Is Medibank Private made things difficult to make a claim

Yes, I believed so. Through my multiple encounters with the Medibank Private, I do feel that they are deliberately making the claim process (at least the Medical claims) vague, confusing, and paper base to delay the rebate payment. However things are improving -very slowly.

Is making an Extra Claim with Medibank Private easy? What I found the process to make an “Extra” claim- fair enough, click on above link to see the details. However this is not the case for making other claims.medical-cross-2-1211409-1280x1280

Lets now talk about “Hospital” and “Medical” Claims. Hospital Claims – I loved it – I never seen a single bill!! I was administrated in a Private Hospital for 4 days and I don’t even know how much it costed. I probably have to mentioned my plan have Hospital Cover. After been with Medibank over 20 years, I finally feel it has being put to a good use.

Medical Claim OMG this process is a nightmare, I had my operation last September and now is May the claim still on hold due to ‘missing information’. Serious?! I have OK intelligence (I believe) and did a bit of reading on Medibank website before operation and I had few doctors and nurses friends explained a bit about the process but I still not able to close this sooner and had been calling and running around between Medicare and Medibank. Boiled down the issues all come to one conclusion- “I believed Medibank is making the process very difficult for people to make a Medical claim”. Few reasons 1-The website did not explain the full process. 2 -The claim can not be made online, you need to print and mail and it did not tell you what is required to be included. 3-They need a ‘Statement of Beneficiary’ from Medicare which you are not able to get online but have to go to Medicare to ask them for print out. None of these make sense and they can make simple modification if they cares about their customer.

So, after all the hard learning “Here is how to make a medical claim with Medibank Private”?

Is making an ‘Extra’ claim with Medibank Private easy?

Yes, it is quite straight forward. However there is a huge missing piece information that prevent you making a conscious purchasing decision.

The process to make an “Extra” claim- easy enough, if you are familiar with online banking, purchasing stuff online then this should be no problem for you. The receipts you obtained from clinic and practices are very clear and you are able to punch in the information directly from the receipts to complete the claim. However,  what annoys me is you are NOT able to know the services you done is claimable or not, unless you spent the money and got the service code to punch in the system to make the claim. I spent some time searched up and down trying find a webpage/app that able to let me know if my plan cover the services after put in the service code or even a description of services  – better even if it tells me how much I will get rebate. However there is no such thing. The medical services are super technical – I was trying to match the description to my cover item – there is no way I would know Code 121 Remineralising agent-app will be rebated? If yes how much? Seems to me we still operate on the ‘Trust’ system here, I do hope you have friends in all medical fields that helps you make an informed decision.