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 services does Frank cover you for?
Hospital - Pregnancy and IVF
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
Extras - Antenatal and Postnatal classes (from April 1, 2015)
Antenatal refers to service provided before having a baby and postnatal refers to services provided after having a baby (i.e. lactation consultations, breastfeeding classes provided by a midwife). The services provided are generally undertaken by a midwife but can also be taken by a physiotherapist and may include:
- Preparing for labour and birth
- Assisting with a baby that won't settle or breastfeed properly
Benefits can be claimed for sessions and courses provided by registered midwives or physiotherapists in a private practice. Antenatal classes must be billed separately from the hospital account and benefits are not payable for courses or sessions that are paid for by Medicare Australia.
These services only have a 2 month waiting period. You can claim either 50% or 80% back up to your $350 limit per calendar year.
You can use HICAPs to claim for these services. If the provider doesn't have this facility, you can claim online in your member area. Having trouble locating your provider? Get in touch and we'll help!
What isn't covered?
- 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.
Want more information?
What to Expect...
Week by Week – Better Health Channel Read More
Health Insite Read More
Pregnancy Birth & Baby Read More
Parental Leave Pay – Department of Human Services Read More
Baby Nursery checklist – Kidspot Read More
Pregnancy and Private Health Insurance
Obstetrics and Private Health Insurance – Private Health Insurance Ombudsman Read More
Waiting Periods – Privatehealth.gov.au Read More
The medical cost of having a baby – Kidspot Read More
Pregnancy Care Choices – Better Health Channel Read More
Do I need to change my diet?
Healthy Eating During Pregnancy – Nutrition Australia Read More
Healthy Eating when you’re pregnant or breastfeeding – EatForHealth.gov.au Read More
Pregnancy and Diet – Better Health Channel Read More
Foods to avoid – Pregnancy Birth & Baby Read More
Should you drink during pregnancy? – Drink Wise Australia Read More
So now you’ve had the baby…
Raising Children Network Read More
Safe Sleep Space Read More
Sids and Kids Read More
Returning to work
Supporting Working Parents: Pregnancy and Return to Work National Review – Australian Human Rights Commission Read More
Returning to work – Fair Work Ombudsman Read More
Back to work post maternity leave: How new mothers can manage their return – Women’s Agenda Read More
Back to work after baby – Body & Soul mums Read More
Baby Name Meaning – Huggies Read More
Due date calculator Read More
Frank Health Insurance is sharing this information to assist members during and after their pregnancy, but does not take any responsibility for advice or actions taken from the above mentioned websites.