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Lifestyle



                                                                                                           Contents




                                                                                  Body & Mind                                                         12
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         SENIORS WANT CRACKDOWN ON HEARING-



                                 HEALTH “HORROR” STORIES



       Continued from page 1
       to allow older people to age in their own homes and   “With such overwhelming support for choice, we need   In a  submission  to  the  Senate  Inquiry Value  and
       communities, rather than moving to nursing homes.  to reform consumer-directed care to make it work and  affordability  of private health insurance and out-of-
          “This is like shifting from a ‘command’ to a   ensure we don’t throw the baby out with the bathwater.”  pocket medical costs, National Seniors said the next
       ‘market’ economy,” Prof McCallum said. “But what    Prof McCallum said National  Seniors was eager  price rise –  around six per cent – would come on top
       we found was that people don’t know what to buy or   to work with the Federal Government to ensure the  of soaring power prices and changes from last January
       how to buy it, and the system can’t respond without   success of consumer-directed home care.       to the Age Pension means test.
       change and further development.                     Meanwhile, seniors could be forced to downgrade   “Those changes adversely impacted around 30,000
          “The experience here in  Australia is what’s   their level of cover or drop their health insurance  part-pensioners, many of whom are now struggling to
       happened elsewhere in the world during the start-up   altogether, if premiums continue to rise unchecked.  maintain health insurance,” Mr Ian Henschke said.
       phase of consumer-directed  systems. People,        As health insurers prepare submissions supporting   “Our members have told us they want to keep their
       particularly those who are most vulnerable, just aren’t   their case for a hike next April, National Seniors Australia  health cover so they can avoid lengthy waiting lists in the
       used to having choice, and we must ensure that we   is raising concerns about issues driving seniors away  public hospital system and have the doctor of their choice.
       don’t allow the system to fail at the starting gate.  from health cover at a time when they need it most.  “But the higher insurance premiums mean they
                                                                                                           are  downgrading  their  level  of cover  with products
                                                                                                           that  have  higher  excesses,  co-payments  and  more
                                                                                                           exclusions, just to avoid dropping the private health
                                                                                                           cover altogether.
                                                                                                             “National Seniors’ research has also shown us that
                                                                                                           93 per cent of people aged over 75 have at least one
                                                                                                           chronic condition, while 77 per cent of people aged
                                                                                                           between 50 and 64 have at least one chronic condition.
                                                                                                             “Many of them could return from an unavoidable
                                                                                                           hospital stay or course of treatment and find themselves
                                                                                                           thousands of dollars out of pocket due to gap payments
                                                                                                           and  product  exclusions,  which  can  be  difficult  and
                                                                                                           confusing to estimate. They usually come as a nasty
                                                                                                           surprise when making a claim.”
                                                                                                             Mr Henschke said most seniors with health
                                                                                                           insurance would have been paying their premiums for
                                                                                                           decades during which health funds would have reaped
                                                                                                           the benefits of fewer claims.
                                                                                                             “National  Seniors is calling  on the  Federal
                                                                                                           Government  to explore  all  options to improve  the
                                                                                                           affordability  of  premiums,  including  the  pricing
                                                                                                           arrangements  between  health funds and providers,”
                                                                                                           Mr Henschke said.
                                                                                                             Information supplied by National Seniors
                                                                                                           Australia.

       4 Summer 2017 | The Go55s Newspaper
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