Have you received an unexpected bill during pregnancy? You are not alone.
annually, About 70,000 Australian women Please give birth to a personal system. Many people have been hit by amazing costs, and often have no clear explanations or prerequisites. Some women are afraid to question unexpected charges, and they are afraid that they can delay treatment and danger their health.
There must be a better way.
Private health insurers now plan to provide pregnant women more clearly on the cost of scanning and blood tests. The idea is to provide a “bundle” of maternity treatment paid for prepaid at a fixed cost.
Private Healthcare in Australia’s Productivity Committee Most of the fundsBriefly explain how this works. But the committee Interim report that provides quality control more efficientlyWhat came out earlier this week does not mention bundled paying for private childbirth.
We are two health economists who have special interest in women’s health. Here’s why we think that we can help we get stressed and financial guessing about having a baby.
High pregnancy
Our research On average, women visited 11 outpatient patients and showed that they had approached 39 hospitals during pregnancy. This includes GP and professional counseling, scan, treatment and testing. Each service may cause the cost of the copayment and cannot be guaranteed by personal health insurance.
These add an average cost of copayment. $ 4,285 For women who give birth in a personal system.
Private birth treatment You can provide excellent results. However, the cost of rising and unpredictable self -pay is Reduced proportion of women who chose childbirth from a personal system. It not only affects the women, but when it is far from private childbirth nursing, the pressure is added to the already expanded public health system.
Here is an example of the cost type we say. The image below shows the actual fee schedule the woman received from the first personal obstetrics and gynecology promise.
This provides women with a clear estimates of the fees imposed by a professional gynecologist. Additional services, such as scans, blood or urine tests, anesthesia or neonatal treatment, may cause additional costs. However, the fee schedule does not provide details of how many of them will be.
Provided author
What does a private health insurance company suggest?
Private health care Australia requires a major reform of how childbirth nursing is raised in a personal system called “Bundle Payment”.
Think like a travel package, but think about pregnancy. Instead of receiving a separate bill from multiple medical service providers, you pay a fixed price that includes all pregnancy and birth -related treatments. It’s not an amazing bill. There is no confusion. One consensus cost, earlier.
Women select major practitioners such as obstetrics and gynecologists, assignments, or GPs to adjust all the necessary services and handle pay to other providers. In return, women receive a single invoice to deal with everything from initial consultation to postpartum treatment.
If the birth is complicated and the additional service is needed beyond the standard package, lead practitioners can claim more, but only under strict conditions. This helps ahead of clear expectations while maintaining flexibility.
What can we expect?
Clinical clinicians, including obstetrics and gynecologists, midwives and GPS, can provide a full service package to women and join the bundle care system. They worked with other medical service providers to provide treatment and share funds.
This can lead to a healthy competition for the provider to provide a package with clear prices and service options. The goal is to provide women with more choices, better values and improved treatment adjustments.
Bundle Care can be a victory of a public health system.
In order to support reform, private health care Australia has donated at least $ 3,000 to clinicians by private insurance companies and Australian governments, dealing with adjustment work and helping the family’s own burden.
The launch of this financing model will cost $ 266 million for four years. This is much less than rough $ 1,851 million If these women switch to private childbirth therapy, they can face the same time.
Not everyone agrees that this is effective.
But not all medical service providers have boarded. Earlier this year, Royal Australia and New Zealand Obstetrics and Gynecologists question Whether bundled birth payments can actually save women’s money. The chief provider of pregnant women’s nurses will burden the immunity responsibility for all services in the bundle, and the service will be prohibited and will not be able to execute it financially.
However, we insist that we must consult with the medical provider to consult with the medical provider to properly cover the additional legal responsibility and adjustment burden.
In this financing model, the cost of coping can still be important. But it will give your family a certainty of your fees and more confidence in your baby’s plan.
If you can manage clinical concerns about legal responsibility and other real issues, this type of reform can make private childbirth therapy for more families with a more realistic choice.
