Having private hospital cover means you can choose whether you want to be treated as a private or public patient. If you go to a public hospital, you’ll be asked to sign a ‘patient election form’, which tells the hospital whether you want to be admitted as a private or public patient.
The thing is, having private hospital cover doesn’t mean that you can’t or shouldn’t ever go publicly. You have the right to be fully covered by Medicare as a public patient if that’s what you choose. Whatever you choose, the hospital and your doctor should tell you what your out-of-pocket costs will be before you’re admitted (this is called informed financial consent).
Why would I go public?
There are a few reasons that you might go to a public hospital. For example, if it’s an emergency (you’ll usually be taken straight to a public hospital in this case) or they might have the best facilities for your condition.
While private hospital cover does cover you for a private room, there’s no guarantee one will be available. Private rooms in public hospitals are given to patients based on their medical needs, not their health cover.
The same goes for choosing your own doctor - private hospital cover does give you the option, but it all depends on whether your doctor is available and works at your local public hospital. Depending on your condition, the doctor who treats you at a public hospital might even be the same one you’d have chosen as a private patient.
In these cases, it’s often just as easy (if not easier!) to be admitted as a public patient.
It’s important to keep in mind that any restrictions or exclusions on your cover still apply if you’re admitted as a private patient in a public hospital.
So when would I go to a private hospital?
If you’re going to hospital for something that isn’t an emergency, going to a private hospital means getting to choose your doctor and avoid long public hospital waiting lists. You’re also more likely to score yourself a private room (since there are more of them available), and they’re usually pretty swish!
If you choose to be treated as a private patient and you’re moved by ambulance to another hospital, the cost is usually covered by your hospital cover.
What if I change my mind?
You’ll only be able to change how you’re admitted if something unexpected comes up, so it’s important to have all the information you need before you make your choice.
At the end of the day it’s entirely up to you and what you’re comfortable with – having private hospital cover just gives you more options. If you’re planning a hospital stay, or have any questions about private vs public admissions, give us a buzz and our Peoplecarers will talk you through it.