Critique my British Budget!
#31
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Re: Critique my British Budget!
Scotland is amazing and definitely worth considering (although the weather leaves a lot to be desired). If you do consider Scotland, I did find that the weather seemed a bit better on the east coast than the west. Also, and with regard to your health budget, you may also want to consider adding private health insurance. I was hospitalized in the UK in an NHS hospital with a near death experience and then had several months to recover. I wished at the time that I had private health insurance as staying on a ward and seeing the lady next to me get blood transfusions and the one across from me crying several times a day because she was going to the loo in her bed and could not get anyone to help was very unsettling! I had BUPA for years after and stayed in a private hospital in Edinburgh for a surgery and it was a great experience (they even brought a menu to my husband to order off of while he waited with me). Best of luck to you
Good point about health care when I am over there, any idea roughly how much that would cost? I'll do a bit of research.
#32
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Re: Critique my British Budget!
Excellent thanks for the reply, we've been on holiday to Edinburgh (we know it's a lot different being on holiday) and really liked the town and we liked the collar towns (we stayed in Portobello) we saw, close to the highlands and lowlands, so will definitely put that on our list (post to follow on destinations!).
Good point about health care when I am over there, any idea roughly how much that would cost? I'll do a bit of research.
Good point about health care when I am over there, any idea roughly how much that would cost? I'll do a bit of research.
With regard to the outer towns/communities to Edinburgh, there are some really nice ones (I also like Linlithgow as it is about 15 mins by train and property is quite a bit cheaper). When I moved to Edinburgh in 2007, it seemed like a dream as it was honestly one of the best times of my life. Every day I walked and walked and walked and felt like a tourist for years. I just loved the beauty that much. It also felt 'international' as I made a group of friends from all around the world. The people there were warm and welcoming to me as an Expat. Would I live there again? That's difficult to say. In the last years that I lived there (left in 2016), the city had been constantly inundated with tourists. Unlike in 2007 when it was a gem of a best kept secret, by 2016 it had reached world wide awareness (mostly likely due to many new international routes serving the city and the Instagram generation). Perhaps a post-Covid age will take it back to more manageable numbers of tourists, but that remains to be seen. If I were moving back (and believe me, I am considering it in the next few years), I would look at Stirling, Linlithgow, Gullane, and perhaps some towns in the Scottish Borders as there is now the Scottish Borders railway line.
#33
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Re: Critique my British Budget!
Excellent thanks for the reply, we've been on holiday to Edinburgh (we know it's a lot different being on holiday) and really liked the town and we liked the collar towns (we stayed in Portobello) we saw, close to the highlands and lowlands, so will definitely put that on our list (post to follow on destinations!).
Good point about health care when I am over there, any idea roughly how much that would cost? I'll do a bit of research.
Good point about health care when I am over there, any idea roughly how much that would cost? I'll do a bit of research.
My wife's sister lives just outside of Edinburgh and has BUPA. She had open-heart surgery through them in February, at the same NHS Trust hospital in Edinburgh that she would have been at if she had gone through the NHS.
#34
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Re: Critique my British Budget!
That seems like a great price, so how does it differ from the NHS care? Or is it just a 'jump the line' premium or do you literally see totally different doctors and in non NHS hospitals. This sounds like a great way to ease the 'fear' of what the NHS is like now as though it is a wonderful institution a lot of the experiences I've been hearing about from family and friends over the last few years are a bit troubling. That said people like to complain so maybe it's not as bad as it's made out to be in the media. That being said a small price (from a US perspective) to go private.
Dear me the militant youthful me would give me a good slapping if he could see this post!
Dear me the militant youthful me would give me a good slapping if he could see this post!
#35
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Re: Critique my British Budget!
That seems like a great price, so how does it differ from the NHS care? Or is it just a 'jump the line' premium or do you literally see totally different doctors and in non NHS hospitals. This sounds like a great way to ease the 'fear' of what the NHS is like now as though it is a wonderful institution a lot of the experiences I've been hearing about from family and friends over the last few years are a bit troubling. That said people like to complain so maybe it's not as bad as it's made out to be in the media. That being said a small price (from a US perspective) to go private.
Dear me the militant youthful me would give me a good slapping if he could see this post!
Dear me the militant youthful me would give me a good slapping if he could see this post!
#36
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Re: Critique my British Budget!
That seems like a great price, so how does it differ from the NHS care? Or is it just a 'jump the line' premium or do you literally see totally different doctors and in non NHS hospitals. This sounds like a great way to ease the 'fear' of what the NHS is like now as though it is a wonderful institution a lot of the experiences I've been hearing about from family and friends over the last few years are a bit troubling. That said people like to complain so maybe it's not as bad as it's made out to be in the media. That being said a small price (from a US perspective) to go private.
Dear me the militant youthful me would give me a good slapping if he could see this post!
Dear me the militant youthful me would give me a good slapping if he could see this post!
I think the doctors and surgeons work in both the private and NHS hospitals, and will use and pay for NHS facilities where needed. (My sister-in-law's open heart surgery for example).
#37
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Re: Critique my British Budget!
With our Aviva insurance we also have to go through our GP first. We do each have 5 video GP appointments per year available as part of our insurance cover. I used it once a couple of years ago and it was pretty easy to get an appointment and use. In that case the video-GP said that a physical examination was going to be needed and told me to book an appointment with my GP. Still, I found it a useful screening tool and done from the comfort of my home.
#38
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Re: Critique my British Budget!
With our Aviva insurance we also have to go through our GP first. We do each have 5 video GP appointments per year available as part of our insurance cover. I used it once a couple of years ago and it was pretty easy to get an appointment and use. In that case the video-GP said that a physical examination was going to be needed and told me to book an appointment with my GP. Still, I found it a useful screening tool and done from the comfort of my home.
#39
Re: Critique my British Budget!
With our Aviva insurance we also have to go through our GP first. We do each have 5 video GP appointments per year available as part of our insurance cover. I used it once a couple of years ago and it was pretty easy to get an appointment and use. In that case the video-GP said that a physical examination was going to be needed and told me to book an appointment with my GP. Still, I found it a useful screening tool and done from the comfort of my home.
#40
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Re: Critique my British Budget!
Since I have been using Aviva I have had a heart issue, AFib, resolved completely in October 2018 with an outpatient procedure, a cryoablation. In 2019 when I contacted the insurance broker to look for the best rates I was told that now I had a preexisting heart condition Aviva was the only option even though I am cured and on no prescription drugs. Absolutely no change in premiums from Aviva in 2019 or 2020 so am very grateful for that.
Last edited by durham_lad; Jul 18th 2020 at 2:35 pm.
#41
Re: Critique my British Budget!
Correct. Like all insurances you can’t get it once you have a problem. You don’t wait until you have a leaking roof before taking out house insurance. With the existence of the NHS there is no government mandate for insurance companies to accept existing conditions.
Since I have been using Aviva I have had a heart issue, AFib, resolved completely in October 2018 with an outpatient procedure, a cryoablation. In 2019 when I contacted the insurance broker to look for the best rates I was told that now I had a preexisting heart condition Aviva was the only option even though I am cured and on no prescription drugs. Absolutely no change in premiums from Aviva in 2019 or 2020 so am very grateful for that.
Since I have been using Aviva I have had a heart issue, AFib, resolved completely in October 2018 with an outpatient procedure, a cryoablation. In 2019 when I contacted the insurance broker to look for the best rates I was told that now I had a preexisting heart condition Aviva was the only option even though I am cured and on no prescription drugs. Absolutely no change in premiums from Aviva in 2019 or 2020 so am very grateful for that.
Last edited by Lion in Winter; Jul 18th 2020 at 2:43 pm.
#42
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Re: Critique my British Budget!
Thanks. Trying to weigh up whether there would be any actual benefit for us in buying private insurance. It costs a fraction of what it does here, but seems to mostly either speed things up or get you a private hospital room? I'm healthy as a horse, touch wood, but OH would have a preexisting.
He then recommended that my wife switch to the NHS for the other eye because he was not sure it would be fixed in a single procedure plus it needed a specialized “toric” lens that the insurance would not cover but the NHS would cover it because the astigmatism was too great to be fixed by glasses. He told her not to worry about waiting lists because he set the schedules. He also said that our local NHS hospital had THE best equipment available anywhere. She has not needed a second operation and he has been absolutely great. That second eye has been the troublesome and she continues to use eye drops every evening to help stabilize the vision during the day. One Sunday morning at 8:30 we were walking down to the town to have breakfast when he called her up to tell her that he had just got back from a conference in the USA where a colleague told him about some different eye drops he uses on his RK lens replacement patients, and he’d like her to give them a try so would it be okay if he she came in on Tuesday afternoon so she could try them out for a few weeks. Don’t worry about an appointment he said, I’m just running a children’s clinic, turn up at the hospital and ask for me.
#43
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Re: Critique my British Budget!
#44
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Re: Critique my British Budget!
Alright that just rained on my parade! I have a couple of preexisting conditions so I'll have to do a bit of research on whether it is available for me. I suppose I could get it for the wife and only and that would be a bit of protection for her. It would also be a bit of protection for me against a "this is crap compared to America" moan too. I'll just run the gauntlet with the wonderful NHS after all, maybe!
I was diagnosed with paroxysmal AFib in 2017 and referred to the arrhythmia unit at our local hospital which happens to be a regional heart care centre. After several visits, lots of tests and a few months of monitoring (no drugs needed) I was told that I was a good candidate for cryo ablation which I had done as an outpatient in 2018 and have been absolutely great since. If there had been any delays longer than 6 weeks then I could have used my private insurance.
In 2018 I had a mole on my back that my wife was concerned about so went down to see my GP who said there were actually 3 moles/lesions that were suspicious and he referred me to the skin cancer unit. I had an appointment the following week where the consultant said they were probably okay but he would feel better if they were incised and tested. 6 weeks later I had them removed as an outpatient and tested.
There endeth my NHS advertisement.
#45
Re: Critique my British Budget!
The NHS is a really marvelous institution. My 84yr old Mum had a mild case of Covid 19 and was dealt with in a really compassionate way and is back at home pottering in her garden again. Nothing was too much trouble at the hospital even though we couldn't visit. The evening shift nurses were more than happy to get Mum's mobile out so we could talk to her..... Also think the OP has a very doable budget as long as he is not going into the heart of London.....