Do you need Singles Parents Health Insurance? Here’s everything you need to know before you make a decision on your health cover.

The life of a single parent is demanding and challenging. You’re constantly juggling the everyday needs of your young ones with those unpredictable moments. Not only are you responsible for caring for your children and putting food on the table, you’re also the one person who can ensure their health needs are met.

We know single parents need to be ready to handle anything your little ones throw at you. From the bumps and the more serious accidents to chronic illnesses, your children rely on you for care.

Taking out single parents private health insurance can mean looking after your children’s health is easier and more affordable. You won’t have to worry about waiting for treatment on a lengthy public hospital list or paying for expensive dental check-ups.

With several quality hospital and extras cover options available to suit your budget and needs, finding a policy that gives you great value is much easier when you know what to look for.

To help you find private health insurance that allows you to take care of your family, the Members Own team have put the following information together.

Why do single parents take out health insurance?

For mums and dads flying solo, life is especially hectic. The last thing you want is to worry about the unexpected costs of health care for you or your children.

That’s why more single parents are taking out some form of private health cover. For many parents, hospital cover is important to be able to provide their children with private care in the event they fall ill or get injured during a mischievous adventure. This could be anything from an emergency ambulance trip or an overnight stay in a hospital to remove tonsils.

For other families, extras cover allows them to meet the health needs of their children as they grow without having to budget for the substantial upfront costs or put off important treatment. Extras cover can help single parents shoulder the costs of physiotherapy, orthodontic work or even glasses.

There are other factors that drive single parents to get health insurance. Some want to avoid the Lifetime Health Cover Loading [link to LHC page] by taking out hospital insurance before they turn 31. Other parents may be eligible for the Private Health Insurance Rebate so they can enjoy receiving a percentage of their premiums back at tax time.

It’s important you don’t forget that even if you decide not to take out health insurance for you and your children, all Australians have access to the public health system if and when they need it. Children can also benefit from basic dental costs covered by Medicare until they’re 17.

If you’re ready to stay on top of yours and your children’s health, and think you’ve got a pretty good handle on the basics, you can always get started comparing policies online right now.

The Members Own team know as a single parent you’re likely to be time poor. That’s why our online comparison tool has been designed to show you a range of options from our not-for-profit health funds in a few short minutes.

Whether you’re looking for health insurance for single mothers or a policy for the solo dads, simply mix and match what your family needs from hospital and extras, and leave out what you don’t.

The Members Own Health funds exist to give their members more benefits and better coverage, while investing a higher percentage of your premiums to improve services and keep you happy. In fact, over one million Australians are already with one of our not-for-profit or mutual funds.

What kind of family are you?

Trying to find the best cover for you and your family? We’ve created a few profiles to help you clarify your health insurance needs. Along with each profile is some suggested options to help you find the level of cover that’s right for you. Of course, you’re free to mix and match to create your own health insurance combination.

Young single parent

You’re a young single parent focused on making the best life for your child. You’re healthy with no particular health issues but you’re also budget conscious. You want health cover for you and your children without enduring too much financial strain. And you definitely don’t want to be paying for health care services and items you’re less likely to need.

We suggest you consider:

  • 1. Public hospital

    Cover provides you with a ‘safety net’ for you and your family to receive minimum benefits in a public hospital setting, but waiting periods still apply.

  • 2. Basic private hospital

    Cover will allow you to skip the public waiting lists and receive common treatments under the Medicare Benefits Schedule as a private hospital patient.

  • 3. Basic extras

    Cover will pay benefits for a limited number of ancillary health services such as general dental and physiotherapy, keeping the premiums low.

Health-focused single parent

You’re a young single parent of one or more older children who are requiring different health needs now. You’ve got through those toddler years and have noticed your children’s change in requirements as they grow up. You may even be thinking about expanding your family, so you’re wanting a little more coverage than just the basics.

We suggest you consider:

  • 1. Medium private hospital

    Cover will include the treatments offered under basic cover, plus more such as rehabilitation, psychiatric care and non-cosmetic plastic surgery.

  • 2. Medium extras

    cover provides a good balance between the level of cover and affordability. You’ll be covered for the basics plus some podiatry and major dental including orthodontics, and in some cases, travel vaccinations and alternative therapies.

Quality driven single parent

Your kids are growing up and perhaps leaving school. You’re looking for a health insurance that offers quality and comprehensive cover. You want cover for more services that you and your dependants may need. You’re also looking to use preventative treatments to enhance your family’s quality of life.

We suggest you consider:

  • 1. Top private hospital

    Cover will cover you for all hospital medical services where Medicare issues a benefit giving you complete peace of mind your health needs will be looked after during any unforeseen hospital admissions.

  • 2. Medium extras

    Cover provides a good balance between the level of cover and affordability. You’ll be covered for the basics plus some podiatry and major dental including orthodontics, and in some cases, travel vaccinations and alternative therapies.

  • 3. Comprehensive extras

    cover will cover you for everything that a medium policy does, yet with higher overall limits and generous benefits applied to major dental, physio, optical, chiro and a range of alternative therapies.

Security conscious single parent

You desire the highest level of security for your family. You want comprehensive cover to be protected for both the health care essentials and for the unexpected events life throws at you. You’re not on a tight budget and your sole focus is on achieving peace of mind that all your family’s needs are going to be met.

We suggest you consider:

  • 1. Top private hospital

    Cover will cover you for all hospital medical services where Medicare issues a benefit giving you complete peace of mind your health needs will be looked after during any unforeseen hospital admissions.

  • 2. Comprehensive extras

    Cover will cover you for everything that a medium policy does, yet with higher overall limits and generous benefits applied to major dental, physio, optical, chiro and a range of alternative therapies.

Do you need health insurance as a single parent?

Single parents do have the option to purchase private health insurance for their children only under a dependant-child policy although this is rare. This would mean that your children are protected, however you would not receive cover for unexpected medical costs.

Children-only policies may not be the best use of money with many funds providing cover for dependants at no extra costs. You may also have to pay the Medicare Levy Surcharge if your income exceeds the threshold and you don’t have hospital cover, even if your children are insured.

What age will my children be covered until?

Take out private health insurance and your children will be covered under your policy until their 25th birthday. Once they’re over the age of 25 they’ll need to take out their own health insurance.

For insurance purposes, health funds separate dependants in three categories:

  • 1. Child dependant

    Up until the age of 21, a dependant who is unmarried and reliant on the policy holder for financial support is considered a ‘child dependant’.

  • 2. Student dependant

    If your child is aged between 21 and 25 years old, studying full-time and unmarried, they’re classified as a ‘student dependant’.

  • 3. Adult dependant

    For unmarried dependants aged between 21 and 25 years old who aren’t studying full time, they’re considered an ‘adult dependant’. Some funds will charge an additional loading to ensure adult dependants under the single parent health policy.

What if you’re planning to expand your family?

If you’re considering having more children and wish to be covered by private health insurance, you’ll need to upgrade your policy in advance. All insurance covering pregnancy and birth-related services have a standard 12-month waiting period.

It’s recommended you upgrade your level of cover at least three months before you attempt to conceive. You’ll need to look for a policy that covers these services or add this benefit to your current policy.

If your policy covers pregnancy, it will typically include accommodation at a private hospital of your choice, labour ward expenses and the doctors’ fees. Full or part payment of your obstetrician is typically covered and under some policies, prenatal classes are also included.

If you require assisted reproductive services such as IVF, insurance policies that cover them will typically include in-hospital procedures related to egg collection and embryo transfer.

It’s important to note, you should expect some out-of-pocket expenses for out-of-hospital services related to pregnancy and assisted reproduction including specialists’ consultations. While some of these services can be claimed with Medicare, your private health insurance only covers those provided in-hospital.

What if you’re in the process of getting divorced?

If you’re in the process of getting a divorce or separating from your partner there are a few things to keep in mind.

  • Switching policies

    If you’ve previously had family cover, you can easily switch to a single parent policy over the phone or online without incurring any fees, as long as the level of cover remains the same. However, if you paid your annual insurance premium as a lump sum for your existing policy, you may not receive this money back.
    This may be a great opportunity to reassess your level of cover and compare policies with a variety of funds.

  • Waiting periods

    When you switch to a comparable cover, you won’t need to re-serve the waiting periods you completed on your family policy. However, if you allow your policy to lapse during your separation or divorce, you may be forced to endure waiting periods for pre-existing conditions and other forms of cover such as the 12 months for major dental work.

Did you know there are many not-for-profit health funds that are perfect for single parents?

Health insurance for single parents can be a daunting prospect. Fortunately, there are many not-for-profit health funds that can provide great health cover for single parents and their children.

Under the Members Own brand there are 20 not-for-profit and mutual funds that exist solely to provide their members with the best possible service and greater benefits.

Why’s this so important for single parents?

Because you’re given a range of options that offer better value and suits your family’s lifestyle and health care needs. With no investors or overseas owners like the big for-profit insurance companies, Members Own funds are working to provide you with better coverage and more affordable options.

As mums and dads flying solo, you have a unique set of needs and you’re most likely stretched for time. Members Own have one of the biggest number of funds and policies to compare, choose and buy from online in Australia. This means you’ll be spoilt for choice!

Don’t waste time browsing a whole host of websites looking for the right health insurance single parents policy. Simply jump on the Members Own website and you can compare the policies of 20 funds all in one convenient place.

Compare & Join

If you have any questions or queries with your single health insurance, we have friendly staff who are all health insurance experts. You can call one of our team on 13 10 66.

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