To ask what you pay for private healthcare?

[Emergencycake]

Just curious. I don't have private healthcare and am very concerned about what will happen to our NHS after Brexit, so trying to prepare myself (especially after Trumps speech today).

How much for a regular, healthy family of 4? Is it also a monthly outlay? And what level does that cover?

In Ireland, we are paying the lowest we can get for a family of 6 and basically get very little for it, ie we've opted out of most things they offer due to cost . I hate health insurance because of how much I then we have paid into it but I think it's necessary just in case(€149 a month)

No help, but have been looking at this for dd and I. I’ve had quotes of around £70-£80 per month for us both which seems quite reasonable really. I need to look into it more to see what’s actually covered, so I’ll be reading replies with interest!

Mustardscreams that's still £840 a year at the lowest price. Feel a like a lot, especially when I could have to potentially increase that for 4.

About £200 per month for 2 adults and one child.

We share the cost of any treatment at a rate of 15%.

I’m with Bupa and pay £46 for me and my toddler DD. I did choose a slightly higher excess of £500 and a limit on things like xrays and blood tests but otherwise my cover is very good, full medical cover otherwise. My DD’s works out at £9ish, and her cover is more comprehensive than mine. I wouldn’t be without it; it’s reassuring to have it in place even if I never use it.

That’s per month, I should have said.

I have no idea what that means Sorry? Does it mean you have to pay 15% on top if any pay out?

I got a quote with Aviva and it came to £90 a month for lesser cover.

Family of 5. Now pushing £900 pm. But we are >60. Becoming unaffordable now. We have kept it on mainly for the access to cancer care (not that we have needed it yet) as it seems that with all the delays and restrictions we are unlikely to get adequate treatment on the NHS.

See if you are eligible for Benenden.

£46 sounds more feasible I guess, but am soo worried that the monthly figures closer to and over the £100 Mark would have a catastrophic impact on many poorer families.

My DH & I have professional jobs and we would struggle to pay that on top of all our childcare bills, mortgage etc etc.

I recommend watching Knock down the house on Netflix, I think it shows a true reflection of what a mother went through as her daughter was refused treatment because if no insurance. It's soo sad.

You are asking the wrong question. Private health care in the UK cost very little as they don't have to pay for emergency treatment. The right question is how much do Americans pay for private healthcare.
I can answer both I currently pay £1700 a year for a family of 4 in the UK it doesn't cover Mental health/learning disabilities.
My health care in America also through employer was $1900 a month for a family of 4. Didn't cover curtain know conditions.

Both policies are cheaper as they are purchased by an employer I would hate to think what we would have been paying in the US if we hadn't had this... put it this way my neighbour who had custody of her children gave them back to her ex as he had healthcare and she didn't, and she couldn't afford it, even though he was abusive. healthcare was a risk worth taking as one son had autism and Cp and the other needed a squirt rectified so she took a gamble and put their health needs above their mental health and possible risk of assault.

Now put those calculations into a calculator and decide if it's worth going private! As in totally private

Oh and we paid $25 copay. And my son who got Lymes disease I have to pay so much for him even though he was treated and should be fine now but it is considered a pre existing condition!

I came on to say what pickme said. UK private health insurance is very cheap because of the NHS, private healthcare in UK isn't expected to cover emergency care for example.
DH (currently in USA) had a prescription for a strong stomach medication which after insurance was 300 dollars co pay.
3 thousand dollars after insurance was thought to be reasonable value by my US friends.

Sorry, for a straight forward birth.

Pickme I'm not sure I understand your angle. It sounds appalling that you would have to pay such an astronomical figure, and that your neighbour had to make such an awful decision for her childs health.

The NHS is free at the point of need currently, but appears that the US president has his beady eye on trying to make our system private which I think is awful and destructive.

If they had that system in the states your neighbour wouldn't have been put in that position to begin with.

We have decent American company coverage but it is accepted that it is such a poor deal for Brits that the company pays more to cover our extras only.

I think pickme's point is that it is no use looking at current costs for private UK healthcare insurance because the costs in a truly private system are much, much higher. I don't think she is saying she is fan!

Pickme it's also a British question because I'm interested in what other people are paying here. Brexit is likely to change our system, and I understand you pay more, but I assume our system can't just jump to what the US are doing. It would be crazy to assume that the Brits have hundreds of pounds to throw at healthcare every month. It would be a massive culture shock here and I have no doubt would break many families.

If the UK is determined to move to another system they’d do well to look at how Australia manages with a combination of government and insurance.

God bless you all if it moves to a US system. Our family insurance is about 27k a year, we pay about 5-6k of that. We have deductible limits of 10k for family, 5k for individual. We do have a $10 prescription copay which is excellent. We have no money due to paying copays and all sorts of shit.

Christ I am not a fan of American health care! If we go I tot he American system you are basically screwed. If you have to think about the cost enough to ask on here, you can't afford American style Healthcare. Support the NHS.

Brit in the USA. We pay $300 a month for healthcare on a family plan. Our insurance excess is $2000 per person per year

Okay I am out! I get the impression your post is not going the way you hoped. Your "innocent" post trying to make people think oh! that's not so bad! Has gone awry.
t I assume our system can't just jump to what the US are doing. It would be crazy to assume that the Brits have hundreds of pounds to throw at healthcare every month.

Why? We are all set up for it, lots of the NHS is already private, I have just moved into totally private from an NHS funded private contract.

And it PMSL at "it would be crazy to assume that the brits have hundreds of pound to throw at healthcare" ditto Americans many of them can't and do you know what happens? They go bankrupt, lose homes, die.

The problem is that it is the Americans that want access to the UK's healthcare system. Possibly not the running of it. It seems likely that Pharmaceuticals would be the first stop.
I would check the difference in costs between UK and US for drugs to give you an idea.

Surely Americans pay less tax though? The implication is that Brits are paying much less but surely that's what National Insurance was for?