Guest guest Posted February 24, 2002 Report Share Posted February 24, 2002 Sue, Imagine a system where you (or your employer) pay hundreds of dollars every month so that the insurer covers your potential medical costs--after a sizeable deductible; dictates what it covers (similar to your public system's restrictions), then negotiates its rates with the medical profession. What we get is, if you have insurance (we're self-employed, so it's privately purchased), and for instance you go for labs, the bill comes for $130 lets say, then the insurance statement comes and says it's negotiated rate with the lab is $29 so pay only that. Or, since my husband's an acupuncturist/herbalist--the insurance companies negotiate with the acupuncturists as a group (usually an association's membership), and have a set per-visit fee that's unrealistically low and then the insured pays a " copay " of maybe $10, and the practitioner has to eat the rest of his costs, or raise his rates for everyone else to cover the difference. So the actual health care provider doesn't get enough to pay for his time, the person with insurance pays through the nose--and the insurer pockets most of the money, which then (supposedly) is " pooled " to pay for the cost of the expensive hospital care of the most ill members of the group. And, if you don't have insurance you don't have the insurance company negotiating low rates for you so you pay the inflated " full cost " --which is inflated to make up for the low payment from insurance. In other words, we have a big mess, sort of like socialism at its most corrupt. Oh--and if you have a " preexisting condition " it's hard to switch insurers, and have that condition covered. On the other hand, unlike Canada where it's a state plan and you simply can't get appropriate care, at least here you can find doctors to see, and fire the bad ones. Terry > > Reply-To: graves_support > Date: Mon, 25 Feb 2002 07:34:49 +1100 > To: graves_support > Subject: Re: Re: Support group in Australia > > Hi Terry > We have the Medicare system. In fact I have a brochure here in front of me > and this is what it says: > Medicare ensures that all Australians have access to free or low-cost > medical, optometrical and hospital care while being free to choose private > health services. > > Medicare provides: > * free treatment as a public (Medicare) patient in a public hospital; and > * free or subsidised treatment by doctors, including specialists, > participating optometrists and dentists (for specified services only). > > Australia's public hospital system is jointly funded by the Commonwealth > and State/Territory Governments and is administered by State and Territory > health departments. > > Out of hospital services > Medicare provides benefits for: > * consultation fees for doctors, including specialists; > * tests and examinations by doctors needed to treat illnesses, including > x-rays and pathology tests; > * eye tests performed by optometrists; > * most surgical procedures performed by approved dentists;and > * specified items under the Cleft Lip and Palate Scheme > > Whats not covered by Medicare: > * private patient hospital costs (eg theatre fees or accomodation) > * dental examinations and treatment > * ambulance services > * home nursing > * physiotherapy, occupational therapy, speech pathology, eye therapy, > chiropractic services, podiatry and psychology; > * acupuncture (unless part of a doctor's consultation) > * glasses and contact lenses; > * hearing aids and other appliances; > * the costs of prostheses; > * medicines (except for the subsidy on medicines covered by the PBS - Pay > Back System); > * medical and hospital costs incured overseas; > * medical costs for which someone else is responsible(eg. a compensation > insurer, an employer,a government or government authority); > * medical services which are not clinically necessary; > * surgery solely for cosmetic reasons; and > * examinations for life insurance, sperannuation or membership of a > friendly society. > These services may be covered by private health insurance. > > In the area I live we ONLY have public hospitals. So to have private > hospital cover in our area is not worth it. However I do have private > health cover have been paying it for years and (fingers crossed) have never > had to use it. I might add here, if you arrive at a public hospital and you > are a emergency you get the immediate treatment to save you life and this > does not cost you. It is covered by Medicare. The thing is you have the > doctors that are there, not your regular doctor. But hey, if your life > was in the balance, I'd want whoever was there! <grin> > > Hope this explains it in full. Now its your turn, I'd truly like to hear > about your health system. > Sue > > Terry wrote: >> Sue, >> >> How does yours work? >> >> Terry >> >>> <> > > > > > ------------------------------------- > The Graves' list is intended for informational purposes only and is not > intended to replace expert medical care. > Please consult your doctor before changing or trying new treatments. > ---------------------------------------- > DISCLAIMER > > Advertisments placed on this yahoo groups list does not have the endorsement > of > the listowner. I have no input as to what ads are attached to emails. > ------------------------------------------------------------------------------ > -------- > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 24, 2002 Report Share Posted February 24, 2002 Sue, Imagine a system where you (or your employer) pay hundreds of dollars every month so that the insurer covers your potential medical costs--after a sizeable deductible; dictates what it covers (similar to your public system's restrictions), then negotiates its rates with the medical profession. What we get is, if you have insurance (we're self-employed, so it's privately purchased), and for instance you go for labs, the bill comes for $130 lets say, then the insurance statement comes and says it's negotiated rate with the lab is $29 so pay only that. Or, since my husband's an acupuncturist/herbalist--the insurance companies negotiate with the acupuncturists as a group (usually an association's membership), and have a set per-visit fee that's unrealistically low and then the insured pays a " copay " of maybe $10, and the practitioner has to eat the rest of his costs, or raise his rates for everyone else to cover the difference. So the actual health care provider doesn't get enough to pay for his time, the person with insurance pays through the nose--and the insurer pockets most of the money, which then (supposedly) is " pooled " to pay for the cost of the expensive hospital care of the most ill members of the group. And, if you don't have insurance you don't have the insurance company negotiating low rates for you so you pay the inflated " full cost " --which is inflated to make up for the low payment from insurance. In other words, we have a big mess, sort of like socialism at its most corrupt. Oh--and if you have a " preexisting condition " it's hard to switch insurers, and have that condition covered. On the other hand, unlike Canada where it's a state plan and you simply can't get appropriate care, at least here you can find doctors to see, and fire the bad ones. Terry > > Reply-To: graves_support > Date: Mon, 25 Feb 2002 07:34:49 +1100 > To: graves_support > Subject: Re: Re: Support group in Australia > > Hi Terry > We have the Medicare system. In fact I have a brochure here in front of me > and this is what it says: > Medicare ensures that all Australians have access to free or low-cost > medical, optometrical and hospital care while being free to choose private > health services. > > Medicare provides: > * free treatment as a public (Medicare) patient in a public hospital; and > * free or subsidised treatment by doctors, including specialists, > participating optometrists and dentists (for specified services only). > > Australia's public hospital system is jointly funded by the Commonwealth > and State/Territory Governments and is administered by State and Territory > health departments. > > Out of hospital services > Medicare provides benefits for: > * consultation fees for doctors, including specialists; > * tests and examinations by doctors needed to treat illnesses, including > x-rays and pathology tests; > * eye tests performed by optometrists; > * most surgical procedures performed by approved dentists;and > * specified items under the Cleft Lip and Palate Scheme > > Whats not covered by Medicare: > * private patient hospital costs (eg theatre fees or accomodation) > * dental examinations and treatment > * ambulance services > * home nursing > * physiotherapy, occupational therapy, speech pathology, eye therapy, > chiropractic services, podiatry and psychology; > * acupuncture (unless part of a doctor's consultation) > * glasses and contact lenses; > * hearing aids and other appliances; > * the costs of prostheses; > * medicines (except for the subsidy on medicines covered by the PBS - Pay > Back System); > * medical and hospital costs incured overseas; > * medical costs for which someone else is responsible(eg. a compensation > insurer, an employer,a government or government authority); > * medical services which are not clinically necessary; > * surgery solely for cosmetic reasons; and > * examinations for life insurance, sperannuation or membership of a > friendly society. > These services may be covered by private health insurance. > > In the area I live we ONLY have public hospitals. So to have private > hospital cover in our area is not worth it. However I do have private > health cover have been paying it for years and (fingers crossed) have never > had to use it. I might add here, if you arrive at a public hospital and you > are a emergency you get the immediate treatment to save you life and this > does not cost you. It is covered by Medicare. The thing is you have the > doctors that are there, not your regular doctor. But hey, if your life > was in the balance, I'd want whoever was there! <grin> > > Hope this explains it in full. Now its your turn, I'd truly like to hear > about your health system. > Sue > > Terry wrote: >> Sue, >> >> How does yours work? >> >> Terry >> >>> <> > > > > > ------------------------------------- > The Graves' list is intended for informational purposes only and is not > intended to replace expert medical care. > Please consult your doctor before changing or trying new treatments. > ---------------------------------------- > DISCLAIMER > > Advertisments placed on this yahoo groups list does not have the endorsement > of > the listowner. I have no input as to what ads are attached to emails. > ------------------------------------------------------------------------------ > -------- > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 24, 2002 Report Share Posted February 24, 2002 Hi Jody This is something I'm NOT familiar with. I have never required medication really up until now. But I can tell you what I do know. If you are on a pension or healthcare card (don't earn enough or are on government benefits)you get all your meds at a low rate around the $2.00 to $3.00 mark. Same goes for doctor visits. If the medicine is Government subsidised then it is cheaper than when it wasn't. EG. Some medication my friends husband is taking costs him about $160.00 per month, well once it goes on the Government subsities list, it will cost half that. My ATD for a four week supply cost me $22.40. Your dollars thats about $44.00 US. Oh almost forgot there is a safety net. Explanation: A wide range of necessary medicines is subsidised through the Pharmaceutical Benefits Scheme (PBS). Overall the Commonweatlth Government pays more than 84% of the cost of many PBS medicines. These subsidies are available to all Australian residents. The safety Net finacially protects people who need a lot of prescription medicines. Once you have reached the Safety Net threshold your PBS (Pharmaceutical Benefits Scheme) medicines are cheaper or, for concessional patients, free, for the rest of the calendar year. I got given the information on this when I picked up my medication. But wait, I have to have 26 on the card before reaping the benefits. I have two. LOL But for those on lots of drugs, I guess this helps. Sue At 04:36 PM 24/02/2002 -0500, you wrote: > Hi Sue, > What are the cost of drugs > over there...I know our thyroid > dru are not that expensive but am > wondering about others. > > For us, >hubby > In hospital is > covered at 100%, doctor appts. $15.00 co-pay, >labs - $10.00 co-pay, ER > service if not admitted is a $50.00 co-pay, >X-rays - $15.00 co-pay. > Prescriptions: generic, $15.00 co-pay > > name brand $30.00 co-pay > > These are for 3 month supplies by >mail...to fill locally it is $20.00 month > regardless of generic or name >brand...including my thyroid meds which > altogether run about $17.00 for >4 of them...so I get them filled at a > This is a cheat on > the system in my opinion. > > We are fortunate in that my husband is considered an *old-timer* where he > Anyone else hired there > in the last 5 years pays $10.00 a week single and $20.00 a week family and > our deductible is $1200.00 family, $600.00 single. This is paid out of > My doctors are all in our plan so it > makes it easy, if they weren't, I would have to pay everything out of pocket > and wait for the insurance company to reimburse me. > > That is our policy for now, when hubby retires, we will carry a portion of > what we have no, plus our medicare, which, at this time, I know nothing > about. > > There are so many different ways insurances run in this country, no one > Hope this gives you an idea of one kind of > policy here...others have different coverage and most pay astronomical > monthly fees for their coverage. > Jody > > > > _________________________________________________________________ > Send and receive Hotmail on your mobile device: http://mobile.msn.com > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 24, 2002 Report Share Posted February 24, 2002 Hi Jody This is something I'm NOT familiar with. I have never required medication really up until now. But I can tell you what I do know. If you are on a pension or healthcare card (don't earn enough or are on government benefits)you get all your meds at a low rate around the $2.00 to $3.00 mark. Same goes for doctor visits. If the medicine is Government subsidised then it is cheaper than when it wasn't. EG. Some medication my friends husband is taking costs him about $160.00 per month, well once it goes on the Government subsities list, it will cost half that. My ATD for a four week supply cost me $22.40. Your dollars thats about $44.00 US. Oh almost forgot there is a safety net. Explanation: A wide range of necessary medicines is subsidised through the Pharmaceutical Benefits Scheme (PBS). Overall the Commonweatlth Government pays more than 84% of the cost of many PBS medicines. These subsidies are available to all Australian residents. The safety Net finacially protects people who need a lot of prescription medicines. Once you have reached the Safety Net threshold your PBS (Pharmaceutical Benefits Scheme) medicines are cheaper or, for concessional patients, free, for the rest of the calendar year. I got given the information on this when I picked up my medication. But wait, I have to have 26 on the card before reaping the benefits. I have two. LOL But for those on lots of drugs, I guess this helps. Sue At 04:36 PM 24/02/2002 -0500, you wrote: > Hi Sue, > What are the cost of drugs > over there...I know our thyroid > dru are not that expensive but am > wondering about others. > > For us, >hubby > In hospital is > covered at 100%, doctor appts. $15.00 co-pay, >labs - $10.00 co-pay, ER > service if not admitted is a $50.00 co-pay, >X-rays - $15.00 co-pay. > Prescriptions: generic, $15.00 co-pay > > name brand $30.00 co-pay > > These are for 3 month supplies by >mail...to fill locally it is $20.00 month > regardless of generic or name >brand...including my thyroid meds which > altogether run about $17.00 for >4 of them...so I get them filled at a > This is a cheat on > the system in my opinion. > > We are fortunate in that my husband is considered an *old-timer* where he > Anyone else hired there > in the last 5 years pays $10.00 a week single and $20.00 a week family and > our deductible is $1200.00 family, $600.00 single. This is paid out of > My doctors are all in our plan so it > makes it easy, if they weren't, I would have to pay everything out of pocket > and wait for the insurance company to reimburse me. > > That is our policy for now, when hubby retires, we will carry a portion of > what we have no, plus our medicare, which, at this time, I know nothing > about. > > There are so many different ways insurances run in this country, no one > Hope this gives you an idea of one kind of > policy here...others have different coverage and most pay astronomical > monthly fees for their coverage. > Jody > > > > _________________________________________________________________ > Send and receive Hotmail on your mobile device: http://mobile.msn.com > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 24, 2002 Report Share Posted February 24, 2002 THanks for sharing Terry. I know that it all sounds complicated, but at the moment here in Australia, all insurers cover all doctors and hospitals. And I might add, no negotiating. Yeks, think we'll stick with our system. Sue At 03:28 PM 24/02/2002 -0800, you wrote: > Sue, > > Imagine a system where you (or your employer) pay hundreds of >dolls every > month so that the insurer covers your potential medical >costs--after a > sizeable deductible; dictates what it covers (similar to >your public > system's restrictions), then negotiates its rates with the >medical > profession. What we get is, if you have insurance (we're >self-employed, so > it's privately purchased), and for instance you go for >labs, the bill comes > for $130 lets say, then the insurance statement >comes and says it's > negotiated rate with the lab is $29 so pay only that. >Or, since my husband's > an acupuncturist/herbalist--the insurance companies negotiate with the > acupuncturists as a group (usually an association's membership), and have a > set per-visit fee that's unrealistically low and then the insured pays a > " " of maybe $10, and the practitioner has to eat the rest of his costs, > or raise his rates for everyone else to cover the difference. So the actual > health care provider doesn't get enough to pay for his time, the person with > insurance pays through the nose--and the insurer pockets most of the money, > " " to pay for the cost of the expensive > hospital care of the most ill members of the group. And, if you don't have > insurance you don't have the insurance company negotiating low rates for you > " " --which is inflated to make up for the > low payment from insurance. > > In other words, we have a big mess, sort of like socialism at its most > " " it's hard to switch > insurers, and have that condition covered. > > On the other hand, unlike Canada where it's a state plan and you simply > can't get appropriate care, at least here you can find doctors to see, and > fire the bad ones. > > Terry Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 24, 2002 Report Share Posted February 24, 2002 THanks for sharing Terry. I know that it all sounds complicated, but at the moment here in Australia, all insurers cover all doctors and hospitals. And I might add, no negotiating. Yeks, think we'll stick with our system. Sue At 03:28 PM 24/02/2002 -0800, you wrote: > Sue, > > Imagine a system where you (or your employer) pay hundreds of >dolls every > month so that the insurer covers your potential medical >costs--after a > sizeable deductible; dictates what it covers (similar to >your public > system's restrictions), then negotiates its rates with the >medical > profession. What we get is, if you have insurance (we're >self-employed, so > it's privately purchased), and for instance you go for >labs, the bill comes > for $130 lets say, then the insurance statement >comes and says it's > negotiated rate with the lab is $29 so pay only that. >Or, since my husband's > an acupuncturist/herbalist--the insurance companies negotiate with the > acupuncturists as a group (usually an association's membership), and have a > set per-visit fee that's unrealistically low and then the insured pays a > " " of maybe $10, and the practitioner has to eat the rest of his costs, > or raise his rates for everyone else to cover the difference. So the actual > health care provider doesn't get enough to pay for his time, the person with > insurance pays through the nose--and the insurer pockets most of the money, > " " to pay for the cost of the expensive > hospital care of the most ill members of the group. And, if you don't have > insurance you don't have the insurance company negotiating low rates for you > " " --which is inflated to make up for the > low payment from insurance. > > In other words, we have a big mess, sort of like socialism at its most > " " it's hard to switch > insurers, and have that condition covered. > > On the other hand, unlike Canada where it's a state plan and you simply > can't get appropriate care, at least here you can find doctors to see, and > fire the bad ones. > > Terry Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 24, 2002 Report Share Posted February 24, 2002 Way to go Terry! Have you thought about sending this to a stand-up? Laurel Re: Re: Support group in Australia > > Hi Terry > We have the Medicare system. In fact I have a brochure here in front of me > and this is what it says: > Medicare ensures that all Australians have access to free or low-cost > medical, optometrical and hospital care while being free to choose private > health services. > > Medicare provides: > * free treatment as a public (Medicare) patient in a public hospital; and > * free or subsidised treatment by doctors, including specialists, > participating optometrists and dentists (for specified services only). > > Australia's public hospital system is jointly funded by the Commonwealth > and State/Territory Governments and is administered by State and Territory > health departments. > > Out of hospital services > Medicare provides benefits for: > * consultation fees for doctors, including specialists; > * tests and examinations by doctors needed to treat illnesses, including > x-rays and pathology tests; > * eye tests performed by optometrists; > * most surgical procedures performed by approved dentists;and > * specified items under the Cleft Lip and Palate Scheme > > Whats not covered by Medicare: > * private patient hospital costs (eg theatre fees or accomodation) > * dental examinations and treatment > * ambulance services > * home nursing > * physiotherapy, occupational therapy, speech pathology, eye therapy, > chiropractic services, podiatry and psychology; > * acupuncture (unless part of a doctor's consultation) > * glasses and contact lenses; > * hearing aids and other appliances; > * the costs of prostheses; > * medicines (except for the subsidy on medicines covered by the PBS - Pay > Back System); > * medical and hospital costs incured overseas; > * medical costs for which someone else is responsible(eg. a compensation > insurer, an employer,a government or government authority); > * medical services which are not clinically necessary; > * surgery solely for cosmetic reasons; and > * examinations for life insurance, sperannuation or membership of a > friendly society. > These services may be covered by private health insurance. > > In the area I live we ONLY have public hospitals. So to have private > hospital cover in our area is not worth it. However I do have private > health cover have been paying it for years and (fingers crossed) have never > had to use it. I might add here, if you arrive at a public hospital and you > are a emergency you get the immediate treatment to save you life and this > does not cost you. It is covered by Medicare. The thing is you have the > doctors that are there, not your regular doctor. But hey, if your life > was in the balance, I'd want whoever was there! <grin> > > Hope this explains it in full. Now its your turn, I'd truly like to hear > about your health system. > Sue > > Terry wrote: >> Sue, >> >> How does yours work? >> >> Terry >> >>> <> > > > > > ------------------------------------- > The Graves' list is intended for informational purposes only and is not > intended to replace expert medical care. > Please consult your doctor before changing or trying new treatments. > ---------------------------------------- > DISCLAIMER > > Advertisments placed on this yahoo groups list does not have the endorsement > of > the listowner. I have no input as to what ads are attached to emails. > ------------------------------------------------------------------------------ > -------- > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 24, 2002 Report Share Posted February 24, 2002 Way to go Terry! Have you thought about sending this to a stand-up? Laurel Re: Re: Support group in Australia > > Hi Terry > We have the Medicare system. In fact I have a brochure here in front of me > and this is what it says: > Medicare ensures that all Australians have access to free or low-cost > medical, optometrical and hospital care while being free to choose private > health services. > > Medicare provides: > * free treatment as a public (Medicare) patient in a public hospital; and > * free or subsidised treatment by doctors, including specialists, > participating optometrists and dentists (for specified services only). > > Australia's public hospital system is jointly funded by the Commonwealth > and State/Territory Governments and is administered by State and Territory > health departments. > > Out of hospital services > Medicare provides benefits for: > * consultation fees for doctors, including specialists; > * tests and examinations by doctors needed to treat illnesses, including > x-rays and pathology tests; > * eye tests performed by optometrists; > * most surgical procedures performed by approved dentists;and > * specified items under the Cleft Lip and Palate Scheme > > Whats not covered by Medicare: > * private patient hospital costs (eg theatre fees or accomodation) > * dental examinations and treatment > * ambulance services > * home nursing > * physiotherapy, occupational therapy, speech pathology, eye therapy, > chiropractic services, podiatry and psychology; > * acupuncture (unless part of a doctor's consultation) > * glasses and contact lenses; > * hearing aids and other appliances; > * the costs of prostheses; > * medicines (except for the subsidy on medicines covered by the PBS - Pay > Back System); > * medical and hospital costs incured overseas; > * medical costs for which someone else is responsible(eg. a compensation > insurer, an employer,a government or government authority); > * medical services which are not clinically necessary; > * surgery solely for cosmetic reasons; and > * examinations for life insurance, sperannuation or membership of a > friendly society. > These services may be covered by private health insurance. > > In the area I live we ONLY have public hospitals. So to have private > hospital cover in our area is not worth it. However I do have private > health cover have been paying it for years and (fingers crossed) have never > had to use it. I might add here, if you arrive at a public hospital and you > are a emergency you get the immediate treatment to save you life and this > does not cost you. It is covered by Medicare. The thing is you have the > doctors that are there, not your regular doctor. But hey, if your life > was in the balance, I'd want whoever was there! <grin> > > Hope this explains it in full. Now its your turn, I'd truly like to hear > about your health system. > Sue > > Terry wrote: >> Sue, >> >> How does yours work? >> >> Terry >> >>> <> > > > > > ------------------------------------- > The Graves' list is intended for informational purposes only and is not > intended to replace expert medical care. > Please consult your doctor before changing or trying new treatments. > ---------------------------------------- > DISCLAIMER > > Advertisments placed on this yahoo groups list does not have the endorsement > of > the listowner. I have no input as to what ads are attached to emails. > ------------------------------------------------------------------------------ > -------- > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 24, 2002 Report Share Posted February 24, 2002 Way to go Terry! Have you thought about sending this to a stand-up? Laurel Re: Re: Support group in Australia > > Hi Terry > We have the Medicare system. In fact I have a brochure here in front of me > and this is what it says: > Medicare ensures that all Australians have access to free or low-cost > medical, optometrical and hospital care while being free to choose private > health services. > > Medicare provides: > * free treatment as a public (Medicare) patient in a public hospital; and > * free or subsidised treatment by doctors, including specialists, > participating optometrists and dentists (for specified services only). > > Australia's public hospital system is jointly funded by the Commonwealth > and State/Territory Governments and is administered by State and Territory > health departments. > > Out of hospital services > Medicare provides benefits for: > * consultation fees for doctors, including specialists; > * tests and examinations by doctors needed to treat illnesses, including > x-rays and pathology tests; > * eye tests performed by optometrists; > * most surgical procedures performed by approved dentists;and > * specified items under the Cleft Lip and Palate Scheme > > Whats not covered by Medicare: > * private patient hospital costs (eg theatre fees or accomodation) > * dental examinations and treatment > * ambulance services > * home nursing > * physiotherapy, occupational therapy, speech pathology, eye therapy, > chiropractic services, podiatry and psychology; > * acupuncture (unless part of a doctor's consultation) > * glasses and contact lenses; > * hearing aids and other appliances; > * the costs of prostheses; > * medicines (except for the subsidy on medicines covered by the PBS - Pay > Back System); > * medical and hospital costs incured overseas; > * medical costs for which someone else is responsible(eg. a compensation > insurer, an employer,a government or government authority); > * medical services which are not clinically necessary; > * surgery solely for cosmetic reasons; and > * examinations for life insurance, sperannuation or membership of a > friendly society. > These services may be covered by private health insurance. > > In the area I live we ONLY have public hospitals. So to have private > hospital cover in our area is not worth it. However I do have private > health cover have been paying it for years and (fingers crossed) have never > had to use it. I might add here, if you arrive at a public hospital and you > are a emergency you get the immediate treatment to save you life and this > does not cost you. It is covered by Medicare. The thing is you have the > doctors that are there, not your regular doctor. But hey, if your life > was in the balance, I'd want whoever was there! <grin> > > Hope this explains it in full. Now its your turn, I'd truly like to hear > about your health system. > Sue > > Terry wrote: >> Sue, >> >> How does yours work? >> >> Terry >> >>> <> > > > > > ------------------------------------- > The Graves' list is intended for informational purposes only and is not > intended to replace expert medical care. > Please consult your doctor before changing or trying new treatments. > ---------------------------------------- > DISCLAIMER > > Advertisments placed on this yahoo groups list does not have the endorsement > of > the listowner. I have no input as to what ads are attached to emails. > ------------------------------------------------------------------------------ > -------- > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 25, 2002 Report Share Posted February 25, 2002 Hi Sue, Thanks for sharing all the info on your health and med plans. >>>My ATD for a four week supply cost me $22.40. Your dollars thats about >>>$44.00 US.<<< That is OUTRAGEOUS! I don't know the cost of name brand Tapazole here, or it's generic counterpart, but PTU for 45 tables (1 month supply) run me $8.59 ! I can't believe how expensive that is there. I do know many of our other drugs are out of sight in costs here though. Take care, Jody _________________________________________________________________ Chat with friends online, try MSN Messenger: http://messenger.msn.com Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 25, 2002 Report Share Posted February 25, 2002 Hi Sue, Thanks for sharing all the info on your health and med plans. >>>My ATD for a four week supply cost me $22.40. Your dollars thats about >>>$44.00 US.<<< That is OUTRAGEOUS! I don't know the cost of name brand Tapazole here, or it's generic counterpart, but PTU for 45 tables (1 month supply) run me $8.59 ! I can't believe how expensive that is there. I do know many of our other drugs are out of sight in costs here though. Take care, Jody _________________________________________________________________ Chat with friends online, try MSN Messenger: http://messenger.msn.com Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 25, 2002 Report Share Posted February 25, 2002 Hi Sue, Thanks for sharing all the info on your health and med plans. >>>My ATD for a four week supply cost me $22.40. Your dollars thats about >>>$44.00 US.<<< That is OUTRAGEOUS! I don't know the cost of name brand Tapazole here, or it's generic counterpart, but PTU for 45 tables (1 month supply) run me $8.59 ! I can't believe how expensive that is there. I do know many of our other drugs are out of sight in costs here though. Take care, Jody _________________________________________________________________ Chat with friends online, try MSN Messenger: http://messenger.msn.com Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 25, 2002 Report Share Posted February 25, 2002 Jody, I may have missed part of the thread here... but are you saying that you pay over the counter $8.59 without any kind of insurance ? Or is this with Medicaid or something ? I am now wondering whether it is cheaper to buy PTU without insurance as my co-pay is $15, having gone up from $10 at the beginning of the year. Thanks, Katy. Re: Re: Support group in Australia Hi Sue, Thanks for sharing all the info on your health and med plans. >>>My ATD for a four week supply cost me $22.40. Your dollars thats about >>>$44.00 US.<<< That is OUTRAGEOUS! I don't know the cost of name brand Tapazole here, or it's generic counterpart, but PTU for 45 tables (1 month supply) run me $8.59 ! I can't believe how expensive that is there. I do know many of our other drugs are out of sight in costs here though. Take care, Jody _________________________________________________________________ Chat with friends online, try MSN Messenger: http://messenger.msn.com <http://messenger.msn.com> Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 25, 2002 Report Share Posted February 25, 2002 Jody, I may have missed part of the thread here... but are you saying that you pay over the counter $8.59 without any kind of insurance ? Or is this with Medicaid or something ? I am now wondering whether it is cheaper to buy PTU without insurance as my co-pay is $15, having gone up from $10 at the beginning of the year. Thanks, Katy. Re: Re: Support group in Australia Hi Sue, Thanks for sharing all the info on your health and med plans. >>>My ATD for a four week supply cost me $22.40. Your dollars thats about >>>$44.00 US.<<< That is OUTRAGEOUS! I don't know the cost of name brand Tapazole here, or it's generic counterpart, but PTU for 45 tables (1 month supply) run me $8.59 ! I can't believe how expensive that is there. I do know many of our other drugs are out of sight in costs here though. Take care, Jody _________________________________________________________________ Chat with friends online, try MSN Messenger: http://messenger.msn.com <http://messenger.msn.com> Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 25, 2002 Report Share Posted February 25, 2002 Jody, I may have missed part of the thread here... but are you saying that you pay over the counter $8.59 without any kind of insurance ? Or is this with Medicaid or something ? I am now wondering whether it is cheaper to buy PTU without insurance as my co-pay is $15, having gone up from $10 at the beginning of the year. Thanks, Katy. Re: Re: Support group in Australia Hi Sue, Thanks for sharing all the info on your health and med plans. >>>My ATD for a four week supply cost me $22.40. Your dollars thats about >>>$44.00 US.<<< That is OUTRAGEOUS! I don't know the cost of name brand Tapazole here, or it's generic counterpart, but PTU for 45 tables (1 month supply) run me $8.59 ! I can't believe how expensive that is there. I do know many of our other drugs are out of sight in costs here though. Take care, Jody _________________________________________________________________ Chat with friends online, try MSN Messenger: http://messenger.msn.com <http://messenger.msn.com> Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 25, 2002 Report Share Posted February 25, 2002 > Hi Sue, > Thanks for sharing all the info on your health and med plans. > > >>>My ATD for a four week supply cost me $22.40. Your dollars thats about > >>>$44.00 US.<<< > > That is OUTRAGEOUS! I don't know the cost of name brand Tapazole here, or > it's generic counterpart, but PTU for 45 tables (1 month supply) run me > $8.59 ! I can't believe how expensive that is there. I do know many of our > other drugs are out of sight in costs here though. > Take care, > Jody Drug costs everywhere are outrageous. I pay about $20 for a months supply (actually since I've cut my dosage in half I can stretch the 180 pills for a couple of months), until I hit my $100 deductable, then I only pay about $5 or $6. Since giving up birth control pills, I take forever to hit my deductable (hubby on the other hand hits it immediately with his prilosec, SIGH!). C Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 25, 2002 Report Share Posted February 25, 2002 > Hi Sue, > Thanks for sharing all the info on your health and med plans. > > >>>My ATD for a four week supply cost me $22.40. Your dollars thats about > >>>$44.00 US.<<< > > That is OUTRAGEOUS! I don't know the cost of name brand Tapazole here, or > it's generic counterpart, but PTU for 45 tables (1 month supply) run me > $8.59 ! I can't believe how expensive that is there. I do know many of our > other drugs are out of sight in costs here though. > Take care, > Jody Drug costs everywhere are outrageous. I pay about $20 for a months supply (actually since I've cut my dosage in half I can stretch the 180 pills for a couple of months), until I hit my $100 deductable, then I only pay about $5 or $6. Since giving up birth control pills, I take forever to hit my deductable (hubby on the other hand hits it immediately with his prilosec, SIGH!). C Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 25, 2002 Report Share Posted February 25, 2002 > Hi Sue, > Thanks for sharing all the info on your health and med plans. > > >>>My ATD for a four week supply cost me $22.40. Your dollars thats about > >>>$44.00 US.<<< > > That is OUTRAGEOUS! I don't know the cost of name brand Tapazole here, or > it's generic counterpart, but PTU for 45 tables (1 month supply) run me > $8.59 ! I can't believe how expensive that is there. I do know many of our > other drugs are out of sight in costs here though. > Take care, > Jody Drug costs everywhere are outrageous. I pay about $20 for a months supply (actually since I've cut my dosage in half I can stretch the 180 pills for a couple of months), until I hit my $100 deductable, then I only pay about $5 or $6. Since giving up birth control pills, I take forever to hit my deductable (hubby on the other hand hits it immediately with his prilosec, SIGH!). C Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 25, 2002 Report Share Posted February 25, 2002 Hi The two of you have separate deductibles to meet for drug costs? Boy, after the comparisons on insurances between Sue, Terry and I, and now this, something is really wrong isn't it! Many moons ago (like 30 years worth) when I was on the pill, I only paid like 5 dollars for them, now they are almost 30 aren't they? Jody _________________________________________________________________ Get your FREE download of MSN Explorer at http://explorer.msn.com/intl.asp. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 25, 2002 Report Share Posted February 25, 2002 Hi The two of you have separate deductibles to meet for drug costs? Boy, after the comparisons on insurances between Sue, Terry and I, and now this, something is really wrong isn't it! Many moons ago (like 30 years worth) when I was on the pill, I only paid like 5 dollars for them, now they are almost 30 aren't they? Jody _________________________________________________________________ Get your FREE download of MSN Explorer at http://explorer.msn.com/intl.asp. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 25, 2002 Report Share Posted February 25, 2002 Hi The two of you have separate deductibles to meet for drug costs? Boy, after the comparisons on insurances between Sue, Terry and I, and now this, something is really wrong isn't it! Many moons ago (like 30 years worth) when I was on the pill, I only paid like 5 dollars for them, now they are almost 30 aren't they? Jody _________________________________________________________________ Get your FREE download of MSN Explorer at http://explorer.msn.com/intl.asp. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 25, 2002 Report Share Posted February 25, 2002 We are asked when placing a prescription if we would like the generic brand. But I was not asked when I had my script filled for Neo Mercazole. I heard mention of the pill, well it costs $25.40 (for Microgynon) and that is for a 4 month supply. So US dollars would be $50.00 or there about. Sue At 03:09 PM 25/02/2002 -0500, you wrote: > Hi Sue, > Thanks for sharing all the info on your health and med plans. > > >> Your dollars thats about >>>><<< > > I don't know the cost of >name brand Tapazole here, or > it's generic counterpart, but PTU for 45 >tables (1 month supply) run me > I can't believe how expensive that is >there. I do know many of our > other drugs are out of sight in costs here >though. > Take care, > Jody Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 25, 2002 Report Share Posted February 25, 2002 We are asked when placing a prescription if we would like the generic brand. But I was not asked when I had my script filled for Neo Mercazole. I heard mention of the pill, well it costs $25.40 (for Microgynon) and that is for a 4 month supply. So US dollars would be $50.00 or there about. Sue At 03:09 PM 25/02/2002 -0500, you wrote: > Hi Sue, > Thanks for sharing all the info on your health and med plans. > > >> Your dollars thats about >>>><<< > > I don't know the cost of >name brand Tapazole here, or > it's generic counterpart, but PTU for 45 >tables (1 month supply) run me > I can't believe how expensive that is >there. I do know many of our > other drugs are out of sight in costs here >though. > Take care, > Jody Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 25, 2002 Report Share Posted February 25, 2002 We are asked when placing a prescription if we would like the generic brand. But I was not asked when I had my script filled for Neo Mercazole. I heard mention of the pill, well it costs $25.40 (for Microgynon) and that is for a 4 month supply. So US dollars would be $50.00 or there about. Sue At 03:09 PM 25/02/2002 -0500, you wrote: > Hi Sue, > Thanks for sharing all the info on your health and med plans. > > >> Your dollars thats about >>>><<< > > I don't know the cost of >name brand Tapazole here, or > it's generic counterpart, but PTU for 45 >tables (1 month supply) run me > I can't believe how expensive that is >there. I do know many of our > other drugs are out of sight in costs here >though. > Take care, > Jody Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 25, 2002 Report Share Posted February 25, 2002 I forgot to mention that my 'private health insurance' is $1,030.00 per year. That only covers me for 'private hospital' and all treatments whilst in hospital including the doctor of my choice. Also all ambulance services. It does not cover me for dental, chiropractic etc. So again, $2,000.00 US. Sue At 03:33 PM 25/02/2002 -0500, you wrote: > Hi > Boy, after > the comparisons on insurances between Sue, Ter >ry a I, and now this, > something is really wrong isn't it! > > Many >moons ago (like 30 years worth) when I was on the pill, I only paid > like >5 dollars for them, now they are almost 30 aren't they? > Jody > > > > >_________________________________________________________________ > Get >your FREE download of MSN Explorer at http://explorer.msn.com/intl.asp. > > > > Quote Link to comment Share on other sites More sharing options...
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