@CJsGoldfish
Why do you have medical debt OP?
-because private surgery is expensive.
-private consultants are expensive.
-lab tests in a private hospital are expensive.
I have tried to get treatment as a public patient, I’ve even gone to public hospital in ambulances on several occasions. The system in Australia is broken.
I was scheduled for surgery on one occasion and it fell through because the radiology department took me for an unnecessary scan. I ended up walking down the road to a private hospital with a junior doctor.
Each admission to a public hospital was followed by instructions to see my GP to get a scan - a private scan which can cost anywhere from $300 to $600 a time.
Specialist appointments in the public system are basically a long wait list to nowhere. I’m still on a wait list after being referred at the start of the year for a condition I had been paying for privately.
This isn’t me being melodramatic, I don’t have family to borrow money from for these appointments and tests.
I have top private health insurance, which I’ve paid for since I was 18 years old.
I’ve gone through my savings and put the remainder on my credit card. Australia is becoming very much like America in respect to medical care.
Why can't you use the public system to have your baby?
I can, my friend lost her baby at the best public hospital in my State because the medical care was deficient.
This wasn’t an isolated case, the care in public hospitals is known to be sub-standard.
Has Australia changed its health care system?
The healthcare system hasn’t changed over night. Over time it had become Americanised:- private for-profit insurers have entered the market, private hospitals are putting up their fees, specialists are in short supply so they can put their fees up astronomically.
The Government can’t afford the cost of the public system. Every single occasion when I was admitted to a public hospital someone came in with a clip board asking if the hospital could recover costs of my treatment from my private medical fund.
There is a social welfare safety net. Which is insufficient to live off.
In short, I’m in a very vulnerable position - completely reliant on another person. I still work, but the economy isn’t great right now.
This isn’t me catastrophizing the situation, but rather a very real set of circumstances.
In hind sight, it would have been helpful to have more savings. I didn’t anticipate how sick I would get over a very short period of time. I’ve had multiple surgeries and needed to see multiple specialists. At the moment I’m in limbo because I can’t have anaesthesia because of the pregnancy so I have to wait until after the baby is born to do anything else.
To see a specialist, you book an appointment, take time off work (sometimes half a day to get there in traffic) and see them in their consulting rooms. One specialist was over $300 for an appointment. Which needs to be paid for then and there. The cost of the treatment (for this one condition) was $1,000 and a separate appointment.
Blood tests I had in hospital were $300 a time. And drugs I was given in hospital was billed to my home address.
There’s hospital fees, surgeons fees, anaesthetist fees.... then there is time off work recovering.