Okay so today I have a guest post from a representative of Choosi. And a giveaway courtesy of Bisolvon.
First up, who is Choosi? Choosi “provide information to help you compare, choose and apply for insurance online and over the phone. Choosi isn’t an insurer. We do work with several insurance companies so we can make their policies available to you.”
I received a brochure in the mail this week from the Australian Government outlining “Important changes to the private health insurance rebate and Medicare levy surcharge”.
Instead of trying to explain, I thought someone who can explain it clearer would be better use of this space.
When looking for the right insurance policy for you, your partner or your family, it pays to go to someone like Choosi to find the best possible deal. However, there are often so many changes in the law regarding health cover that you have to keep up with any upcoming changes all the time, as they can affect what you need to do in order to get a good level of insurance. Starting on July 1st, the Australian government have introduced means testing of the Private Health Insurance Rebate.
Single people earning under $84000 a year and families and couples earning less than $168000 annually are unaffected by the changes, but for those who are, there are significant changes. Families and singles exempt from paying the Medicare Levy surcharge if they’re not privately insured get a rebate of 30%.
Three new tiers of rebates have now been introduced, those in Tier 1 ($84,001-97,000 for singles, $168,001-194,000 for families/couples) get a 20% rebate, while people with Tier 2 incomes ($97,001-130,000 for singles, $194,001-260,000 for families and couples) have a rebate level of 10%. Meanwhile, those in Tier 3 earning over $130,001/260,001 don’t get a private health insurance rebate. In addition singles and couples in tiers 2 & 3 will be subject to a higher Medicare Levy Surchange (1.25% and 1.5% respectively) if they don’t have private health insurance. So no matter what tier you are n there is a fairly strong incentive to be covered.
There are variables for age, as the rates stated apply to those under 65. People aged 65-69 can add an extra 5%, while those over 70 get a further 10%. While these changes are important, they’re unlikely to affect the premiums of most people. However, there are a few things you may need to do when the new rebates take effect.
If you want to find out whether the changes will affect you, you can visit the Choosi website here where they have an easy to use calculator to explain what rebate you’re now entitled to and any further action you need to take.
Now for the giveaway. In Australia we’re smack bang in the middle of winter and flu season. Have you suffered this winter? I have. My youngest contracted croup and it was not fun. How did he catch it? Well, his older brother was home with the flu and a cough the previous week. That may have been it. But I’m not sure.
You can visit the Bisolvon website for tips on coughing etiquette (in the I Hate Coughing section) like you should wash your hands after coughing or sneezing into them. Or even better, cough into your elbow.
Bisolvon also have tips on complimentary care in their Get Well Soon section. And with that I am giving a way a gorgeous teapot and mug from Ambrosia, Strawberry Sensation Tea from T2, Lipgloss from Body Shop and Bisolvon Hand wipes.
To enter the competition just comment below explaining to me what man flu is and does it actually exist in this? Have you any experience with man flu? Is it different to regular flu?
Now as much as I’d like you to either subscribe to my blog, or like my fan page on Facebook, subscribe to my Youtube channel or follow me on Twitter, none of those things will be necessary to enter the competition.
Winner will be picked on Monday 23 July 2012 using random.org
I was not paid to from either Choosi or Bisolvon but I did receive my very own Strawberry Winter Warmer pack as featured in the picture from Bisolvon.