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Critique my British Budget!

Critique my British Budget!

Old Jul 30th 2020, 5:41 pm
  #46  
 
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Default Re: Critique my British Budget!

Originally Posted by durham_lad View Post
I’ve had a great experience with the NHS this last 3 years and not actually used my policy. We can always get a same day appointment with a GP, very fortunate in that respect.

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.

How/where can you look up info on the different NHS trusts, which are good and which are overwhelmed, etc, and where the regional heart care centres are? Any info appreciated.
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Old Jul 30th 2020, 6:33 pm
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Default Re: Critique my British Budget!

Originally Posted by Lion in Winter View Post
How/where can you look up info on the different NHS trusts, which are good and which are overwhelmed, etc, and where the regional heart care centres are? Any info appreciated.
I don’t really know. I just spent 10 minutes with Google and couldn’t find any comparison sites.
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Old Jul 30th 2020, 7:34 pm
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Default Re: Critique my British Budget!

I do not think you can pick and choose as an NHS patient. You go where they send you.
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Old Jul 30th 2020, 7:56 pm
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Default Re: Critique my British Budget!

Originally Posted by scot47 View Post
I do not think you can pick and choose as an NHS patient. You go where they send you.
The NHS gets to determine where you are allowed to live?

Granted, in theory the NHS could send a resident of Plymouth for treatment at a hospital in Newcastle, but if someone has a specific condition that requires specialist treatment and the hospital in, say, Liverpool is a renowned center of excellence for that condition, then if some chose to live in Liverpool the balance of probabilities is that they would be referred for treatment locally in Liverpool. No?
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Old Jul 30th 2020, 8:04 pm
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Default Re: Critique my British Budget!

Originally Posted by scot47 View Post
I do not think you can pick and choose as an NHS patient. You go where they send you.
Of course you can choose, at least in England you can. Last year a friend of ours who lives in the Lake District chose to have his heart bypass surgery at the hospital close to us as it has an excellent reputation for heart surgery plus he and his wife could stay locally with friends.

https://www.nhs.uk/NHSEngland/patien...ce-leaflet.pdf6

If your GP needs to refer you for a physical or mental health condition, in most cases you have a legal right to choose which hospital or service you go to, which includes many private and NHS hospitals that provide services to the NHS.
You may also choose your clinical team led by
a consultant or named healthcare professional.
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Old Jul 30th 2020, 8:12 pm
  #51  
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Default Re: Critique my British Budget!

Originally Posted by Pulaski View Post
The NHS gets to determine where you are allowed to live?

Granted, in theory the NHS could send a resident of Plymouth for treatment at a hospital in Newcastle, but if someone has a specific condition that requires specialist treatment and the hospital in, say, Liverpool is a renowned center of excellence for that condition, then if some chose to live in Liverpool the balance of probabilities is that they would be referred for treatment locally in Liverpool. No?
Talking of Liverpool...

In January my wife’s brother fell in his garden and badly broke his leg below the knee and above the ankle. He was admitted to his nearest hospital in Stockport. The orthopedic surgeon there recommended a particular surgeon in Liverpool, saying that he trained under him and he was the best orthopedic surgeon in the region. BIL was happy to take his advice, and the surgery with its various plates and screws went extremely well.
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Old Jul 30th 2020, 8:21 pm
  #52  
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Default Re: Critique my British Budget!

Originally Posted by durham_lad View Post
Talking of Liverpool...

In January my wife’s brother fell in his garden and badly broke his leg below the knee and above the ankle. He was admitted to his nearest hospital in Stockport. The orthopedic surgeon there recommended a particular surgeon in Liverpool, saying that he trained under him and he was the best orthopedic surgeon in the region. BIL was happy to take his advice, and the surgery with its various plates and screws went extremely well.
Liverpool might have the best hospital in the UK outside of London. For knee surgery you can't do better than head to Belfast.
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Old Jul 30th 2020, 8:24 pm
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Default Re: Critique my British Budget!

Originally Posted by Pulaski View Post
Liverpool might have the best hospital in the UK outside of London. For knee surgery you can't do better than head to Belfast.
I don’t think they touched his knee, tibia and fibula were broken, but I’ll remember to tell him that next time he shatters his leg
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Old Jul 30th 2020, 9:23 pm
  #54  
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Default Re: Critique my British Budget!

Originally Posted by Lion in Winter View Post
How/where can you look up info on the different NHS trusts, which are good and which are overwhelmed, etc, and where the regional heart care centres are? Any info appreciated.
Hi Lion, I hope this helps a bit. ps the NHS and Care Quality Commission websites are the deepest, darkest rabbit holes I've ever been down https://www.cqc.org.uk/search/servic...e=15&mode=html
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Old Jul 30th 2020, 9:40 pm
  #55  
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Default Re: Critique my British Budget!

Originally Posted by durham_lad View Post
Yes, no such thing as filing married, everyone files as individuals. To minimize taxes it is better to spread your income appropriately between each person then you'll each have the full personal £12,500 tax free allowance and each have the £12,300 tax free cap gains allowance and £2,000 tax free dividend allowance. That is potentially £53,600 in tax free income. It has saved us a lot in taxes.

If you have mutual funds then it is worth converting them to ETFs that are HMRC Reporting Funds, because mutual income from cap gains and qualified dividends are treated as regular income.

https://www.gov.uk/government/public...eporting-funds
There however is such a thing as a marriage allowance.
https://www.devonshiregreen.uk/marri...use-a-present/
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Old Jul 31st 2020, 12:58 am
  #56  
 
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Default Re: Critique my British Budget!

Originally Posted by spouse of scouse View Post
Hi Lion, I hope this helps a bit. ps the NHS and Care Quality Commission websites are the deepest, darkest rabbit holes I've ever been down https://www.cqc.org.uk/search/servic...e=15&mode=html

Thank you. That is - a lot. But I will study. If we do get there, London is a very unlikely destination due to cost of living.

And thanks to all for their responses. I was thinking about areas to live which are also well-served by the NHS or at least avoiding those where they are hurting for funds and resources the most, especially for routine care. It's all hypothetical at the moment, but I believe in having all the information to hand so as to be able to make a decision should the opportunity arise. OH would need the regular care of/check ups from a cardiac specialist, and close is easier than far away.
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Old Jul 31st 2020, 10:01 am
  #57  
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Default Re: Critique my British Budget!

Originally Posted by mrken30 View Post
There however is such a thing as a marriage allowance.
https://www.devonshiregreen.uk/marri...use-a-present/

That can provide a small saving for those that qualify so it is good that you highlight it. However, we don't qualify on 3 counts as we both have income above the personal allowance, I am retired not earning anything plus I am not a basic rate taxpayer.

Who Is Eligible For The Marriage Allowance?

The marriage allowance scheme is available to couples who are either married or in a civil partnership. Additionally, one of the partners has to earn below the personal allowance limit, while the other person must earn above it.
.
.
The low earning partner doesn’t have to work to be eligible to apply for marriage allowance. If they aren’t working, they can transfer 10% of their personal allowance to their partner. However, the partner has to meet the other conditions, which means they need to be earning and be a basic-rate taxpayer. You can also transfer 10% of your personal allowance to your spouse if you’re on maternity leave and your income falls below the personal allowance threshold.
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Old Aug 1st 2020, 1:14 pm
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You can choose ? So if you are in Carlisle and you wish you can have treatment in Devon ?
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Old Aug 1st 2020, 1:33 pm
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Default Re: Critique my British Budget!

Originally Posted by scot47 View Post
You can choose ? So if you are in Carlisle and you wish you can have treatment in Devon ?
Yes.

As I said above we have a friend in the Lake District whose main hospital is Carlisle but he chose to have his heart surgery 100 miles away in James Cook University hospital. His wife stayed with some other mutual friends for a couple of nights while he had the surgery then drove back. My wife's brother chose to have his leg surgery 50 miles away in Liverpool instead of 4 miles away at his main hospital. A couple of years ago I drove a friend to and from an eye hospital 35 miles away for his cataract surgery because the waiting list was very long at our local hospital, James Cook, which has a large eye surgery department.

The pamphlet I provided a link to above explains that you can choose a hospital anywhere in the country, and since this is NHS England it only refers to England. So, for example choosing Belfast for knee surgery as Pulaski suggested wouldn't work unless you were prepared to go private.

https://www.nhs.uk/NHSEngland/patien...ce-leaflet.pdf
GP surgeries tend to refer to local hospitals and services however if you want to be referred somewhere else in the country or if you want your doctor to see if there is another hospital that can see you more quickly, ask your GP. If your GP thinks there is a clinical reason why you shouldn’t go somewhere else, they will tell you.

Last edited by durham_lad; Aug 1st 2020 at 1:39 pm.
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Old Aug 2nd 2020, 12:48 am
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Default Re: Critique my British Budget!

Originally Posted by scot47 View Post
You can choose ? So if you are in Carlisle and you wish you can have treatment in Devon ?
Originally Posted by durham_lad View Post
Yes.

As I said above we have a friend in the Lake District whose main hospital is Carlisle but he chose to have his heart surgery 100 miles away in James Cook University hospital. His wife stayed with some other mutual friends for a couple of nights while he had the surgery then drove back. My wife's brother chose to have his leg surgery 50 miles away in Liverpool instead of 4 miles away at his main hospital. A couple of years ago I drove a friend to and from an eye hospital 35 miles away for his cataract surgery because the waiting list was very long at our local hospital, James Cook, which has a large eye surgery department.

The pamphlet I provided a link to above explains that you can choose a hospital anywhere in the country, and since this is NHS England it only refers to England. So, for example choosing Belfast for knee surgery as Pulaski suggested wouldn't work unless you were prepared to go private.

https://www.nhs.uk/NHSEngland/patien...ce-leaflet.pdf


I had no idea there was choice like this. Good to know. On reading the NHS site, I see there is a certain amount of choice in GP surgery, too, including choosing one that's a bit out of your area if they will accept you.
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