Cost of Giving Birth

TasBurrfoot · June 2013

Malaking bagay pa rin ang 5K baby bonus at 15K FHOG kahit pa planned or financially stable na ang tao. Kung ang moral support nga malaking bagay na, yung cash pa kaya? Hehehe. So nakakalungkot pa din isipin na unti-unti na nilang binabawasan yung benefits. Tumataas na ba ang unemployment rate ng AU?

unemployment around 5.5% as of last report...

Yup binabawasan nila... Okey lang din, better pa rin that Singapore diba @jengrata? Wherein there are double standards between citizens and PRs...

Sa Australia, more or less patas ang citizen sa PR eh...

jengrata · June 2013

@TasBurrfoot True. Parang wala nga silang definite standard dito eh. Maisip-isip. Depende sa reactions ng mga citizens nila. Dati ok nung ung matandang Lee pa ung PM. Ngaun daming changes. Maybe because SG is too overcrowded now, having 65% as foreigners. Buti na lang ang laki ng Au. Kayang kayo tayong i-accommodate lahat. Hehehe

li_i_ren · June 2013

http://www.news.com.au/money/federal-budget/federal-budget-2013-baby-bonus-will-be-axed-to-get-working-australian-parents-off-welfare/story-fn84fgcm-1226642448775

http://www.theaustralian.com.au/national-affairs/baby-bonus-to-be-axed-in-budget-report/story-fn59niix-1226642350546

Also read...2k lng if first born, 1k for next kids but also it seems maraming pabor na tanggalin eto completely.
Ok nga dba may financial help when u have a baby... But if u think of it this way. As a new migrant, If u have a baby and u dont have work, you cant look for work either kasi no one will look after baby. You lose a year's worth of income or the potential to look for work.

Mas mabuti to have work.. Have tenure at work and avail of maternity leave and be paid while on leave than expect something like the baby bonus. Yan lng sentiments ko nyan.

First home buyer grant ...not all states meron. Also only if brand new or newly built house. But for abolishment na din toh...
http://blog.realestateview.com.au/2013/04/first-home-to-be-worse-off-after-july-1/

May income test ang baby bonus...not all eligible.
Income test for Baby Bonus
Baby Bonus is payable if your family's estimated combined adjusted taxable income is $75,000 or less in the six months after your child is born or enters your care.

You have up to 52 weeks from the birth of your baby or from the time your child enters your care to claim Baby Bonus and provide your income estimate. If your income is initially too high or your circumstances change, you should tell us immediately and we can reassess your claim.

Ang issue naman ngayon if you watch the news..(current affairs sa channel 9) and read the papers... Gusto naman nila i-abolish ang 457 visa kasi daming aussies walang work kasi it goes to foreign workers. Sabi ng govt d daw yan issue pero it is the ozzie unions pushing for it to be reviewed.

http://www.news.com.au/national-news/federal-election/visas-crackdown-82168217not-in-the-bag82178217-says-opposition/story-fnho52ip-1226666085058

But dont know if that will happen... So like me i really want to sort my p.r na.

I work in health... According to our social worker, slowly but surely australia is cutting down on its welfares but d lng lumalabas lahat sa news. Yung mga disability allowance, respite care, carers allowance etc.

Malaki ang land area ng australia but d naman lahat yan habitable eh. So for those coming here..have a sense of urgency na you need to be here na kasi there will be changes and these changes may not be beneficial to migrants. Of course, australians have to look out for themselves first. If they can get people off benefits and back to work then mas ok for them.

Pero comparing to singapore..i guess d din fair comparison. At least mas humanitarian ang australia pero mahirap i maintain ang welfare system if maraming umasa nito. Cut backs will be the norm until yung pinaka basic na lng but sustainable maiiwan.

li_i_ren · June 2013

Like example.. Yung bata namin on tracheostomy ( paki google na lng) if they need a sort of home ventilator before sagot yan lahat ng govt pero ngayon half and half na with the parents kasi for long term use yan eh.

Ung mga consumables nyan... Parents are advised to sterilized them at home and reuse. 10-20 yrs ago may supply pa daw sabi ng trache nurse namin but ngayon kunti na lng budget.

One parent i know nag fund raising para maka bayad sa renta ng machines kasi she cant work..main carer sya ni baby.

I know a parent.. She had to sell her business ( pero mayaman si madam) but for the last 17 years she has been looking after her child kasi when she gave birth nawalan ng oxygen sa brain yung bata.. Disabled. I asked if she get a break... The govt only gives her 200-400 a week that is not enough for the consumables they use like nappies.. Creams , suction catheters, feeding tubes for the peg etc.

Nice to have babies.. Pero specially as a migrant and most likely as an employee lng in au. I believe it should be planned and dapat prepared ka. Not all pregnancy straightforward.

Im saying this kasi there people not necessarily pinoys.. Come to au and have babies right away para citizen si baby. I mean if you just wait until you are settled..same outcome lng naman din plus mas prepared as a family.

As a nurse mas nakikita kasi namin and we feel what cut backs can do.. Frontline kasi ang health. From doctor shortage dahil walang budget to hire one to waiting time for surgeries.

Punta ka sa centrelink page... Ang ganda mag basa may benefits and such but people dont realize that the welfare system cuts back on other aspects of the budget. The thing is taxes natin yung most benefits but once nasa certain income bracket ka..d ka eligible for most benefits. It goes to either those in need which is ok or those who are too lazy to work na medyo marami din dito. Money dont grow on trees..not even in australia.

nfronda · June 2013

@li_i_ren..Thanks sa info..Very helpful for me planning to have a baby..

Pro mdyo natakot na akong mbuntis..hehehe..We're newly wed ksi, den ung husband q gus2 na mgkababy.. Pro hndi pa rin binigay samin.. But anyway, kng ibibgay samin tatanggapn ko ng buong buo, blessings ksi yan ehh.. Den my maternity leave na rin aq ksi over 2 yrs na aq sa company q and gud thing sa wrk q ay pwde mdala c baby sa ofis.. \:D/

vhoythoy · June 2013

Pa ot lang. If you can have a baby lalo na first baby then do it its a blessings kahit hirap pa. It took us more than 6 years ng wife ko bago kami nagkaanak and sobrang kinabahan na talaga ako. Kahit nabawasan income namin right now iba pala feeling ng may baby hehe. May mga bagay kasi na minsan mahrap planuhin. Tagal namin plinano magkababy kasi pero recent lang tlga nabigyan. Goodluck

JCsantos · June 2013

We have not experienced this one but I definitely encourage people to take a Private Medical Insurance first if you are planning to have a baby ...

there were once a news regarding a patient gave birth assisted by another patient this was in blacktown ...

Inde kami satisfied sa mga hospitals dito .. matagal ang response time nila

kookie420 · June 2013

^ agree with you @vhoythoy. I guess, different strokes for different folks. I understand na mahirap ang magkaroon ng anak and kailangan prepared ka - financially, emotionally and physically. but sometimes, life happens, in the most unexpected way. and some people would want to be prepared for the worst, ie, having kids with health issues. for me, we just have to deal with what he have right now, because we cannot take it back anymore

alexamae · June 2013

nice topic.

akino · June 2013

we’re just a newly-arrived migrant then( barely 2mos) when we found out that we’re having another baby..(made in australia, haha!)..I would say we’ve got a really nice experience nung nanganak c wifey last year d2 sa Canberra Hospital..they have this newly-opened Centenary Hospital for Women and Children so the facilities were really good..we’re actually the first batch to use the brand new building and facilities..We stayed there for 5 days kc underweight c baby nung pinanganak and nagka jaundice cia, so they don’t want to send us home until our baby gains weight and the jaundice subsides..for a 5-day stay, we didn’t pay any single penny (wla kami private health insurance, medicare lang)..may mga take home baby kit pa kmi..=) and nung nkauwi na kmi, the assigned midwife visited us at home few times to check if the mum and bub we’re doin ok..na-avail din nmin ung 5k baby bonus,installment ang payment fortnightly for 5mos which was really big help for us.

cguro depende sa priorities nyo yan as a couple, career or having a baby?.. it’s up for you to decide kc sometimes what works for us might not work for you,..sa case nmin it’s one of our priority kc medyo malayo na ung age gap ng kids nmin (5yrs)…plus the fact that our biological clock is ticking, mas mahirap atang gumising sa madaling araw para magtimpla ng gatas pag nirarayuma na..hahaha!..though it’s true na mahirap talaga ang childcare d2,(my wife has to give up working) it’s still priceless to see how your family is growing..and also you will realise na malungkot d2 pag wla o isa lang anak mas masaya pa rin ung may mga nagungulit sayo na mga bulilit pag-uwi mo after a day’s hard work....

jengrata · June 2013

@akino nice to hear positive stories like this. Nakaka-inspire. Mahirap din naman kasi pag inuunahan ka ng takot and worries. Of course there will always be bumps and hurdles along the way especially if having a baby because its one of the biggest, if not the biggest, responsibility one can ever have. But its the most rewarding feeling one can ever experience as well, totally priceless. A child makes your life happier and more meaningful.

Agree with @vhoythoy and @kookie420 . Sometimes, even the most planned scenario may still go wrong. And preparation is not always applicable until you experience the real thing. Rule of the thumb naman yung "prepare and plan" sa lahat ng pagkakataon. But at the end of the day, you just have to know your means, resources, limits, priorities and responsibilities. Although worst scenario is always a possibility, theres also a chance, hope and faith to make things better.

Making a living is different from making a life.

aprilcruise · June 2013

ask ko lng kung may mairerefer kau na GP sakin near Beverly Hills. nagsesearch ako ng GP sa healthengine.com.au kaso parang ang hirap mamili..im 5mos preggy and gs2 ko sna magpacheckup since kadarating lng namin d2 sa sydney. tama ba sa GP ang checkup ng pregnant women?

kremitz · June 2013

Kung dito saten sa OB dapat pag preggy

kookie420 · June 2013

@aprilcruise congrats and good luck. sorry I can't help you as of the moment, wala pa akong alam kasi wala pa ako dyan. I hope you'll have a smooth and healthy delivery. Balitaan mo naman kami dito kung ano steps ginawa mo when you first found out that you were pregnant up to your delivery.

Sa mga nasa Sydney, tanong ko po if alam nyo kung ano ang public hospital na malapit sa Sutherland Shire? TIA.

quing22 · July 2013

hi guys, my wife is 1 month pregnant. Ask ko lang if my idea kayo if how much ang prenatal checkup? hindi kasi covered ng healthcard namin. TIA

Nadine · July 2013

hi guys, my wife is 1 month pregnant. Ask ko lang if my idea kayo if how much ang prenatal checkup? hindi kasi covered ng healthcard namin. TIA

Sir, unang-una, congratulations po sa inyo.

Ask ko lang, by health card, I am assuming hindi eto health insurance ano po? Alam ko iba to eh. May medicare po ba kayo? Medicare oughta cover the initial GP consults with your wife. And pati prenatal medicines up to the PBS, basta may prescription lang from your GP. Madami po checkup na mangyayari in the course of her pregnancy. Isama na growth and morphology scan na medyo may kamahalan. Tingnan niyo po kung meron kayong health coverage: Medicare or health insurance.

Saan state po kayo?

caylin · July 2013

Today I found out I'm 2 Mos preggy and was just granted PR today also. Ied ko is jan 15, edd ko is Feb 24. Di ako makapagdecide kung after Kong Mag initial entry sa Sept eh uuwi ako dito sa pinas para manganak or sa oz na ako manganganak tas Uwi ng pinas. Ano kaya mas magandang option?

jengrata · July 2013

Today I found out I'm 2 Mos preggy and was just granted PR today also. Ied ko is jan 15, edd ko is Feb 24. Di ako makapagdecide kung after Kong Mag initial entry sa Sept eh uuwi ako dito sa pinas para manganak or sa oz na ako manganganak tas Uwi ng pinas. Ano kaya mas magandang option?

@caylin take note of the clause below:

Children born to a permanent resident of Australia:
Children born in Australia automatically acquire Australian citizenship if at least one parent is an Australian citizen or permanent resident at the time of the child's birth.
Children born outside Australia to parents who are not Australian citizens do not automatically acquire Australian citizenship, nor are they eligible for citizenship by descent.
Children born outside Australia to permanent resident parents will need to apply for and be granted a permanent residence visa to be able to enter and remain in Australia with their parents.
Most children born outside Australia to permanent resident parents will need to apply for a Child (subclass 101) visa. The current processing time for the Child (subclass 101) visa is approximately 14 months.
All people who apply for a visa, including applicants who are the children of permanent residents, must meet the eligibility requirements and pay the associated charges for the relevant visa.

Kapag sa pinas ka nanganak, need mong i-apply si baby ng visa. Additional fee, additional time for processing. Congrats nga pala sa 2 good news.

annie23 · July 2013

@aprilcruise hi! sa may beverly hills kayo ngaun? lapit lang kami, will ask around about the GP.

caylin · July 2013

@jengrata thanks for the info. Ang worry ko kasi eh ung cost din of giving birth sa oz. Sabi ng agent ko libre daw akong manganak dun. Naconfuse ako sa backreading ko. Covered ba ng medicare ang childbirth, maternity check ups sa bagong saltang PR?

jengrata · July 2013

@jengrata thanks for the info. Ang worry ko kasi eh ung cost din of giving birth sa oz. Sabi ng agent ko libre daw akong manganak dun. Naconfuse ako sa backreading ko. Covered ba ng medicare ang childbirth, maternity check ups sa bagong saltang PR?

Libre ang manganak sa public hospital. Of course, may bayad pag sa private. Dito papasok ung private medical insurance.

floradanica · July 2013

How bad is giving birth in a public hospital that one would choose to pay for a private hospital? Anyone who's had an experience?

jengrata · July 2013

How bad is giving birth in a public hospital that one would choose to pay for a private hospital? Anyone who's had an experience?

The word "bad" is really not applicable. Maganda ang mga public hospitals sa Au in terms of doctors and services, according to my research. Sabi ng bestfriend ko na kapapanganak lng sa Melbourne recently, facilities at waiting period lang ang difference. Sa public, shared ang room, open ward. Sa private, you can choose your own room. Ang nagpapaanak both public and private ay midwife. But i think you can ask for personal OB sa private kung maganda tlga ang insurance coverage mo. In terms of waiting period, dahil sa maraming pumupunta sa public shempre napupuno ang facilities at fully booked ang doctors. Sa private, makakapili ka ng doctors. Sa tingin ko people are choosing private over public dahil sa privacy, facility, urgent need and convenience.

JCsantos · July 2013

ganyan din sinabi sa amin nung ahente ng health fund ... "you are on a separate room"

How bad is giving birth in a public hospital that one would choose to pay for a private hospital? Anyone who's had an experience?
The word "bad" is really not applicable. Maganda ang mga public hospitals sa Au in terms of doctors and services, according to my research. Sabi ng bestfriend ko na kapapanganak lng sa Melbourne recently, facilities at waiting period lang ang difference. Sa public, shared ang room, open ward. Sa private, you can choose your own room. Ang nagpapaanak both public and private ay midwife. But i think you can ask for personal OB sa private kung maganda tlga ang insurance coverage mo. In terms of waiting period, dahil sa maraming pumupunta sa public shempre napupuno ang facilities at fully booked ang doctors. Sa private, makakapili ka ng doctors. Sa tingin ko people are choosing private over public dahil sa privacy, facility, urgent need and convenience.

floradanica · July 2013

@jengrata CS kasi ang firstborn ko so most probably CS din ang susunod ko. Wala pa naman pero just imagining the scenario. Mukhang mas convenient ang private kung ganun. Thanks for the story

Ano bang mga insurance madalas gamitin pag kasama ang pregnancy and giving birth costs?

jengrata · July 2013

@jengrata CS kasi ang firstborn ko so most probably CS din ang susunod ko. Wala pa naman pero just imagining the scenario. Mukhang mas convenient ang private kung ganun. Thanks for the story

Ano bang mga insurance madalas gamitin pag kasama ang pregnancy and giving birth costs?

Same here, CS din ako. I think halos lahat ng insurance company ay may packages for pregnancy, pero these are bit expensive, kasi ito ung parang mga high end yata nila. Check mo tong thread na to. May nagbigay jan ng website wherein you can compare insurance companies, their packages, coverage and prices.

http://pinoyau.info/discussion/794/private-health-insurance-in-australia#Item_64

kremitz · July 2013

How much po ba usually pag kumuha ng private insurance?

floradanica · July 2013

In essence, private insurance is for non-PRs, since they are not covered by Medicare. But since the government imposes tax to your income if you do not have a private insurance, it will be more beneficial for you if you had one. Kakaltasan ka rin nila kung wala kang private insurance. Pero ang tanong: Bakyyeet? Bakit ka kakaltasan kung wala kang private insurance? edi parang binayaran mo na rin yung medicare benefits mo? huh? ang gulo haha!

Pakilahad sa husgadong ito ang tunay na mangyayari.

jengrata · July 2013

In essence, private insurance is for non-PRs, since they are not covered by Medicare. But since the government imposes tax to your income if you do not have a private insurance, it will be more beneficial for you if you had one. Kakaltasan ka rin nila kung wala kang private insurance. Pero ang tanong: Bakyyeet? Bakit ka kakaltasan kung wala kang private insurance? edi parang binayaran mo na rin yung medicare benefits mo? huh? ang gulo haha!

Pakilahad sa husgadong ito ang tunay na mangyayari.

Ah tlga may "extra" tax para sa walang insurance? Ang alam ko lang tax deductible ang private insurance. So yung binabayad mo eh ikakaltas din sa tax, parang offset lng din.

JCsantos · July 2013

Ah tlga may "extra" tax para sa walang insurance? Ang alam ko lang tax deductible ang private insurance. So yung binabayad mo eh ikakaltas din sa tax, parang offset lng din.

Agree with this one.. parang offset lang din ... ang maganda lang nyan pag meron kang private insurance ... na ooffset mo na yung payment mo sa medicare ... meron ka pang beenfits ...

to know more you can ask a accountant to clarify for you

kami gamit na gamit namin ang private insurance namin ... meron kasing glasses ang anak ko .. tapos dental checkup annually