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yummymummy 
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Joined: 01 January 1900
Location: Auckland
Points: 2161
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 Posted: 23 January 2007 at 7:50am |
I get the $1000 credit from Southern Cross but I'm glad I hadn't needed it so far - if you go to a specialist it would cost much much more. At this stage I'm planning on using mine to stay in a private room at Birthcare - the whole $1000 covers you for the 3 days private room stay 
If I end up staying in Akl hospital I won't get to use it for anything.
Bombshell is right - I think the reason insurance dosn't cover much is because pretty much all the pregnancy related stuff is free. But don't get me started on WINZ and the maternity payments - I can not understand why you don't get your normal pay for the 3 months! I bl**dy pay taxes on the whole thing don't I??? 
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Sarah Beth
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Joined: 01 January 1900
Points: 2405
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Posted: 23 January 2007 at 10:44am |
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the WINZ maternity pay out is worked out on the average income of NZers I believe, who earns that (or less than that) has me stumped, and I actually wonder if they include youth workers on youth rates as well.
As for specialist care, I think in cases like bombshells where it is required that it should be free. If you choose to have the care of a specialist sure you have to pay but when you have no choice I think it stinks!
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busymum
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Joined: 01 January 1900
Location: New Zealand
Points: 12236
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Posted: 23 January 2007 at 10:54am |
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The PTC amount hasn't changed in 4+ years... that's probably the biggest problem.
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Maya
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Joined: 16 September 2003
Location: Sydney
Points: 23297
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Posted: 23 January 2007 at 11:51am |
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You can get free obstetric care if you have complications or risks if you choose to go under a hospital team - you see the OB registrars mostly, and the OB consultants if you have any major issues. I had that choice with the twins, but even if I hadn't had insurance I would still have gone private because that was you get to see the consultant every time.
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 Maya Grace (28/02/03)
 (02/01/06)
The Gremlins:Sienna Marie & Mercedes Kailah (14/10/06)
Lil miss:Chiara Louise Chloe (09/07/08)
Her ladyship:Rosalia Sophie Anais (18/06/12)
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Sarah Beth
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Joined: 01 January 1900
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Posted: 23 January 2007 at 11:53am |
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ahhh I see, thanks Emma, didn't know that!
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mummy_becks
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Joined: 01 January 1900
Points: 14931
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Posted: 23 January 2007 at 12:35pm |
One reason to love health insurance go private and you see the person you want to see. I got to choose who did my endo op and I made sure that it was him I saw everytime - or I wouldn't pay anything  .
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I was a puree feeder, forward facing, cot sleeping, pram pushing kind of Mum... and my kids survived!
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Jennz
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Joined: 01 January 1900
Location: Wellington
Points: 1897
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Posted: 24 January 2007 at 8:51am |
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Soooo put bubs on your policy asap! We put DD on with one week to spare before the cut off. Because of her allergies we spend thousands on specialist care and it would of been an absolute nightmare if we hadn't of had it- I shudder to think! Plus even though under 5s are supposedly free whenever we took her to the Drs it still cost us $14 each time (and being the neurotic Mum I am we went often!) and I got $8 of that back, not much but it adds up.
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Jen, Charlotte 7 & Kate 3 
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miss
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Joined: 01 January 1900
Location: New Zealand
Points: 2547
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Posted: 24 January 2007 at 10:59am |
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What do you do about insurance for bubs if neither of the parents are under any insurance (so have no policy to add them to)? There was never any point for me going for private once I started working becasue my back and joint pain started at 13 and allergies and sinus started in my teens too, so I would have too many exclusions!
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Guests
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Posted: 24 January 2007 at 11:35am |
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I had awesome SC cover through work and i had been working and with SC for 2 years and they wouldnt cover obstetrics for me either it sucks!!!
They also told me i couldnt add my baby till she was 3 months old.
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Bombshell
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Joined: 01 January 1900
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Posted: 24 January 2007 at 7:51pm |
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yeah but try and get any sense out of the hospital team and what /who they are etc...we gave up trying with them and went to our specialist as a result...i think that is the method in their madness actually!!!
oh well $4000 and bubs has silver spoon in her mouth already...
oh yeah dont get me started on mat payments...they pay sooooo much less than my income it isnt even funny!!! Let alone taxing them then as well...ARGH!!!
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busymum
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Joined: 01 January 1900
Location: New Zealand
Points: 12236
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Posted: 24 January 2007 at 8:24pm |
That's the unfortunate thing Bombshell. PTC/maty payments are sortof "one for all" and a uni-qualified, 10 years experienced somebody is in a hugely different financial boat than a casual worker  *sighs*
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Rachael21
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Joined: 01 January 1900
Location: New Zealand
Points: 4700
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Posted: 28 January 2007 at 11:35am |
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We couldn't get the $1200 or the maternity leave payments as I wasn't working (student) and DP was on ACC and WINZ are really mean about people on ACC. DP was getting $250 a week and we were suppose to live off that paying $220 a week rent (Accomodation supplement of about $40). I ended up having to get $1000 on my student loan for course related costs so we could eat in the month before Jack was born. Ben went back to work about 8 weeks after Jack was born but it was too late to get the $1200.
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miss
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Joined: 01 January 1900
Location: New Zealand
Points: 2547
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Posted: 28 January 2007 at 2:20pm |
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That really sucks Rachael - doesn't seem fair at all. Mind you, that seems about right for government departments! I hope you can get something for this bubs!
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Great big rant about Southern Cross
