Guest post: How to avoid out of pocket private hospital expenses

How to avoid out of pocket private hospital expenses - Ever-changing Life of a Mum

*This post is sponsored by Health Insurance Comparison

You’ve been paying your health insurance premiums each month, it’s rather expensive but you keep finding the money for peace of mind that your family is protected.

So it’s really frustrating that when you do finally need to go to hospital and make a claim on your insurance to find that not only do you need to pay the excess but you’re also you out of pocket a chunk of money to cover a range of expenses not covered by your policy.

This has happened to me. I originally took out private health insurance when my husband and I began planning to have our first baby. I’ve since had all three of  my children in the private hospital system. At the time, my hospital cover was considered top of the range, but I have still found myself out of pocket for certain costs, such as the anaesthetist.

I have to admit that it was a bit of a shock at first as we hadn’t factored in that extra expense, but after that we were better prepared and knew we needed to allow for these costs.

However, not all hospital visits are planned, so Sally from Health Insurance Comparison is here to offer some tips to help keep those costs to a minimum and your family budget looking healthy at the same time.

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Guest post: Maintaining health insurance on a tight budget

Maintaining health insurance on a tight budget - Ever-changing Life of a Mum

*In conjunction with Health Insurance Comparison

I have to say that one of the biggest challenges of leaving work in the middle of last year to spend more time with my family has been adapting to living on one income. Our budget is tight and over the past year I have been trying to find ways to cut costs to help improve our cash flow.

During this time, I have often questioned whether we should drop our private health insurance. Lucky for me, I don’t move quickly on these things so I didn’t get around to making any changes before discovering I was unexpectedly pregnant with my third child. But now that my baby girl has arrived and, knowing that she will definitely be my last, I am once again questioning the need to maintain our private health insurance. I currently have top level hospital cover, but it is one of our most expensive yet optional bills to pay each month.

I’m sure many other families in this economy often have the same thoughts, so I asked Sally from Health Insurance Comparison if she should offer some advice on ways to fit private health insurance into a tight family budget, what it would mean tax-wise if we cancelled our insurance, and what options there are to reduce the cost of private health insurance after you have finished having babies.

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