Elective surgery versus Private Health Cover
I'm curious about free elective surgery compared with private cover. You've probably heard the scenario of a man has a heart attack, is uninsured, he gets operated by the top heart man and it costs him nothing. Another man with private health insurance has a heart attack, gets operated on by the same man and has to mortgate his house to pay the gap. Is there anyone out there who has been on the waiting list and had a positive outcome. In other words, is our health system as crappy as we think it is.
Elective Surgery
Elective surgery is typically surgery that can be delayed for at least 24 hours. Patients are placed on a waiting list. More than 556,000 admissions in 2006-07 were for elective surgery from waiting list. For elective surgery specialists assess the clinical urgency of their patient’s condition and categorise it as one of three levels.
Category 1 Admission within 30 days desirable for a condition that has the potential to deteriorate quickly to the point that it may become an emergency.
Category 2 Admission within 90 days desirable for a condition causing some pain, dysfunction or disability but which is not likely to deteriorate quickly or become an emergency.
Category 3 Admission at some time in the future acceptable for a condition causing minimal or no pain, dysfunction or disability, which is unlikely to deteriorate quickly and which does not have the potential to become an emergency.
Other Surgery
Other procedures are not normally assigned an urgency category, for example, admissions for childbirth that results in caesarean surgery, or a newborn baby that requires surgery.
http://www.health.gov.au/internet/main/publishing.nsf/Content/E6CAF670D550F646CA25747700074A51/$File/Our%20surgery.pdf
IMO Toot private cover really just gets you in the door quicker--but once you get there it costs fortune--