@mathilde9 said:
@haringkingking said:
@_sebodemacho said:
@casssie said:
@whimpee said:
@casssie said:
Hiii (so... page 36 pa lang ako HAHA)
anyway, sa mga nasa AU na, kumuha pa ba kayo ng private health insurance? from what I know, may levy daw pagdating ng tax season if wala nun. can anyone enlighten me?
Yes, may additional medicare levy if you don't have private health. But this is only if you exceed the income threshold. Generally recommended pa din to get private cover.
ah. new information saken hehe thank you! 😊
Yuing Medicare Levy Surcharge only happens when you dont have private health insurance, and you reach a certain threshold of the combined household income. It is well possible to reach that kung dalawa kayo nagwowork. https://www.ato.gov.au/individuals-and-families/medicare-and-private-health-insurance/medicare-levy-surcharge/medicare-levy-surcharge-income-thresholds-and-rates#ato-Incomethresholdandrates202324
But, what's more concerning is merong Lifetime Health Cover Loading na tinatawag kapag pinatagal nyo pa yung hindi pagkuha ng private health. If you are 30yo and above, every year over 30 na wala kang private health may patong na 2%. So, kung 35 ka ngayon, 5 x 2 = 10% na patong. https://www.bupa.com.au/health-insurance/why-health-insurance/tax/lifetime-health-cover
Now meron leniency na binigay for new PRs na over 30yo who just moved to Australia. Para maiwasan mo yang LHC, you better take out cover within the 1st year of your residency as PR. When you register for Medicare, merong checkbox to tick to receive the LHC Letter, that's your proof of first registration to Medicare, the private health provider will require you of that. Kung hindi nyo sya napansin, that's fine, you can simply call Medicare to request for the letter per person.
We took out cover on the last month of our first year, para lang makatipid rin kahit sa unang taon 😃
In an ideal world nga sana, wala na dapat private health kasi you already paid for Medicare. But thing is, may mga services na hindi pa rin talaga covered ng Medicare, like ambulance (oo, pag may emergency at wala kang private health, pagbabayarin ka ng ambulance fees after. Imagine, nagka emergency ka na nga't lahat. lol), dental, optical or commonly known as the "extras". Sulit na sulit namin yung dental and optical na yan, though meron pa rin kaming konting pay out for optical haha!
Pros and cons sya. Guess the best way to look at it, is that you are covered in both worlds - public and private health. 🙂
+1!
Yup sulit na rin talaga, kaya todo take advantage na lang sa extras para kahit papano magamit mo 'yung at least half ng worth ng binayad mo for the year 😛
Applicable din siya for 491 visa holders 🙂
Questions:
(1) Yung basic without extras for example sa bupa, comparable ba sa coverage ng medicare?
(2) Yung extras na meron sa bupa, usually hindi covered yun sa medicare?
(3) Kapag medicare lang, sa govt hospitals lang ba ako pwede magpa consult / admit if issue ang budget?
(4) Kapag annual tax filing, pwede ko ba isama yung private health insurance ko sa parang tax relief (di ko alam tawag sa au)?
Responses (based on what I know lang ah):
(1) Yup, actually sa intindi ko, more of may access ka lang talaga sa specialists (based on the package na kinuha mo; may different levels: mas maraming covered, mas mahal haha) if ever and sa private hospitals kapag may private hospital cover ka. Maganda rin 'yung ambulance cover na kasama na sa BUPA packages, though may option na ambulance cover lang. Naka-5 rides na anak ko sa ambulance (approximately $1200 per ambulance service) within 2 years kaya medyo nasulit ko na rin talaga hahaha
(2) Yes. Yung extras ay mostly yung mga "extra" medical services talaga like general and major dental, optical, physio, mental healty, chiro, etc.
(3) Yup, okay naman na talaga ang medicare. Nag-private insurance lang din talaga ako for tax purposes and a little extra coverage for ambulance and dun sa dental/optical services. Kesa ibayad ko sa medicare levy surcharge, gamitin ko na lang sa private insurance 🙂
(4) Yup masasama/madedeclare siya sa tax computation