Compare health insurance that will cover the cost of having your tonsils or adenoids removed.
If you need your tonsils or adenoids removed, private health insurance has you covered. All you need is a basic policy, and you can pick your own doctor to do the procedure.
A basic policy can be quite affordable, and in addition to the tonsil and adenoid removal cover, you'll be covered for accidental injury, ambulance transport and so much more.
How much is health insurance including tonsil and adenoid removal?
You'll find this treatment in hospital cover. Below you will find a selection of policies from Finder partners that cover adenoid and tonsil removal. All have a 12 month waiting period for pre-existing conditions, and 2 months for new. Prices are based on a single person living in Sydney, NSW.
|Provider||Policy||Treatment||Tier||Price per month||Apply|
|Essential Basic Plus||Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.||Basic||$75.55||Go to Site|
|Basic Plus||Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.||Basic||$75.76||Go to Site|
|Hospital Bronze Plus||Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.||Bronze||$91.60||Go to Site|
Contents of this article
- Which Australian health insurers cover tonsil and adenoid removal?
- Is this treatment covered by Medicare, private health insurance or both?
- Who can benefit from cover for removal of tonsils and adenoids?
- What is the removal of tonsils and adenoids?
- How do I choose an ear nose and throat (ENT) specialist?
- What should I ask my ENT specialist and insurer?
A tonsillectomy or adenoidectomy can be performed at a public or private hospital. However, the cost, waiting times and extra benefits will differ depending on which system you are treated under.
- Public health system. While you can elect to have the surgery performed at a public hospital where the procedure will be covered by Medicare, waiting times can be as long as years and many patients don’t have the luxury of time.
- Private health system. Using the services of a private ear, nose and throat specialist (ENT) is quicker. However, the out of pocket expenses can run into the thousands of dollars if you’re not insured. Private hospital cover gives you the option of choosing the doctor you want as well as having the surgery performed when you want.
The removal of tonsils and adenoids is a common procedure for children to have done, which makes having private health cover important for families. However, it’s not just children who have their tonsils removed, so it’s something to think about even as you get older.
Surgery to remove the tonsils and adenoid glands is covered by Medicare, but waiting lists can make public cover an unattractive option for children. This is one of the reasons why having private health insurance is so important. Not only can private health insurance help you avoid waiting lists, it also provides you with the opportunity to choose your own doctor.
Tonsils can get infected, which can lead to a condition called tonsillitis. When this happens to your adenoid glands the condition is called adenoiditis. The two conditions are related and adenoiditis can lead to tonsillitis and vice versa. Recurring infections of the tonsils and adenoids need to be treated by a either a tonsillectomy or adenoidectomy.
The symptoms of tonsillitis and adenoiditis can include:
- Bad breath
- Ear infections
- Swelling of the tonsils and adenoids
- An ENT doctor is someone that specialises in ear, nose and throat (ENT). These doctors are also known as Otolaryngologists.
- Tonsillectomy and adenoidectomy procedures are typically performed by an ENT specialist and take about an hour to complete. Patients are required to stay overnight in hospital.
- You will need to see a general practitioner (GP) to get a referral to an ENT. Your GP may be able to recommend a preferred or trusted specialist, but you can also choose your own.
- Your insurer may be able to provide a list of ENT specialists who have a relationship or agreement with your fund. You can also check the registry of the Australasian College of Surgeons to find a doctor in your area.
The following questions will help you find a ENT specialist and prepare for a tonsillectomy or adenoidectomy procedure.
Questions to ask your insurer
- Do you have a list of preferred no-gap doctors?
- What is the waiting period? (The waiting period can be influenced by whether or not tonsillitis or adenoiditis is a pre-existing medical condition.)
Questions to ask your ENT specialist
- What are the costs for initial consultations, the procedure and follow up consultation(s)? (You will be given a list of the expenses you will incur and you’re required to provide consent to these charges.)
- What’s the best way to prepare for the procedure?
- What’s the best way to recover from tonsillectomy or adenoidectomy surgery?