Healthcare Cashplan Discussion Area

bobs_4

am interested in the best plan that includes some prescription repayments as not many of these plans seem to. Any help gratefully received. ::)

MSE_Martin

Couples with no kids is very similar to family policies - so just use that as a benchmark

martin

System

Whilst the original article is good, it makes no mention of the charges that Hospitals, GPs and Dentists make to "assist" you in making a claim.

For example my daughter was recently in hospital overnight and the hospital invoiced me £25 (monies to go to their neo-natal charity) for stamping and signing the form from the insurer to prove she'd had an overnight stay. That's excluding the £3 I had to pay in hospital parking to drop the form off!

Similarly my GP charges £10 for completing any form, and my Denist £15 (unless the insurer is one that he has approved e.g. got comission on the sale of).

So heathcare cashback plans are great, but unfortunately a chunk of the payout doesn't end up in your pocket!

YMMV - Rufus.

FieryBlondeScot

i have recently been diagnosed with RSI (yes i know step away from the computer!!)

i have just emabrked on a course of physio that is costing me £40 a session (work have agreed to pay for up to 6 sessions as it is a work related injury and had 3 sessions already) physio is likely to go on for some time and cost bucks.

as a single parent i am not going to be able to keep this up as i am paying upfront and then work reimburse me later.

i have just read the article on healthcare cashplans and wondered if this could be an option for me or if i am stuffed cos obviously iwould be joining one of these purely because ive just been diagnosed. is there any way around this? at the moment through doing the Money Diet i have trimmed about £200 a month off my outgoings but it looks like physio etc is gonna swallow up the whole lot in one huge bite >:(

as an afterthought i jus cannae get my head around it like you go into physio feeling reasonably well and come out hurting in places you never hur before and forty quid worse off..........still for the greater good ............. ::)

System

I doubt many cash back schemes will pay for pre-existing conditions. Also there is often a wait of up to 3 months before you can claim. I may be wrong so it could be worth looking around but I doubt many insurers will pick up a risk you already know about.

Sorry to be the bringer of bad news

Rod

Fran

FieryBlondeScot -

The answer really is to step away from the computer as far as using your hands is concerned. What about the dictation devices - can you use them at work? Get a different job?

The following is a link to a free trial for a month (which I tried and found useful) for "WorkPace". It is handy for making you aware of how you are working and has some good relevant excercies. http://www.homeworkingsolutions.co.uk/workpace/

ksh123

I am currently a member of Paycare,have been for a while. Now I see from Martin's table that they are not the best performer. I am considering switching - but if I do am I not effectively throwing away the money I have paid into Paycare thus far (which currently exceeds the amount i have claimed back)??
Your thoughts please?
thanks
ksh123

System

8)

HSA best policy I have ever had. They pay us more than we pay in each year (only because we claim for everything!)

System

My wife and II haver had HSA health plan for some years. I

robnye

8)

HSA best policy I have ever had.  They pay us more than we pay in each year (only because we claim for everything!)

me too.... i have recurrent back & neck problems.... chiropractor/osteopath odnt come cheap.... but HSA payback covers me for best part if not all, depending when i start the couorse of treatment....

to change to a different supplier, would cause problems, as most of them have 2 year suspension for existing complaints, also some dont over dentist/optician fees