Health insurance and pregnancy
Frank understands that having a baby is an exciting time in anyone’s life. But it can also leave you with many unanswered questions. Knowing where to start and having a good plan can put your mind at ease and increase your chances of having a healthy pregnancy.
Frank wants to help and has put together some tips and explanations on things you should know pre, during and post pregnancy.
Which Pregnancy services does Frank cover you for?
Frank, like other private health insurers can cover you for Pregnancy & IVF related services. Medicare also covers some of the costs. Unless you remove the pregnancy cover, Frank’s Best Hospital covers:
- Medical procedures including; specialists fees, anaesthetic fees and some other hospital charges (whilst you’re an inpatient)
- Hospital charges such as accommodation & delivery suite
- Medical Gap
- The choice to stay as a private patient in a private or public hospital (if you are on Frank’s Basic Hospital cover, your hospital costs are covered by Frank for a shared room accommodation in a public hospital only)
- Your choice of Obstetrician for the labour
What isn’t covered by private health insurance?
- Medications for IVF
- Visits to your GP
- Obstetricians appointments before the birth
- Any procedures done in the doctor’s rooms, (unless performed as an inpatient in hospital).
- Ultrasounds, blood tests & other tests (unless performed as an inpatient in hospital)Most ante-natal classes
Some of the above services will be partially covered by Medicare.
What's covered and what's not is explained on Frank's Best Hospital cover page.
- Keep in mind there’s a 12 month waiting period for all pregnancy & IVF related services. You don’t need to wait 12 months to fall pregnant- just as long as the due date of the baby is after this 12 month period, you’ll be covered. That means you still need to take out pregnancy cover at least 3 months prior to falling pregnant. So if you’re thinking of having a baby, make sure you’re on Best Hospital (with pregnancy) in advance!
- To ensure your baby is covered by private health insurance straight away you need to ensure you are on a family or single parent policy at least two months prior to the due date of the baby.
- Frank can’t pay benefits for any outpatient services received e.g. consultations with your doctors or any planning and management fees related to your pregnancy.
- If your baby is due just outside your waiting periods, provide Frank with a letter from your obstetrician stating your due date. As long as the due date is after your waiting period, you’ll be covered (even if the baby arrives early).
- For more information about how much Frank will pay contact us with the medical item numbers given to you by your doctor/s.
As with all of Frank’s covers...
- You will have to pay an excess when admitted to hospital
- Waiting Periods apply, unless you have already served them.
- There may be out of pocket expenses in relation to your doctors, such as your obstetrician, pathologist, anaesthetist etc. Make sure you check with them before your hospital visit to confirm if what you’ll need to pay.