Ok, perhaps I shouldn’t complain, as after all, I did wake up today, but I have always believed in ensuring I can afford to pay for private health care, since I was 18, and have always worked so that could happen. I’ve obviously been under many illusions. For example, for many years, when I was married to a doctor, when I could MOST afford the gaps, I was never charged them. Now, when I could really do with not paying the many gaps between what medicare or my private health care provider cover, they are exorbitant. And lately, when receiving treatment covered by my private health insurer, as I have been paying for it, it has felt more like a public health rebate service.
Sure, I can get an appointment when I want one with most medical services, except perhaps a specialist, but, if I don’t use one of the private insurance medical providers for the service, the gap is MUCH, MUCH higher. This has led me to wonder is it really private health insurance at all then, if I am financially penalised for wanting to choose my own service provider, e.g. a dentist, but who is not on their list?
No doubt this has been going on for many years, perhaps even forever, but I’m a bit slow and just twigged to it!! This does NOT encourage people to want to talk your private health insurance, and even for me, I am almost convinced I’ll head for Medicare only, and just pay the gaps of my chosen providers.
On top of that, I tried to get travel insurance last week, and found that because I attend a physiotherapist regularly to maintain my spine, which more than five years ago, I had multiple surgeries on, and which without maintenance, I would be much less mobile, if at all, I was penalised for looking after my health and denied insurance!
If I had ignored having treatment, and not kept myself as mobile and functional as possible, they would have given me travel insurance cover. What the…
Thanks for listening , if you are still here!!