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Provides cover for common operations and medical procedures
£17.65 per month
£211.80 per year
PatientChoice Access
Provides cover for operations and medical procedures.
Also includes cover for scans and consultations (£100 excess applies)
£22.88 per month
£274.56 per year
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Quote:
PatientChoice is able to keep premiums very low by not trying to duplicate the NHS in areas where the NHS already provides an excellent service. Therefore PatientChoice does not cover:
Here are some of the things that are not covered in Canada:
"Many of us have other medical insurance to cover Extended care which includes things like pharmacy, vision, chiropractic, physio therapy and then we may also have dental." PLus as the poster said, not eyes or feet. This is a way to keep costs down.
I have read articles in professional journals about UHC in many countries. The Canadian system was developed in the 50s, when most health care, both there and here, was hospital based. Back in the 50s-60s when I was a kid, vision, dental, etc were out of pocket expenses. It seems to have remained that way in Canada. So it's more than ins. for a pvt room, or a TV in your room. I do like the idea of some basic services covered, that you can't be turned down for b/c of "pre-existing conditions". This is a real concern for me, as my daughter had melanoma at age 14. Actually, it's more of a concern for her, I guess, b/c I soon will be eligible for medicare, and I'm not the one who had the melanoma.
Alot of those things aren't covered here in the US for a basic plan either. You have to add on pharmacy coverage and purchase additional eye coverage. Dental coverage needs to be purchased in addition too and is almost a seperate insurance (doesn't really fall under medical).
I've never had vision insurance... but it's relatively cheap for an eye exam and a 6 months supply of contact lenses. Dental, though, is a whole other story..it's very expensive. I have dental needs I can't meet either because it's so costly..however its NOT life threatening.
Provides cover for common operations and medical procedures
£72.06 per month
£864.72 per year
PatientChoice Access
Provides cover for operations and medical procedures.
Also includes cover for scans and consultations (£100 excess applies)
£90.76 per month
£1089.12 per year
The above quotes are based on your age of 80, cover for Individual and not switching from another insurer.
If you wish to start a new moratorium and exclude any pre-existing conditions that you have suffered from in the last three years, then please indicate that you are not moving from another insurer.
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This is what I got from your link TM
And, doing the conversion using the current value of the Euro, it would be around $130.00 USD a month or $1560.00 a year FOR THE SUPPLEMENT.
BTW - if the currency expressed is the Pound - then the cost would be higher.
Alot of those things aren't covered here in the US for a basic plan either. You have to add on pharmacy coverage and purchase additional eye coverage. Dental coverage needs to be purchased in addition too and is almost a seperate insurance (doesn't really fall under medical).
I've never had vision insurance... but it's relatively cheap for an eye exam and a 6 months supply of contact lenses. Dental, though, is a whole other story..it's very expensive. I have dental needs I can't meet either because it's so costly..however its NOT life threatening.
Our plan covers vision (one eye exam for glasses per year and lenses up to $150 and Frames up to $100 once a year) and dental (dental up to $1500 a year).
AND, btw - not taking care of some dental problems can lead to death.
Provides cover for common operations and medical procedures
£72.06 per month
£864.72 per year
PatientChoice Access
Provides cover for operations and medical procedures.
Also includes cover for scans and consultations (£100 excess applies)
£90.76 per month
£1089.12 per year
The above quotes are based on your age of 80, cover for Individual and not switching from another insurer.
If you wish to start a new moratorium and exclude any pre-existing conditions that you have suffered from in the last three years, then please indicate that you are not moving from another insurer.
------------------------------------------------------------
This is what I got from your link TM
And, doing the conversion using the current value of the Euro, it would be around $130.00 USD a month or $1560.00 a year FOR THE SUPPLEMENT.
BTW - if the currency expressed is the Pound - then the cost would be higher.
I don't know where you got your numbers from TM
I put in my age.. 34. That's what it would cost for supplement for me at 34.
And.. it's important to note.. that "supplement" is a "luxury" as EVERYONE is covered under NHS.. INCLUDING THOSE THAT HAVE THE SUPPLEMENTS.
Basically supplements are for the snobs that want a private bed..which, btw.. for the $800/month you pay in healthcoverage in the U.S.. you don't even get!!
In otherwords.. you don't NEED to have supplemental insurance to get the care you NEED. If you can't afford the additional supplemental, you will NOT go without medical attention, chemotherapy and the like. Whereas in the US.. if you don't have a health insurance plan you basically go without health care because a) without insurance it's cost prohibitive and B) the insurance plans to GET the medical care are cost prohibitive
I put in my age.. 34. That's what it would cost for supplement for me at 34.
And.. it's important to note.. that "supplement" is a "luxury" as EVERYONE is covered under NHS.. INCLUDING THOSE THAT HAVE THE SUPPLEMENTS.
Basically supplements are for the snobs that want a private bed..which, btw.. for the $800/month you pay in healthcoverage in the U.S.. you don't even get!!
Not true again TM - I had a surgery in December and was in a Private room (I did not even request one). So, once again - you are painting with the broad brush -
Whereas in the US.. if you don't have a health insurance plan you basically go without health care because a) without insurance it's cost prohibitive and B) the insurance plans to GET the medical care are cost prohibitive
Not true again TM - I had a surgery in December and was in a Private room (I did not even request one). So, once again - you are painting with the broad brush -
And the supplement not only for "luxuries" TM.
LOL.k. GD.. whatever..
I had a baby. If I wanted to be put in a private room by myself my insurance company said i needed to pay the ADDITIONAL cost between the private insurance allowance and the actual cost of the room. THIS GD.. is typical.. the private room would have cost me and additional $600/day I believe (typical stay is approx 3 days).. and this was for BCBS coverage I was paying for as a single person of $600/month (jumped much higher after baby and with the rise in cost of premuim to over $800/month). I obvioulsy elected not to have the private room because I didn't have the additional money
BTW.. sometimes you CAN end up in a private room if that is all they had You can't REQUEST a private room , be guaranteed a private room and GET IT under your insurance alone. My friend had her baby in a sister hospital and got lucky and ended up in a private room.. but not because she requested it.
I refer you to the tons of articles pointed to and the stats on people who die because they have no health insurance and therefore do NOT get the healthcare they need.. here we go in circles yet again!! Want to rehash it.. go back a few pages OLD MAN
Again.. SUPPLEMENTAL.. which means that it COMPLIMENTS NHS coverage.. BUT IS NOT NEEDED to get access to healtcare or treatment. IT IS A LUXURY in the UK to carry such insurance.
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