and the bubs for almost 3 weeks in SCN, the bill came to thousands but i paid none.
Mel

[luua]

Hi there,

We are expecting twins as well. We decided that we'd go public with this pregnancy as it means that medicare pays for what we need.

Because you are expecting twins you will get priority. Probably your own room if you go public. Speak to the hospital they offered us great advice and put it all in perspective in terms of the most cost effective option.

Good luck

Ann

[luua]

oops posted twice