HCF Fit and Well : HCF Fit and Well Summer 201415
Are you going to hospital? We recommend you always contact HCF prior to receiving treatment. Drop by your nearest branch or call 13 13 34 to ensure you're on the right level of cover and check on any gap payment you may be required to pay. For practical information about what to expect during your hospital stay, how to prepare, how much it may cost you and what happens after you are discharged see healthtopics.hcf.com.au You've seen better days, for sure. You're on your back with a drip in your wrist, you can't focus your eyes and you can't get comfortable. The doc has just been round, a different one to last time so you've had to answer all the same questions again. Right next to you the television is blaring. Clearly your neighbour is feeling a lot better and you are counting the days until he is discharged and you can get some sleep. That's if the snorer in the opposite bed actually tur ns on his side, which under the circumstances is unlikely, since he has IV lines in both arms. This is what a hospital stay can be like for a lot of people. In addition to the issues involved with their condition and treatment there are the challenges of the environment and coping with others in it. And it could also be that they have waited months and months for that bed in order to receive much- needed treatment. "Going into hospital for a procedure can involve challenges and hurdles over and above the medical issues, such as environmental factors and the stress of dealing with other people, especially when it's a different doctor every time," says Dr Andrew Cottrill, HCF Medical Director. "Having private health insurance gives you a degree of control over the unknowns, which can be a great comfort in trying and difficult times. "It's about choice of doctor, reduced waiting times and the availability of single private rooms," he explains. Be in control Private health insurance provides the reassurance of having some control over how you deal with your medical needs, especially when that requires admission Some of the strongest arguments for having private health insurance are factors that you would never normally think about -- until you have to. It's a matter of choice to a hospital. It covers the critical element of access, Dr Cottrill says, "because going through the public sector means that you're not in control and don't have the choice of who treats you". "Having your own specialist means a lot to many people, especially when they are undergoing a challenging experience," he says. There is a raft of benefits associated with this, he explains, including consistency of treatment. "With private health cover you have the ability to choose the best treating specialist for you with your GP ahead of time and develop a relationship with them." That means you will both be on the same page in regard to treatment options and the need for family consultations, for example, or even just time to absorb new information about your condition. Timeliness is another very important factor, Dr Cottrill advises. "Instead of facing unknown waiting periods you get peace of mind of knowing you can have your hip or knee replacement surgery, for example, sooner rather than later with your own choice of doctor." Finally if you have to undergo a hospital procedure, isn't it better to do so in some degree of comfort? "Going into hospital can be a difficult experience for people and simply the availability of a single private room can help," he says. "More and more private hospitals are providing single private rooms which can give patients privacy and peace and quiet, compared to a public hospital where you can't choose your neighbours!"
HCF Fit and Well Winter 2015
HCF Fit and Well Winter