- Frank + health.com.au
- How do I check my limits?
- Cover review
- Updating your details
- What am I covered for?
- Coronavirus FAQ's
- How we're supporting you during coronavirus
- The value of private health insurance in a pandemic
- Adding or removing people from your account
- Authorising another person on your cover
- Pre-existing conditions
- Suspending your cover
- Waiting periods explained
- Private health insurance reforms
- Gap in cover
- Ambulance explained
- Ante/Post Natal Services
- Dental Explained
- Extras limits explained
- Health Appliances
- Health Screening
- HICAPS & HealthPoint explained
- How does extras cover work?
- Natural Therapies
- Non PBS prescriptions
- Optical explained
- Set Benefits FAQ
- Telehealth Benefits
- Travel vaccines
- What is health maintenance?
- Emergency Department Fees
- Going to Hospital
- Hospital Added Costs
- Insulin Pumps
- IVF & assisted reproductive services
- LHC exemptions
- Public vs. Private
- Restrictions & Exclusions
- Understanding out of pockets
- What is an excess?
- What is LHC?
- What is the MBS?
- Where does Medicare fit in?
- Transcranial Magnetic Stimulation (TMS) Pilot
- Mental Health Waiver
- Entry Hospital
- Annual premium review
- Can I lock in my premium?
- I can’t use my cover like I used to...
- What if my cover is currently suspended?
- Where do my premiums go?
- Why does my premium change every year?
- Why does my premium change, if I rarely make claims?
- Why is my price change different to the national average percentage?
- 3 ways to save money on your health insurance.
Public vs. Private
Private vs Public
If you’re deciding whether to go public or private for your upcoming hospital visit, there are quite a few differences between the two types of facilities and experiences.
Choosing to be admitted as a private patient can yield some great advantages over going public, especially if you need your surgery done in a timely manner.
Firstly, opting to go privately (and holding private health insurance in general) will allow you access to a large number of private hospitals across Australia, as well as the ability to be referred to surgeons/specialists that only work within the private sector, and do not see public patients.
The experience in a private hospital is generally considered to be of a higher standard than that of a public hospital, and the likelihood of being put in a private room is far higher in a private hospital than a public one.
The other big advantage to going privately is the ability to avoid the public waiting lists, and be admitted at a time that suits you. Often, the public waiting lists (especially for major surgeries) can take months or even years depending on the procedure needing to be performed, which means you may be forced to wait and endure the symptoms of your ailment for far longer than expected.
So if I choose to go public instead, what’s difference does it make?
Going publicly for your admission does yield some major differences to going privately, and may (depending on the circumstance), be preferred to going privately.
One difference that is often highlighted when it comes to using the public system over being admitted privately is the cost. Being admitted into a public hospital as a public patient does not incur an excess to be paid, and the accommodation is fully covered under Medicare. However, in most circumstances, you will not have a choice which ward you’re placed in, and where your bed is situated for the length of your stay.
Can I go privately in a public hospital?
Yes, you can. If you hold private health insurance and you’re covered for the surgery/ailment in question, you can opt to go privately and pay your excess as a public hospital.
Also, if you are offered or would like a private room (in a public hospital as a private patient), it is important to ask if there will be any out of pocket costs involved. As of October 21st 2019, health.com.au no longer covers the full cost of private rooms in a public hospital. We will pay for a portion of the cost of a private room, and you will need to check with the hospital directly what the out of pocket costs will be as these fee’s will differ hospital to hospital.If you prefer to be fully covered for a private room we suggest being admitted into a private hospital, providing that you are covered for private hospital admissions.