As you may know, private hospital insurance covers most of your baby's birth. On average, you might find yourself claiming around $7000 - but in some cases if special neo-natal care is needed it could be closer to $20,000.
Doctors and hospital bills
As a rule, doctors and hospitals bill separately, so you'll usually find that you get a few separate bills. Most doctors send their bills directly to us; we liaise with Medicare and then pay the combined HBF and Medicare benefit to the doctor. If there is a gap, the doctor will then send out a separate bill directly to you.
The hospital will also bill us directly for things like accommodation and theatre fees. There aren't usually gaps for theatre fees for maternity stays.
You'll also have costs for your obstetrician visits and ultrasounds before the birth. These are just like your normal doctor's bills, which you claim directly through Medicare. This is because private health insurers can only cover medical treatment you receive when you're admitted to a hospital as a patient.
The billing process
The billing process varies. For more information on maternity cover billing call us on 133 423 before you go into hospital, or ask for an HBF hospital liaison officer to visit you in hospital.