Private Medical Care for Children - is it even worth it!

Aneela - posted on 02/28/2013 ( 6 moms have responded )

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Hello Ladies, I have recently cancelled my daughter's private medical care ( the customer service guy made me feel like the wicked witch!) I just do not see how it will benefit me. When i needed it for my daughter's psoriasis condition (which occured years after i took out this cover), i was told that it does not cover 'consultants', it won't cover any pre-exsisting conditions either. If my daughter were in an accident, this would be all taken care of through the NHS system. What is your take on this? has anyone had any experience with this?

Aneela

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Michelle - posted on 02/28/2013

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I'm in Australia and we are similar to the UK. I haven't have private health insurance and have never had a problem with our public system. I had all 3 children through the public system and got the best care.

I know people who have had private health insurance and have still been thousands of $'s out of pocket because the health fund doesn't cover everything. The main difference for me is not getting to choose your doctor at hospital and the waiting lists for non urgent surgery.

♫ Shawnn ♪♫♫ - posted on 02/28/2013

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I would NEVER be without insurance for my children. Considering that we've had $60K in medical bills over the last 2.5 years, I'm very thankful for our coverage.

I would hope that you pursued every avenue with the company before dropping them like a hot potato. I, too, had struggles with our company about coverage, etc, but each time I brought the documentation needed to explain the conditions, and either got exceptions, or the company realized that they'd been incorrectly informed.

So, I'm assuming that the NHS is a national health program where you live, like medicaid in the US? In which case, if you cancelled the private insurance (that you obviously could afford, if you had it in the first place), you're comfortable with your child being treated at the whim of a doctor that has to adhere to NHS guidelines?

Personally, I think that, since you made the choice to cancel the insurance, even though you could afford it, you should have to pay all subsequent medical bills out of your own pocket, and not burden a system that is designed to help those in need. But, that's my opinion, and I'm not you.

Hope all goes well.

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Liz - posted on 02/28/2013

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Here in the USA, I wouldn't be without private medical insurance for myself or any member of my family, especially my child, for a _second_, but that's because things over here are VERY different!

Aneela - posted on 02/28/2013

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Hello Shawn,

Thanks for your prespective, thankfully my child has been well outside of the psoriasis episode - but you never know what tommorow holds. medication, personally is my last resort if i can help it (personal choice) i don't always agree with the care given by the NHS in the UK, this has made me think twice.........but the cover in my opinion just doesn't cover much at all.

Aneela

Liz - posted on 02/28/2013

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Totally different set up between the US and the UK. Shawnn, that's just not the way the NHS works. In the UK nearly EVERYONE uses the NHS, it isn't for poor people only and is not comparable to Medicaid. Hardly anyone has private insurance and those who do are usually senior corporate managers getting it as a perk or the extremely wealthy.

Aneela, the NHS system is great for children. There are plenty of resources and every major city has a good children's hospital. It's adults that should be concerned...and I say this as someone who trained as a registered nurse for the NHS. Even with the experiences I have, I would 100% support putting my own daughter through NHS treatment.

I would say you are doing the right thing. Absolutely the right thing.

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