There is no way any hospital should put an elderly, vulnerable person in a private room.
The poster was snowyb I think? He was the one who put Simplicity on our radar here I think. Hasn't posted for a long period now.Hi all,
OP here. I asked this question a few months ago and have just kept paying the premium on a monthly basis to give me time to consider. I put in on the side burner longer than intended but now wish to make a decision either way.
One thing that was suggested to me was that health insurance might be very useful if my dad ever needed IV antibiotics in the nursing home. Does anyone know whether all insurers cover this benefit (current plan is LAYA Simplicity) and how much it would cost if we went the self-insured route?
Also, the one treatment that my dad does get is physio. The Simplicity benefit here is pretty good (50% of cost for up to 25 visits). Is that as good as it gets in terms of dad-to-day physio benefits?
Before ever I joined AAM, I sometimes used to read healthcare posts and there was a poster who was a whizz at this sort of thing. I don't recall seeing him in recently? He was great.
Thanks odyssey06,
That's the lad...……..[someday there'll be mention about a very helpful fella who kept us all informed about Covid!]
We pay approx €2,600 a year on physios - i.e. €50 once a week.
So just to be sure to be sure, are we saying
- Current refund is (25 x €50 x 50%) less €100 = €525
- Simply Connect Plus refund = €1,000
If I've got this right - that's a great tip, odyssey06 - especially given that the premium for Simply Connect Plus is lower. THANKS.
Another question is how far can I go back??? My administration has been somewhat inefficient! The renewal date is 1 November. Can I go back to 1 Nov 2019? Can I go back even further?
Simply Connect refund is capped at €1000 so you would get €625 back.
If you had weekly physio sessions say 50 x €50 x 50% you would get €1000 back with Simply Connect.
If you had simply connect and did 25 x €50 x 50% you would €625 back versus Simplicity would give €525 because of the €100 excess.Thanks again odyssey06,
Sorry for being slow on the draw but I don't quite get this?
Does the first line refer to Simplicity?
And is the approach something like:
- First 2 physio sessions ignored to cover the excess
- Next 25 are allowed
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