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NHS and Insurance

NHS and Insurance

Old Aug 28th 2014, 2:01 am
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Default NHS and Insurance

I am a British subject with US passport. If I had to go home for an extended stay, would I have to buy health Insurance while I was there. I know A&E would be covered, but if admitted into hospital, what would be my options? I am under Medicare/Advantage here in the States. Thanks
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Old Aug 28th 2014, 2:34 am
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Default Re: NHS and Insurance

depends on a few factors..
if you are temporarily working in the USA for less than 5 years and have lived in the UK for at least 10 years prior to leaving the UK. I would think that if you don't have LPR status here you could argue that you are temporarily working here..
More info here: Citizens Advice - NHS charges for people from abroad

We bought health insurance cover $200 for 3 weeks for a family of 5. Knowing my lot, I decided that it simply wasn't worth the risk. Best thing I ever did. For the first time in ages nobody needed to see a doctor on holiday....
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Old Aug 28th 2014, 3:25 am
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Default Re: NHS and Insurance

Originally Posted by MJO61 View Post
I am a British subject with US passport. If I had to go home for an extended stay, would I have to buy health Insurance while I was there. I know A&E would be covered, but if admitted into hospital, what would be my options? I am under Medicare/Advantage here in the States. Thanks. .....
What do you mean by "extended"? If it's more than six months, making you liable for UK income taxes, you could probably argue you've become resident again.

If you buy any sort of travel insurance and develop a medical problem in the UK, the insurer will likely expect you to return to the US for any extended treatment, assuming you're able to travel.
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Old Aug 28th 2014, 3:53 am
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Default Re: NHS and Insurance

[QUOTE=Pulaski;If you buy any sort of travel insurance and develop a medical problem in the UK, the insurer will likely expect you to return to the US for any extended treatment, assuming you're able to travel.[/QUOTE]

Maybe not - it's MUCH cheaper to get treatment in the UK. In fact some insurance companies are now offering incentives for non-urgent care to be done in Europe. I'd definitely go to France for care.
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Old Aug 28th 2014, 5:42 am
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Default Re: NHS and Insurance

Change extended stay to resuming residence and you are good to go.
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Old Aug 28th 2014, 7:14 am
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Default Re: NHS and Insurance

Originally Posted by petitefrancaise View Post
depends on a few factors..
if you are temporarily working in the USA for less than 5 years and have lived in the UK for at least 10 years prior to leaving the UK. I would think that if you don't have LPR status here you could argue that you are temporarily working here..
More info here: Citizens Advice - NHS charges for people from abroad

We bought health insurance cover $200 for 3 weeks for a family of 5. Knowing my lot, I decided that it simply wasn't worth the risk. Best thing I ever did. For the first time in ages nobody needed to see a doctor on holiday....
If the OP has a US passport, then they must be a US citizen, so LPR doesn't come into it. They would have to pay for treatment just as any temporary visitor to the UK would.
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Old Aug 28th 2014, 11:14 am
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Default Re: NHS and Insurance

Thanks all. Might have to take care of brother, so not sure how long I would stay. To be on the safe side, think I will take out health Insurance while I am there. Any recommendations?
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Old Aug 28th 2014, 11:16 am
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Default Re: NHS and Insurance

Originally Posted by MJO61 View Post
Thanks all. Might have to take care of brother, so not sure how long I would stay. To be on the safe side, think I will take out health Insurance while I am there. Any recommendations?
First check if your US insurance will pay out on foreign medical expenses.
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Old Aug 28th 2014, 11:36 am
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Default Re: NHS and Insurance

Thank you, I will.
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Old Aug 28th 2014, 12:25 pm
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Default Re: NHS and Insurance

Originally Posted by Pulaski View Post
First check if your US insurance will pay out on foreign medical expenses.
Ours covers us when travelling overseas.
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Old Aug 29th 2014, 8:09 am
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Default Re: NHS and Insurance

Mine does as well.
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Old Aug 29th 2014, 2:57 pm
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Default Re: NHS and Insurance

Originally Posted by Jerseygirl View Post
Ours covers us when travelling overseas.
Same, but only for A&E as we're on a HMO with only in-network cover (unless an ER visit is required, then we can go anywhere).

Personally, if I was the OP I would get a basic policy to cover him, though the chances of him EVER being asked to pay anything were he to give a British address (family home etc) is 0 from everything I've read.
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Old Aug 29th 2014, 3:04 pm
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Default Re: NHS and Insurance

Originally Posted by petitefrancaise View Post
Maybe not - it's MUCH cheaper to get treatment in the UK. In fact some insurance companies are now offering incentives for non-urgent care to be done in Europe. I'd definitely go to France for care.
See HH post #12, above.
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Old Aug 29th 2014, 3:06 pm
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Default Re: NHS and Insurance

"though the chances of him EVER being asked to pay anything were he to give a British address (family home etc) is 0 from everything I've read"

not true, they always ask for the name and address of the doctor you are registered with. Apart from anything else, if we haven't lived in the UK for years, haven't paid tax or NI there, why should we expect to get free treatment? We wouldn't get it anywhere else.
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Old Aug 29th 2014, 3:09 pm
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Default Re: NHS and Insurance

Originally Posted by petitefrancaise View Post
.... Not true, they always ask for the name and address of the doctor you are registered with. Apart from anything else, if we haven't lived in the UK for years, haven't paid tax or NI there, why should we expect to get free treatment? We wouldn't get it anywhere else.
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