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Insurance
Insurance
I don't think we have quite the same limitations on insurance in Australia as there seems to be in America (..although they're certainly seeming to lean in the same direction ..). My parents were able to buy a life insurance policy for me, despite my condition and surgeries..... however, this was quite a number of years ago, so things could well have changed since then!!
I've been tossing up whether or not to get medical insurance. Because I'm not working I can't see how I can afford AU$1300+ p/y, and considering Medicare will cover all my costs it seems I could definitely use the extra money for other things (..like food & rent!..). The only bonuses would be having a private room and my choice of surgeon when surgery is finally due, but being OHS, I don't imagine there's TOO many surgeons to choose from anyway. Otherwise, it seems like an awful lot of money to spend for very little benefit - especially since you're not able to make a claim in the first 12 months, so there's a $1300 "cover charge" right off the bat!
Yolanda -
I think it was someone here that wrote the following, but I thought it was really appropriate for you (..and I'm quoting from memory here....)
Kids will find their own limits and won't push themselves beyond them.
I thought this was so spot-on! We so often forget how resiliant kids can be. I hope the chat with your doctor on Monday will help your decision.
Cheers
Anna : )
Insurance
I don't think we have quite the same limitations on insurance in Australia as there seems to be in America (..although they're certainly seeming to lean in the same direction ..). My parents were able to buy a life insurance policy for me, despite my condition and surgeries..... however, this was quite a number of years ago, so things could well have changed since then!!
I've been tossing up whether or not to get medical insurance. Because I'm not working I can't see how I can afford AU$1300+ p/y, and considering Medicare will cover all my costs it seems I could definitely use the extra money for other things (..like food & rent!..). The only bonuses would be having a private room and my choice of surgeon when surgery is finally due, but being OHS, I don't imagine there's TOO many surgeons to choose from anyway. Otherwise, it seems like an awful lot of money to spend for very little benefit - especially since you're not able to make a claim in the first 12 months, so there's a $1300 "cover charge" right off the bat!
Yolanda -
I think it was someone here that wrote the following, but I thought it was really appropriate for you (..and I'm quoting from memory here....)
Kids will find their own limits and won't push themselves beyond them.
I thought this was so spot-on! We so often forget how resiliant kids can be. I hope the chat with your doctor on Monday will help your decision.
Cheers
Anna : )