How The Funds Measure Up
The Age
Sunday April 14, 1996
HBA HEALTH INSURANCE
. Effective 10 October 1995
Per 100% Hospital 100% Hospital
Week Cover Economy Cover
. No Excess $200 Excess $300 Excess
Single $19.10 $14.45 $10.55
Family $38.20 $28.90 $21.10
Family Plus* $44.00 $32.80 $24.70
. 100% cover in HBA participating 100% cover after
. Private Hospitals the excess plus
. Additional Benefits: cover for Emergency,
. Under 50s Ambulance, Home
. * $5000 Death or Trauma cover Nursing and
. (conditions apply) Prosthesis. Benefits
. * Health insurance at no cost increase after 2
. if you become involuntarily years of membership
. unemployed (conditions apply)
. Over 50s
. * 100% refund for ambulance
. subscription
. * Higher home nursing benefits
. and surgical prosthesis
Per Public Hospital Singles Choice
Week Cover (Hospital & Extras)
. No Excess No Excess
Single $11.35 $11.90
Family $22.70 -
Family Plus* - -
. Choice of doctor and limited 100% hospital cover
. assistance towards the cost for accidents and a
. of private hospitalisation range of selected
. surgery. Cover for
. Dental, Optical, Physio.
,
. Chiropractic,
. Mouthguards & Emergency
. Ambulance
HBA's new Family Plus lets you cover all of your non-
studying children under 23 for a little extra a week on
top of the normal Family membership rate. It doesn't
matter if they are working or not. They can even be
living away from home. As long as they are not married,
they can be covered! Full-time students under 25 are
automatically covered under family memberships
100% Hospital Cover relates to accommodations, theatre
and scheduled medical fees. Some doctors may charge
above the scheduled medical fee. HBS offers immediate
cover, but maternity and existing ailment waiting periods
still apply. The excess on hospital visits only applies
to the first three hopsital visits in any calendar year,
regardless of the number of hospital visits within that
year. For more details call HBA Customer Service on
9805 8000
MBF
. Effective April 1996
. Hospitals
. Services
. 100%
. -Extras 60%
. Hospital (Excess
Excess Services on hospital
Level 100% Cover services only
Nil $15.35 $21.50
$100 $14.00 $20.15
$200 $12.65 $18.80
$300 $11.50 $17.65
$400 $10.95 $17.10
Other excess 100% cover for MBF will pay 100%
options are accommodation & theatre accommodation &
available up costs in MBF Vic. theatre costs in
to $1000 per Aggreement hospitals*. MBF Vic. Agree-
person per Includes emergency ment hospitals*
year, with ambulance home care as & up to 60% normal
the maximum part of an on-going charge of extras,
for a family hospital program, with optional
being twice public hospital excess for
the single accommodation, hospital services
amount surgically implanted only. Dental and
. prostheses & schedule Pharmaceutical
. fee gap. limits increased
Hospital
Services Hospital Hospital
. 100% Services Services
-Extras 80% 100% 100%
. (Excess -Extras 60% -Extras 80%
on hospital (Combined (Combined
services only) Excess) Excess)
. $23.05 $21.50 $23.05
. $21.70 $19.20 $20.75
. $20.35 $17.60 $19.15
. $19.20 $16.20 $17.75
. $18.65 $15.35 $18.90
MBF will pay 100% MBF will pay 100% MBF will pay 100%
accommodation & accommodation & accommodation
theatre costs in theatre costs in MBF & theatre costs
MBF Vic. Vic. Agreement in MBF Vic
Agreement hospitals* & up to Agreement
hospitals* & up 60% normal charge of hospitals* & up
to 80% normal extras, with optional to 80% normal
charge of extras, excess which applies charge of extras,
with optional to both services. with optional
excess for Dental and excess which
hospital Pharmaceutical limits applies to both
services only. increased. services. Dental
. Pharmaceutical
. limits increased
*Prices are based on a single weekly auto pay rate
*These are hospitals that have entered into a contractual
agreement with MBF
Please note that waiting periods apply to all hospital &
extras services Annual limits for extras will apply
AUSTRALIAN UNITY HOSPITAL COVER
. Effective 1 October 1995
Family Basic Intermediate Intermediate Private 100%
weekly Cover Hospital Hospital Hospital Hospital
. cover Obstetrics cover cover
. $23.20 $31.00 $29.00 $35.50 $38.60
. No excess No excess No excess No excess
. $27.70 $25.80 $31.30 $33.60
. $150-300 $150-300 $150-300 $150-300
. Excess Excess Excess Excess
. $28.50 $30.20
. $250-500 $250-500
Excess Excess
Treatment
classification
Advanced Surgery
$245 $55 max $55 max per $15 max per No out
per day day of day of of
of hospital hospital hospital pocket
charges. charges.* charges. expenses
The above benefits apply in Australian Unity Agreement
Private Hospitals. Table covers all treatment
classifications
*Except for Obstetrics
Surgical $224
Obstetrics $224
Medical $196
Acute Medical $196
Psychiatric $224
Rehabilitation $224
* Covered for 365 days a year on all tables (subject to
medical certification)
* Intermediate, Private and 100% Hospital cover include
100% cover for same day procedures and surgical nursing
* Out-of-pocket expenses are for Shared and Private room
accommodation
* Benefits for private midwifery (except no Obstetrics
cover) and home nursing care also available
* Single table excess applies only once per calendar year
Family table excess is applied at the single rate up to
twice per calendar year
`Smart` Cover
Family weekly Smart Families Smart Families Smart
(Hospital and no Obstetrics Singles
Selected Extras)
. $46.60 $39.70 $17.65
. No excess No excess No excess
. $41.80 $34.80 15.35
. $300 excess $300 excess $150 excess
Advanced Surgury $55 max per $55 max per $55 max per
. day of day of day of
. hospital hospital hospital
. charges. charges. charges.*
The above benefits apply in Australian Unity Agreement
Private Hosptials. Table covers all treatment
classifications
* Except Obstetrics
YALLOURN MEDICAL & HOSPITAL SOCIETY
. Effective April 1996
Weekly Basic Intermediate
Premium Hospital Services Hospital Services
Family $20.60 $28.60
Single $10.30 $14.30
Public
Hospitals
. 100% shared 100% Private/Shared
Select Private Govt. determined Member contribution
Contracted benefit of $50 per day for
Hospitals 5 days then 100%
. of bed/accommodation
. charges
Other Private Up to $245 per day Up to $380 per day
Hospitals plus theatre fees to
$3300
Weekly Maximum
. Hospital Services
Family $30.00
Single $15.00
Public Hospitals 100% Private/Shared
Select Private 100% cover of bed/accommodation
Contracted charges
Hospitals
Other Private Hospitals Up to $440 plus theatre fees to
. $3300
Selection of hospital/dental/ancillary health insurance
lifestyle packages also available
MEDIBANK PRIVATE
. Effective 20 November 1995
Weekly Public Intermediate
Premiums Hospital Hospital
Full Benefit Family Single Family Single
F $300/S $150 Excess $20.04 $10.02 $26.00 $13.00
F $500/S $250 Excess - - $21.76 $10.88
. - - $19.26 $9.63
In Members' Shared ward Shared $50 per
Choice Hospitals up to $235 day Private $80
. per day Capped
. at $280 per day
. (Members' out of
. pocket cost)
Weekly Blue Ribbon Hospital
Premiums 100% Cover
Full Benefit Family Single
F $300/S $150 Excess $31.00 $15.50
F $500/S $250 Excess $26.76 $13.38
. $24.26 $12.13
In Members'
Choice Hospitals 100% cover
In other Private Shared Shared Shared Priv. Room
Hospitals Ward Ward Ward
. ($ up to per day) ($ up to per day)
Advanced Surgery $245 $330* $388* $418*
General/Obstetrics $224 $300* $363* $393*
General Medical $196 $235* $240* $270*
Special Medical n/a $250* $265* $295*
Psychiatric $224 $300* $362* $382*
Rehabilitation $224 $300* $362* $362*
* Benefits are slightly reduced in hospitals not
accredited by ACHS
GEELONG MEDICAL & HOSPITAL BENEFITS ASSOCIATION
. Effective April 1996
Family Excess Level Top Cover Intermediate Basic
(Single is half) (100% cover) cover cover
. Nil $35.30pw $29.80pw $24.20pw
. $200 $33.30pw $27.80pw $23.80pw
. $300 $32.30pw $26.80pw n/a
. $500 $29.30pw n/a n/a
. $1000 $23.80pw n/a n/a
Hospital Benefits
Public Hospitals
Shared 100% cover 100% cover
Private 100% cover Up to $360
per day
Participating
Private Hospitals
. 100% cover incl. Member pays a daily
. accomodation, theatre, co-payment which,
. delivery suite, intensive combined with GMHBA
. /coronary care, day benefit, equals 100%
. patient charges, of hospital costs.
. disposables and therapy Co payment differs
. provided by the hospital. for each hospital
. and ranges from $0-
. $100+
Shared 100% cover
Private Up to $245
Participating
Private Hospitals Up to $245 per day
Other Private Hospitals
. Shared Shared
. Shared Private & Private & Private
Advanced Surgery
(1-14 days) $400 $425 $360 $245
Obstetrics/General
(1-14 days) $370 $400 $330 $224
Special Medical
(1-14 days) $375 $400 $325 $196
Medical
(1-14 days) $310 $330 $270 $196
Psychiatric
(1-42 days) $365 $390 $315 $224
Rehabilitation
(1-49 days) $365 $390 $315 $224
IOOF
Treatment Duration of Admission Basic Cover
Advanced Surgery (first 14 days) $245
Obstetrics (first 14 days) $224
Medical (first 14 days) $224
Special Psychiatry (first 42 days) $224
Rehabilitation (first 49 days) $224
Excess tables are also available for each level of cover
IOOF have special agreements with participating hospitals
for the Intermediate, Private and Top levels of cover
where a moiety may apply. Ring fund for confirmation on
these moieties and the level of cover which will apply
Treatment Duration of Intermediate
. Admission Cover
. Shared Private
Advance Surgery (1-6 days) $330 $370
Group 1
Advance Surgery (1-11 days) $330 $370
Group 2
Surgical Group 1 (1-4 days) $330 $370
Surgical Group 2 (1-8 days) $330 $370
Obstetric (1-8 days) $330 $370
Caesarian (1-10 days) $330 $370
Medical Group 1 (1-7 days) $330 $370
Medical Group 2 (1-14 days) $330 $370
Special Psychiatry (1-42 days) $280 $290
Rehabilitation (1-49 days) $280 $290
. Excess X2
. $200 single
. $400 family
Treatment Private Top
. Cover Cover
. Shared Private Shared Private
Advance Surgery $390 $420 $440 $470
Group 1
Advance Surgery $390 $420 $440 $470
Group 2
Surgical Group 1 $390 $420 $440 $470
Surgical Group 2 $390 $420 $440 $470
Obstetric $390 $420 $440 $470
Caesarian $390 $420 $440 $470
Medical Group 1 $390 $420 $440 $470
Medical Group 2 $390 $420 $440 $470
Special $310 $330 $360 $360
Psychiatry
Rehabilitation $310 $330 $370 $370
Excess X3 Excess X4
$200 single $250 single
$400 family $500 family
© 1996 The Age
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