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Medical Insurance Comparison: Elective Surgery Waiting Times

aldwin sab January 29th, 2012 0 comments

Health care is no joking matter. Every year, thousands of people around the world die because of unavailable or poor health services, when this is something that is preventable and should be of primary concern in governments everywhere. It is a basic human right for people to have good health, which is achievable by having access to good health care facilities and services at minimum costs.

Public health care services are very commendable, especially in countries that have really worked to ensure its citizens are well-cared for. Medicare is the Australian public health care system. Its goal is to allow everyone to have quality medical services, no matter who they are or what they do for a living. In effect, it is a nationwide system that seeks to address problems regarding expenses for health conditions such as treatments, examinations, hospital stays, medications and the like.

Elective Surgery Waiting Times

The problem with Medicare, or any other public health insurance plan for that matter, is that due to its all-encompassing goals, elective surgery waiting times have become longer. In Australia, for example, millions of citizens use Medicare across urban and suburban areas, meaning hospitals have extremely long lines and even longer waiting lists.

If you’re using Medicare, you may have to wait some time when visiting a practitioner, weeks to get results back, sometimes months to complete medical procedures. This can be extremely frustrating, especially if you have a condition that needs immediate treatment or if you feel that time is of the essence. In addition, Medicare only covers basic health costs, so things such as ambulance services or other procedures must be paid for by the person involved.

Reducing Waiting Times

However, in Australia, the problem regarding lengthy elective surgery waiting times has been and is being addressed by the country’s government, since many Australians depend solely on Medicare for their health care needs. Steps are being taken to cut down on these long waiting times, increase funding in order to improve public health care services and facilities and generally make the national public health care system better and more efficient.

As an option, private health insurance cover is often chosen by patients who wish to avoid any long public waiting times. Private health insurance cover is widely available, either on its own or as a supplement to Medicare. The good thing about having private health insurance cover is that you’ll have something to fall back on should your health care costs not be covered by Medicare, or if you only have private health insurance cover, you’ll usually have a larger amount to use for medical purposes.

In Australia, there is up to 34% Private Health Insurance Rebate on private health cover. The downside to this is that, of course, you’ll have to pay for private health insurance cover, with your monthly premiums depending on the cover package that you choose.

If you want to purchase private health insurance cover in addition to your public health insurance, you may be able to tailor your private insurance policy according to what you think you need so that you don’t end up paying so much but still have a safety net in place. In the end, you can’t put a price on your own health, so shop around to see what your best options are for health insurance, and make a decision based on the facts you find.

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