Vic Wasteland Thread

[Kinkstaah]

I never got why Ay Ay Ron was that funny.

Unless you specifically know a guy called Aaron that consistently makes mistakes.

Also apparently I missed the memo on health insurance.

Did research about a year before I needed an operation, about 18 months prior. When I did the math, the coverage I needed to HALF cover the procedure was $580 a month, which ended up as you'd imagine being more than the out of pocket expense for the thing just paid up straight.

So I never got it. Where'd I go wrong? This was through iselect too, at the time.

Also re: loans.

20k loan?

lol.

There's errors everywhere

First of all someone who needs 20k when a bank will not provide it

Secondly, a person who will actually give 20k to someone without asking the question as to why a bank won't or refused to

Thirdly, lending the money after the first two points were considered, banks are pretty happy to lend money to people when they know they can't pay it. If the bank has said LOL NO then yeah.

Never lend money. Just give money to people if you want to help or would rather not buy a classy vase as a gift instead.

[Birds]

You didn't go wrong, the health insurance companies got it right. They're a business like any other, to make money. They've calculated procedure costs and built it in to their waiting periods so that people like you don't just sign up to get cheaper surgery that you already know you're going to have.

$580 is a huge monthly premium too! Basic hospital cover is much, much cheaper and probably the biggest advantage of having private health insurance, along with common extras like physio and dental and glasses.

[Kinkstaah]

That's what I had figured, there was no way that it turned out cheaper to have private health insurance for this specific thing (which was dental/jaw surgery)

But yeah, to pay $15000 in premiums or whatever, for them to only pay half of the procedure (which was less than 10k) seemed dumb, when I could pay it out of pocket and then claim 20% (I forget ratio) back through tax when medical expenses were over $1500 per year at the time.

Left a bad taste in my mouth.

Wondered why anyone would have private health insurance given the bonkers cost.

But then someone mentioned $70 a month which seems quite reasonable.. well, relative to $600 a month.

[UNR33L]

Lee you play iRacing yea? how you find it? might get into it

Picked up a cockpit/simulator pretty cheap to seat my g27 on

[Leroy Peterson]

I know Lebanese people who woukd lend that amount to family or close friends...

[Leroy Peterson]

Lee you play iRacing yea? how you find it? might get into it

Picked up a cockpit/simulator pretty cheap to seat my g27 on

Yeah I enjoy it. Don't dedicate too much time to it out of the sau series. Practise can be fun if in the mood.

I mainly enjoy playing more fun games with the wheel though. Wreckfest, that Italian racing game is on steam and Euro truck simulator are surprisingly fun. Can't wait for oculus rift support

[joeyjoejoejuniorshabadoo]

Fkn lol greg you spastick

It's insurance not cheap surgery.

you can't just sign up when you need it.... do youv think shannons would give you policy if you rang them up and said you just had a smash and were looking to reduce costs?

[dezz]

inb4 m. night shyamalalalan twist...

Mohsen is the mate who borrowed the money...

I was leaning more towards him being the dumb flamin mongrel that lent them.the money.

hes avoiding him. he knows where he lives.. i think i might go with him to see him over the next couple of days.

Shiiiit that'll make him pay.

I'll get him his money back, it the guy who borrowed it isn't a complete deadbeat or has nothing of value...

Your mate will only get 10k back, but 10k is better than $0.

[joeyjoejoejuniorshabadoo]

FWIW I pay $110/m for the family (4) with medibank corporate.

My hospital stay was $500 (excess) and medibank pick up the rest.

There are some exceptions though, bills have to be claimable on medicare before private will touch them.

So that means any emergency stuff will be covered but things like cosmetic aren't

[joeyjoejoejuniorshabadoo]

Moh and Greg should hook up

[xALmoN]

i kinda wanna call mohsen's work up.

[Kinkstaah]

Fkn lol greg you spastick

It's insurance not cheap surgery.

you can't just sign up when you need it.... do youv think shannons would give you policy if you rang them up and said you just had a smash and were looking to reduce costs?

No, I knew I was having surgery eighteen months later.

I'd have expected (maybe?) for it to cover it.

I was aware there was a 12 month waiting period before you could claim at all.

Which is fine by me.

But even in the scenario which would give the most benefit to the client (like insuring the day before you entirely write off a car) it was wildly not worth it.

Which made me wonder if it was actually ever worth it.

I realise insurance business are only in business because mathematically they are never worth it for the client, but was surprised at the sheer difference and money involved.

The thing is though, Emergency stuff should/is also covered by the public system.

Cosmetic isn't covered anywhere by anything.

So technically, what's the point?

Lets assume that you see good and bad medical assistance in both public and private venues.

[joeyjoejoejuniorshabadoo]

Good example would be my arm.

When i hyperextended it and smashed EVERYTHING in my elbow public hospital deemed it "elective" surgery and had a waiting list.

I went private and had the surgery that day from the leading elbow specialist in vic.

After the operation and I've he saw the extent of the damage he said that I'd i had not had the surgery that day and gone on a waiting list i would have had to fuse my arm into a fixed position or have a prosthetic joint installed

[joeyjoejoejuniorshabadoo]

Or when i went to emergency and was sent home 3 times despite telling them my brain was swelling.

The 4th and final time i went in i had a seizure followed by an emergency lumbar puncture... but only after i had been left on a bed screaming in agony until 4am.

I went straight to private and was kept there until diagnosed and fit to go home

[HEKT1K]

Good example would be my arm.

When i hyperextended it and smashed EVERYTHING in my elbow public hospital deemed it "elective" surgery and had a waiting list.

I went private and had the surgery that day from the leading elbow specialist in vic.

After the operation and I've he saw the extent of the damage he said that I'd i had not had the surgery that day and gone on a waiting list i would have had to fuse my arm into a fixed position or have a prosthetic joint installed

Have it fused at optimal beer drinking angle lol

[joeyjoejoejuniorshabadoo]

Obviously

[Birds]

It is mathematically worth it for the client, but only in the same way that car insurance is. It's a gamble on financial security. If you never claim on your car insurance then you can say it hasn't been worth you having it cause it was money spent with no return. If you frequently smash cars, then you will benefit, unless Moh.

Those under 30 GENERALLY subsidise the older health insurance clients who are more frequent visitors to medical establishments. These are the people insurance companies lose money on, but the gap (pun) is made up by those who don't claim as much. Premiums are also used to balance this.

Basic hospital cover is good because if you need a hospital it gets you off the public waiting list and can save you thousands. The other levels of cover you need to decide yourself if you're susceptible to injuries and diseases and blah blah - that's life, it's random.

[Kinkstaah]

Lets assume that you see good and bad medical assistance in both public and private venues.

So this is the kicker then, really?

[Rekin]

Never lend money. Just give money to people if you want to help or would rather not buy a classy vase as a gift instead.

Points for use of previous discussion points haha

[Rekin]

on another note;

SIMON where is my 'sau-vic' member tag. I paid for membership like last month.

My taxes membership pays your salary.