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NHS and Insurance

NHS and Insurance

Old Aug 29th 2014, 3:22 pm
  #16  
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Default Re: NHS and Insurance

Originally Posted by petitefrancaise
not true, they always ask for the name and address of the doctor you are registered with.
That's easy. One could give their family GP's name & address.

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.
It's a fair point. My personal view is that when a person has paid 10+ years into the NHS, they should always be able to fall back on it if the time arises. When you look at the amount of foreigners coming to (ab)use the NHS it takes the piss that those who are British citizens who have paid into the NHS previously are now being charged to use it. It goes against everything the NHS was originally created for, which was taking care of British citizens regardless of ability to pay.

BTW - No other country has an NHS, yet doesn't stop Britain offering it despite opposition.
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Old Aug 29th 2014, 3:30 pm
  #17  
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Default Re: NHS and Insurance

Originally Posted by hungryhorace
That's easy. One could give their family GP's name & address.



It's a fair point. My personal view is that when a person has paid 10+ years into the NHS, they should always be able to fall back on it if the time arises. When you look at the amount of foreigners coming to (ab)use the NHS it takes the piss that those who are British citizens who have paid into the NHS previously are now being charged to use it. It goes against everything the NHS was originally created for, which was taking care of British citizens regardless of ability to pay.

BTW - No other country has an NHS, yet doesn't stop Britain offering it despite opposition.
The problem is that there are many thousands who live full time abroad, but always go back to the UK for any medical reason for free treatment, if they are not paying into the system, then why should they have the right to use it, many of them may well have contributed 15 years of NI payments, some 30 years ago, but they insist they have the 'right' to keep getting free treatment, despite the fact thaqt the amount they have contributed was used up many years ago. Many of them pay far more in airfares than their treatment would have cost them in the country they live in.
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Old Aug 29th 2014, 3:51 pm
  #18  
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Default Re: NHS and Insurance

getting on my high horse again!

The NHS is funded by current taxation. If you had a car accident but hadn't paid this year's premium, you wouldn't expect them to pay your bill would you? Same goes for the NHS. And the really great thing about the NHS is that everyone who lives in the UK can get good free treatment regardless of income. That is EXACTLY what it was set up to do - to help those in need. It is stretched already by the costs of equipment and medicines because everybody's expectations of care are much higher than when the NHS was set up.
We paid our travel insurance happily, I just wish I could have paid it directly to the NHS as a premium not a US company. (Now there's a thought?)

Now, it's my day off and I'm off to Marks and Sparks online!!

Have a lovely day folks and enjoy the sunshine xx
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Old Aug 29th 2014, 3:51 pm
  #19  
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Default Re: NHS and Insurance

Originally Posted by mikelincs
The problem is that there are many thousands who live full time abroad, but always go back to the UK for any medical reason for free treatment, if they are not paying into the system, then why should they have the right to use it, many of them may well have contributed 15 years of NI payments, some 30 years ago, but they insist they have the 'right' to keep getting free treatment, despite the fact thaqt the amount they have contributed was used up many years ago. Many of them pay far more in airfares than their treatment would have cost them in the country they live in.
I can only speak for myself, but if I got ill here (as I have done, and have been very impressed with the US system so far) I would use the US system as that's where I live, and - for all its criticism - it's actually damn good (here in MA at least AND if you have insurance of course).

The only time I would return home to use the NHS is if I was either dying or did not have insurance here in the US (ie, I lost my job and I didn't have a wife whose healthcare I could go on).
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Old Aug 29th 2014, 3:58 pm
  #20  
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Default Re: NHS and Insurance

Originally Posted by petitefrancaise
getting on my high horse again!
The NHS is funded by current taxation. If you had a car accident but hadn't paid this year's premium, you wouldn't expect them to pay your bill would you? Same goes for the NHS.
I see where you're coming from, but the analogy doesn't quite work. The NHS is actually more of a retirement fund; you rarely (if ever) use it when you are young and healthy, yet as your approach your later years your use of the NHS will increase. Taxpayers are, in practice, paying for their own long term care on the NHS.

BTW - re M&S, be careful of their import fees. Lots of talk about that in these forums.
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Old Aug 29th 2014, 4:03 pm
  #21  
 
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Default Re: NHS and Insurance

Originally Posted by petitefrancaise
.... We paid our travel insurance happily, ....
Which, if you have medical insurance in the US, you probably didn't need to do (at least the medical portion of it.
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Old Aug 29th 2014, 4:05 pm
  #22  
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Default Re: NHS and Insurance

The NHS is a pay as you go but not connected with NI, not sure why that keeps coming up.

How would you be in the UK obtaining NHS treatment and not pay taxes? You can not even fly in without paying a lot of taxes.

I never resigned from my Doctor, but I think they dump you after so many years.

I remember my Grandmother going to the Doctor in her 60's, Doctor mentioned they had not seen her for a while, as in 30 years! Different times.
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Old Aug 29th 2014, 4:06 pm
  #23  
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Default Re: NHS and Insurance

Some years back when my wife was living and working in the Uk she wanted to use her US Insurance, mega problems setting it up, but once done she never had to wait to get an appointment.

Last edited by scrubbedexpat099; Aug 29th 2014 at 4:10 pm.
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Old Aug 29th 2014, 4:10 pm
  #24  
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Default Re: NHS and Insurance

Originally Posted by Boiler
Some years back when my wife was living and working in the US she wanted to use her US Insurance, mega problems setting it up, but once done she never had to wait to get an appointment.
Exactly. My experience, with good insurance and living in a state that has world class healthcare, is that I can get a GP appointment when I want one (within a week or so) and a specialist visit (one I just booked yesterday as it happens) is no later than a fortnight.

The specialist visit will cost me a $15 copay. In the UK, privately, that would cost me the first 100 GBP at least.
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Old Aug 29th 2014, 4:14 pm
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Default Re: NHS and Insurance

Originally Posted by Boiler
The NHS is a pay as you go but not connected with NI, not sure why that keeps coming up.

How would you be in the UK obtaining NHS treatment and not pay taxes? You can not even fly in without paying a lot of taxes. ....
Indeed. 16.67% of almost every penny you spend in the UK goes directly to the Exchequer. Our 12 days in England earlier in the summer saw taxes paid massively greater than our medical insurance for a month.

That said, I was booted out of my last GP in the US for not visiting often enough! ..... I was going to have to reregister as a "new patient" and have an initial medical to be reaccepted as a patient, ..... and all I wanted was my tetanus booster.

Last edited by Pulaski; Aug 29th 2014 at 4:28 pm.
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Old Aug 29th 2014, 4:15 pm
  #26  
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Default Re: NHS and Insurance

I had to edit, I meant that she got immediate appointments at her UK Doctor.

Here we do not have a problem, the Surgery closed up a few months back!
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Old Aug 29th 2014, 4:17 pm
  #27  
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Default Re: NHS and Insurance

Originally Posted by Pulaski
Indeed. 16.67% of almost every penny you spend in the UK goes directly to the Exchequer. Our 12 days in England earlier in the summer saw taxes paid massively greater than our medical insurance for a month.

That said, I was booted out of my last GP in the US for not visiting often enough! ..... K was going to have to reregister as a "new patient" and have an initial medical to be reaccepted as a patient.
I assumed it was a lot more than that?
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Old Aug 29th 2014, 4:23 pm
  #28  
 
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Default Re: NHS and Insurance

Originally Posted by Boiler
I assumed it was a lot more than that?
Conservatively 4x, could have been 5 or 6x. ..... or prorated 12d v a month, somewhere between 8x and 14x.
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Old Aug 29th 2014, 4:25 pm
  #29  
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Default Re: NHS and Insurance

UK taxation is about half of GDP so directly or indirectly that may be a good enough figure.

You buy a Burger, you see the VAT but not all the other taxes hidden into the bill.
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Old Aug 29th 2014, 4:43 pm
  #30  
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Default Re: NHS and Insurance

Originally Posted by Boiler
The NHS is a pay as you go but not connected with NI, not sure why that keeps coming up.
The UK government is proposing to allow ex-pats access to the NHS as visitors so long as they have paid in enough years of NI.
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