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JOY explained

JOY is a lower cost maternity care package which offers a private hospital experience under the care of an obstetrician.

This low cost care model can vary depending on your circumstances.

Our easy-to-read estimate assists you in your decision making process and give a guide of the expected costs upfront. 

There are three options for JOY for your needs, 

  • JOY package costs for Medicare card holders with private health insurance
  • JOY package costs for Medicare card holders without private health insurance
  • JOY package costs for non-Medicare card holders with overseas private health insurance

*Please note the estimates below are a guide and there may be additional costs associated with your pregnancy in addition to the fees listed

 

Medicare with private health insurance

What you will pay Total cost $1,500* (after Medicare refund)
What is included
  • All pregnancy, birth and post-natal appointments with obstetrician and midwife.
  • Hospital care during pregnancy, birth and after your baby is born.
Not included
  • Ultrasounds or other tests
  • Pathology tests
  • Pharmacy
  • Anaesthetist out of pocket fees (if required)
  • Paediatrican out of pocket fees (if required)

Medicare without private health insurance

What you will pay Total cost between $12,022 and $12,723* (after Medicare refund)**
What is included
  • All pregnancy, birth and post-natal appointments with obstetrician and midwife.
  • Self-funded maternity package.
Not included
  • Ultrasounds or other tests
  • Pathology tests
  • Pharmacy
**The total cost varies because the Medicare refund will depend on the complexity of delivery (for example caesarean versus vaginal delivery). Additional fees may be charged if you need to be admitted during pregnancy (other than to give birth), or if your baby requires admission to Special Care Nursery. These fees can be obtained from our business office on 03 8784 5000.

Non-resident (no Medicare) with overseas private health insurance

What you will pay Total cost $7,532*
What is included
  • All pregnancy, birth and post-natal appointments with obstetrician and midwife.
  • Hospital care during pregnancy, birth and after your baby is born.
  • Clinician fee for anaesthetic and paediatric care.
Not included
  • Ultrasounds or other tests
  • Pathology tests
  • Pharmacy
Your overseas health fund may reimburse the JOY obstetrician delivery fees, this will be your responsibility to follow up.

Non-resident (no Medicare) without private health insurance

What you will pay Total cost $14,247*
What is included
  • All pregnancy, birth and post-natal appointments with obstetrician and midwife.
  • Self-funded maternity package.
Not included
  • Ultrasounds or other tests
  • Pathology tests
  • Pharmacy

Table B option -

Detail taken from PDF  (columns in PDF are not line matched so not direct comparison)- NOT SURE IF AMOUNT OF DETAIL IS REQUIRED?

Medicare with private health insurance

What you will pay Total cost $990
Initial appointment What you pay: Bulk billed
Antenatal appointments What you pay: Bulk billed
28 week payment What you pay: $990 (full fee $1,337.05 - Medicare rebate of $347.05)
Hospital care What you pay: Paid by private health insurance. Excess may apply.
Paediatric and anaesthetist care deposit What you pay: $3,000 (refunded if not required)
Postnatal appointment What you pay: Bulk billed

Medicare without private health insurance

What you will pay Total cost $10,556 to $11,228
Initial appointment What you pay: Bulk billed
Antenatal appointments What you pay: Bulk billed
28 week payment What you pay: $990 (full fee $1,337.05 - Medicare rebate of $347.05)
28 week uninsured delivery payment* What you pay: $761.60 to $1,433.15* (full fee $2,100 - Medicare rebate of $666.85 to $1,338.40*)
Paediatric and anaesthetist care deposit What you pay: $3,000 (refunded if not required)
Vaginal or caesarean delivery package: What you pay: $5,805 (Three night say and birth suite fee)
Postnatal appointment What you pay: Bulk billed

Overseas private health insurance without Medicare

What you will pay Total cost $5,011
Initial appointment What you pay: $79.65
Antenatal appointments What you pay: $527.40* (Antenatal appointment estimate based on 12 appointments)
28 week payment What you pay: $1,337.05
Postnatal appointment What you pay: $66.80

The above fees are estimates and can vary from pregnancy to pregnancy.

  • Please contact your health fund to confirm your obstetrics cover and if an excess payment is required. Above pricing excludes anaesthetic and paediatrician fees.
  • The delivery rebate and total out-of-pocket costs depend on the complexity of delivery (for example Caesarean versus vaginal delivery).

Additional costs

There may be additional costs associated with your pregnancy in addition to the fees listed above.

These fees may include ultrasounds, pathology, pharmacy, anaesthetic care, paediatric care, a surgical assistant, referrals to other specialists, ICU bed fee or fees if a higher level of care is required.

Please ask the service provider when booking these additional services about any fees you may incur.

Some additional costs depending on your circumstance may include:

Additional night fee (per day)  $1,330 
Antenatal bed stay
  • $310 (less than four hours)
  • $620 (more than four hours but not overnight)
  • $1,330 (overnight, per night)
Special care nursery (per day)
 $1,230

The paediatrician and anaesthetist deposit

An anaesthetist will be required for pain relief in the case of a Caesarean delivery or administering an epidural. A paediatrician will be required in the case of a caesarean delivery or if the baby requires medical attention.

A deposit of $3,000 may be payable prior to admission. If the services of an anaesthetist or paediatrician are not required, this deposit will be fully refunded.

For more information please contact the Joy team on 03 8784 5800.

Uninsured fees

We know choosing your hospital and obstetrician is a big decision, particularly if you don't have health insurance. We hope our easy-to-read estimate assists you in your decision making process.

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