Modern Health Cover Makes it Easier Than Ever To Manage Heart Disease, But Does Your Insurance Cover You In Case of Emergencies?

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If you’re reading this, it’s likely that you’re one of the 1 in 6 Aussies that are affected by heart disease. A recent study by the Heart Foundation found that 73% of Australians reported having at least one risk factor associated with heart disease, with the risks increasing after age 45.

The financial costs of managing heart disease are at an all-time high. From 2016-2017, over half a million Aussies were hospitalised for complications related to heart disease. Many of these hospitalisations were for emergencies – which not only requires transport by ambulance but for over 1000 Aussies every month, this results in coronary bypass surgery. These costs add up quickly. Without the right cover, coronary bypass surgery alone can cost between $32,000 -$38,000.

The good news is that people with heart disease are living longer and healthier lives than ever — and a well-rounded insurance policy is an essential part of that. Not only is it important to get the health insurance you need, it’s just as important to make sure you’re not paying for cover that you will never use.

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In addition to the stress that comes with managing chronic heart disease, if you don’t have the proper health cover and extras, you may find yourself burdened with a lot of unnecessary medical expenses. Aussies of every age are relying on a range of measures, including medication, to help manage their heart disease. Some medications are partially covered by PBS, but some care could end up coming out of your pocket.

If you’re one of the more than 1.2 million Aussies living with cardiovascular disease, it’s more important than ever to ensure you have an appropriate insurance policy in place to protect you and your family in case of an unexpected emergency. This is why it’s important to regularly check up on your health insurance policy just like you would your health.

Rehabilitation And Prevention Cover – Other Factors To Consider

Cardiac rehabilitation services are covered under some policies if you’ve suffered a heart attack or need surgery or certain other procedures. These programs will help you understand the lifestyle changes needed to better manage your condition and work with you to help you get everything in place to live a long, healthy life.

Some services offered by these programs (and by certain health funds, not all of these benefits are limited to those who have suffered an emergency event) include partial reimbursement for a range of approved services, which may include gym memberships, weight management programs, and exercise classes. If your health insurance policy covers these services, you’ll likely need a referral from your doctor.

You may even be able to claim some nicotine replacement therapy devices and courses on your health fund. There are restrictions that apply and requirements that you need to meet and different policies offer different benefits. The amount you can save is based on many factors, and we recommend speaking with one of our experts about your exact situation to get a better idea of what your policy can cover and how much you can save.

There are other preventative measures you can take that your insurance policy can help cover. One of the leading causes of heart disease is being overweight and having the correct policy and extras cover can make this easier and cheaper for you to manage. This is why it’s important to understand what your policy covers. Not every health fund offers the same extras cover or pays the same amount for the same things.

For example, did you know that some policies cover appointments with dietitians? A dietitian will work with the rest of your medical team to create an overall health plan that will keep your condition under control, but they can be expensive without the right extras cover. Many dietitians can cost up to $150 per hour. Your policy can help cover these costs if you have the right cover and meet the qualifications.

Another way that overweight Aussies with heart disease are keeping their weight under control is by undergoing weight loss surgery. On average, the total cost of these procedures can be in excess of $20,000 if you’re not properly insured. A lot of Aussies are unaware that it’s even possible to get a policy that would help cover these costs. Those that do are finding it can reduce what they pay out of pocket by up to 80%, making this treatment option more affordable than ever.

Compare And Save — It’s Never Too Early — Or Too Late

Living with heart disease can cause a lot of needless anxiety and stress, but it is an easily manageable condition if you make the right lifestyle changes and work with the right healthcare professionals. This is why it’s important to regularly check up on your health cover and see what you’re actually paying for. Think about it — when was the last time you had a health insurance check up to see if you’re covered in case of an emergency? It’s likely you’re throwing more and more of your hard-earned money away every single year without even realising it.

Health insurance policies are getting more complex and difficult to understand, but they’re also offering additional savings and benefits if you know how to navigate the system.

Our experts at HealthInsuranceComparison.com.au understand this, and also understand that healthcare needs vary from person to person. With our personalised service, you will get access to your own team of expert advisers that have the years of experience necessary to guide you through the process, and it’s free, costing you nothing but a couple of minutes of your time.

[1] St. Vincent’s Hospital Heart Health, https://www.svhhearthealth.com.au/conditions/coronary-artery-disease
[2] Heart Foundation, https://www.heartfoundation.org.au/about-us/what-we-do/heart-disease-in-australia
[3] Australian Institute of Health and Welfare, https://www.aihw.gov.au/reports/health-welfare-expenditure/health-system-costs-of-cardiovascular-diseases-and/contents/summary
[4] Australian Institute of Health and Welfare, https://www.aihw.gov.au/reports/heart-stroke-vascular-diseases/cardiovascular-health-compendium/contents/hospital-care-for-cardiovascular-disease
[5] Financial Review – Health, https://www.afr.com/life-and-luxury/health-and-wellness/death-rate-rockets-10-years-after-a-coronary-artery-bypass-why-20170612-gwpquo
[6] Medigo, https://www.medigo.com/blog/medigo-guides/coronary-artery-disease-treatment-guide/
[7] NSW Health, https://www.health.nsw.gov.au/Hospitals/Going_To_hospital/cost-of-care/Pages/default.aspx
[8] Australian Institute of Health and Welfare, https://www.aihw.gov.au/getmedia/e84e445a-b4f0-4eac-96ee-b4cbf4e5639a/aihw-cvd-80.pdf.aspx?inline=true
[9] Australian Government Department of Health, https://www1.health.gov.au/internet/main/publishing.nsf/Content/chronic-cardio
[10] Heart Research Australia https://www.heartresearch.com.au/living-with-heart-diseases/cardiac-rehabilitation/
[11] Finder, https://www.finder.com.au/health-insurance-gym-benefits
[12] Bupa, https://www.bupa.com.au/health-and-wellness/programs-and-support/health-management-extras-service/find-out-more-about-nicotine-replacement-therapy
[13] Australian Government Department of Health, https://www1.health.gov.au/internet/main/publishing.nsf/Content/chronic-cardio
[14] Health Direct, https://www.healthdirect.gov.au/dietitians
[15] Mercy Bariatrics, https://mercybariatrics.com.au/my-next-steps/costs-finance/

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This article is opinion only and should not be taken as medical or financial advice. Check with a financial professional before making any decisions.

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