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Our health insurance expert, Steven Spicer, has some tips on finding a health insurance policy that meets your needs.
When considering health insurance, it’s important to make sure you’re getting the right level of cover for your health needs and budget. Think about what your healthcare needs are and look at policies that can meet your requirements. Choosing the right level of cover will help ensure your needs are met without you spending money on inclusions you won’t use.
Life is constantly changing and so are your health insurance needs. The good news is you can change your policy as you age and your life changes. Regularly checking your policy allows you to consider what inclusions are no longer relevant to you and what upgrades you may need.
Whatever policy you choose, it’s essential you understand what you’re covered for and what you’re not. Reading the policy documents will provide the details of the inclusions and exclusions of your cover.
An angiogram is an image created through the process of angiography.1 During an angiography procedure, a liquid contrast agent (a special contrast dye) is injected into your bloodstream through an intravenous catheter (also called a cannula). The injection of contrast dye makes your vessels more visible during x-ray procedures and more recent techniques also use CT scans and MRI scans. For a coronary angiography, you may be required to take a beta blocker before the procedure to lower your heart rate. A radiologist will perform the angiography, while a radiographer will operate the x-ray machine.
Angiogram procedures are defined by where in the body they’re performed. Some of the most common angiography procedures include:1
Your healthcare professional or cardiologist may want you to have an angiogram to help detect and investigate issues like:1,2
Along with the diagnosis, the following issues can potentially be treated through conventional angiography:1
The cost of an angiogram will vary depending on the specific procedure being performed. Below are the expected costs for coronary angiograms:
Type of procedure | Medical Benefits Schedule item number(s) | Typical specialist fees | Median amount of specialist fees covered by Medicare | Median amount of specialist fee covered by health insurer | Median out-of-pocket cost for patients | Hospital Fees (including accommodation and theatre fees) |
---|---|---|---|---|---|---|
Heart angiogram with or without catheterisation |
38254 38251 38248 38249 38252 38218 |
$1,800 | $890 | $680 | $70 | $4,400 |
Percutaneous coronary intervention with angiography |
38313 38311 38246 |
$3,300 | $1,700 | $1,400 | $100 | $14,000 |
Source: Australian Government Department of Health and Aged Care: Medical Costs Finder. Current as of November 20243,4 |
Yes, private hospital insurance can potentially cover angiograms, depending on your level of cover. Coronary angiograms fall under the ‘heart and vascular system’ category, a minimum requirement for Silver and Gold tier levels of hospital cover. Medicare covers 75% of the MBS fee (the fee set as the reasonable cost for the procedure), and your health fund will cover the remaining 25%. Your policy may also help pay for accommodation fees and theatre costs. Keep in mind, though, that there may be a ‘gap’ between the MBS and specialist fees; depending on your policy, your health fund may cover all of this gap payment, or you may have some out-of-pocket expenses.
Having health insurance allows you to be treated as a private patient, which has a range of benefits over being a public patient, including:
If you go to a bulk-billing facility, Medicare will cover some angiograms (such as retinal angiograms). You may have some out-of-pocket expenses if you go to a private clinic that doesn’t bulk bill.
Coronary angiography performed through the public health system will be covered by Medicare. However, public hospitals often have lengthy waiting lists due to the demand for health services. How long you’ll have to wait can depend on where you’re located and your procedure.
As the Executive General Manager of Health, Life and Energy, Steven Spicer is a strong believer in the benefits of private cover and knows just how valuable the peace of mind that comes with cover can be. He is passionate about demystifying the health insurance industry and advocates for the benefits of comparison when it comes to saving money on your premiums.
1Health Direct ‒ Angiogram. Accessed October 2024
2Health Direct ‒ Coronary angiogram. Accessed October 2024
3Medical Costs Finder ‒ Heart angiogram with or without heart catheterisation. Accessed October 2024
4Medical Costs Finder ‒ Percutaneous coronary intervention with angiography. Accessed October 2024