Out of pocket costs and your private health insurance

State NSW, Top hospital and extras. BUPA
What annoys me is the so called “preferred providers” applies to both medical and dental.
e.g If I use a “preferred dentist” then I get more rebate. The dentist I go to is a 10 minute walk, he is not a “preferred dentist” The closest “preferred dentist” is a 30min drive each way.
Same applies to hospitals, I get a bigger rebate if I go to a "preferred hospital.
Also the misleading advertising that implies that if you have top hospital cover, you will have a private room. I have had the misfortune of have regular admissions to hospital. Every time it is a fight to get a private room. The reason always given “there are no single rooms” But after a standoff the staff always find a private room.

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