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Am I being AIBU to ask how many of you have looked into medical insurance and hospital plans? And are you 100% you can afford it?

(101 Posts)
MaggieLightBlue Tue 16-May-17 08:46:24

Only asking as we have more than one, non self-inflicted condition in our family unit and I from what I have researched, this may be a hindrance to us getting Medicare or getting affordable Medicare, when the NHS finally collapses. sad

Concerned citizen

MaggieLightBlue Tue 16-May-17 08:51:50

We're already affected by the austerity cuts.

scaryteacher Tue 16-May-17 08:53:46

FGS, there are many alternatives between the NHS, and the U.S. model. The NHS is not a sacred cow and could do with some reorganisation, and the UK could do with having a non political debate about what we want the NHS to do, and how that should be funded.

ClaudiaWankleman Tue 16-May-17 09:00:30

YABVU to scaremonger like this - not based on any fact or manifesto policy. I'm not a Tory, but posting like this is really unfair. It undermines the democratic process IMO. No one's vote should be won through lies.

biscuit

SecretNetter Tue 16-May-17 09:03:36

Yabu with your attempted manipulative sad face and exaggerations.

makeourfuture Tue 16-May-17 09:09:08

It is something to consider. The US system is awful....just terrible.

If we end up seeking deeper treaties with the US post Brexit, will they make demands for US companies to move in?

JanetBrown2015 Tue 16-May-17 09:19:31

As all political parties support the NHS there is no need for any concern at all.

MaggieLightBlue Tue 16-May-17 09:25:16

You have no idea of our personal situation.

How much empathy people lack.

Not looking for pity, just looking for compassion and some rational thought.

I refer back to the original question.

arethereanyleftatall Tue 16-May-17 09:26:02

Yabu.
What a pointless, negative thing to research.
I'm hoping whichever party gets in does indeed overhaul the NHS. I would go with free emergency, free for children, free for those who can't afford it; and everyone else pays something.

BMW6 Tue 16-May-17 09:30:56

I'll cross that bridge when the NHS is scrapped. Am SO not worried about it happening. Reformed of course - scrapped Never.

GaelicSiog Tue 16-May-17 09:35:59

They'll never scrap it. There would be a riot if they did and they know it. I understand you're worried, but scaremongering like this is just ridiculous. Ask for reassurance, sure, but don't try to create hysteria.

soapboxqueen Tue 16-May-17 09:39:48

I honestly don't think there's any point in looking now because we'd have no idea what sort of healthcare system we'd have. Most health insurance is fitted around the NHS services we have so for example we have private medical but we have to use NHS GP who then refer us privately. The whole landscape would change.

And no all parties do not want to keep the NHS. Just because they are too frightened to say it out loud, doesn't mean they aren't chomping at the bit to sell it off.

RoseGoldProsecco Tue 16-May-17 09:47:51

AIBU isn't really the right place for that. You've already posted one political thread (amongst the hundreds of others!).

If you are really worried, there are better places to post. Like political party forums!

Littlestgirlguide25 Tue 16-May-17 09:53:15

Those saying they would go for a system where"those who can afford it" pay something.
How would you decide who can afford to pay?
DH and I both work FT and earn an OK wage. But without much in the way of luxuries, there's nothing left at the end of every month. We have no significant savings. If DH needed a stay in hospital I have absolutely no idea how we would cope with the cost of treatment not to mention lost earnings, and yet we would almost certainly be judged as able to pay.

CrazedZombie Tue 16-May-17 10:00:19

You're scaremongering.

If people have to start paying then they wouldn't suddenly move to the US model which is a major for-profit industry. Look to the rest of Europe for a system that's in between the 2.

Maltie Tue 16-May-17 10:04:13

Im a labour supporter. I really believe in the Nhs as a system. I do understand however that it needs some massive reconfiguration so it will be more effective.

The scaremongering about its collapse has been going on for at least 10 years when tony blair famously stated that we had 24 hours to save the NHS

Maltie Tue 16-May-17 10:06:06

Basically im saying do some actually useful research about the state of the NHS and how long its been failing. instead of looking at medicare and getting unnecessarily anxious about something that will not happen over here

Justanothernameonthepage Tue 16-May-17 10:09:14

I looked at private medical insurance. The list of exceptions and pre-existing conditions was enough to put me off. It was very much based on typical US insurance and system though which is awful. If they could base it on one of the better medical systems then I'd be more inclined to try it.

JanetBrown2015 Tue 16-May-17 10:12:13

How many people are ill on here? I sometimes think I must have swallowed some magical health drug or something. I have been to the GP about twice in 15 years. Why are people so sick in the UK?

ClarkWGriswold Tue 16-May-17 10:16:16

YABU but good try with your pathetic scaremongering to hoodwink a few imbeciles easily swayed voters.

DJBaggySmalls Tue 16-May-17 10:18:18

YANBU. People are bankrupted in the USA by their medical bills. People die because they have the wrong insurance. No one has the right to bury their head in the sand and be ignorant when they are causing people to die.

makeourfuture Tue 16-May-17 10:26:14

YANBU. People are bankrupted in the USA by their medical bills. People die because they have the wrong insurance.

It's true. Speaking to friends back in the US....just to begin to think about these things...the policies seem expensive. $1200 per month? Some more some less. But all with caps, deductibles and exclusions for pre-existing conditions.

UserThenLotsOfNumbers Tue 16-May-17 10:33:28

I understand your point and your concern, although your slightly judgemental tone ("non-self inflicted conditions") and hysteria are unlikely to win you much sympathy.

There are many thousands of people living with multiple medical conditions, I should think but a small proportion can afford private medical care, not least because said people may not be able to work due to their health.

Who knows what will happen with NHS, but it's very unlikely it will suddenly go from free to all, to people needing full on private care. And if it did, companies rejecting people with a medical condition would have to become a thing of the past. They would have very few customers! No doubt there'd be concessions, graduated scale of self paying etc. It won't be black and white is the point I'm trying to make.

elliejjtiny Tue 16-May-17 10:35:43

Janet I hadn't noticed that. I've only ever been to the gp for pregnancy related stuff. Had my last DC nearly 3 years ago now so not had many appointments myself for ages, just routine stuff like smears etc. I'm always at drs or hospital with the DC though.

kirinm Tue 16-May-17 10:51:42

Janet - I'm an epileptic and asthmatic. My sister was born with severe epilepsy - something she died from. My brother was diagnosed with type 1 diabetes after falling into a coma aged 8. Please can you explain how this is all the fault of where I live?

Getting travel insurance costs a fortune let alone medical insurance. My conditions mean the life insurance I need to cover my mortgage is ridiculously expensive. For life insurance, I even had to disclose recurrent miscarriages.

How do those who rubbish the possibility of needing health insurance (and it's extortionate price if you have a pre-existing condition) feel about Virgin Care running hospitals given that they certainly don't do it out of the goodness of their hearts? They are far from a 'not for profit' organisation.

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