Health Insurance Health insurance in a nursing home
- Thread starter Shelby219
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I think there might still be some benefits with private insurance, e.g. if needed say cataract surgery the public waiting list is very long.
But it sounds like she is on a very expensive plan?
I think there are plans around for circa €1300 - €1500 which would cover most requirements.
But it sounds like she is on a very expensive plan?
I think there are plans around for circa €1300 - €1500 which would cover most requirements.
Just checked, and she is on VHI Health Plus Premium, in a South Eastern Health Board group schemeWhat policy is that for €3,861.00Are you 100% sure that its for health insurance only?
That's €3860 a year premium which is a crazy price. You should be able to get private hospital cover including cover at Beacon, Mater Private for half that.
I'm not familiar with VHI plans and your mother would probably have a preference to stay with them.
There was a previous post on alternatives to that particular plan - some of the info is now a little out of date but it should give you an idea of what to be looking for
VHI - Alternative to Health Plus Premiun
Hi, my parents' policy is due for renewal next month. They are both on the Health Plus Premium policy with Vhi, which costs €7,000 between them. Are there any cheaper alternatives with a similar level of cover? A private room in a high tech hospital is a must.
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I think the Nurse Manager in your mothers nursing home is the best person to advise on this.
Brendan Burgess
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And the nurse manager will tell you that it's not required.
Health Insurance - At what age does health insurance make little sense?
My dad is in a nursing home and my mam is at home - both just about on the right side of 90. They have been paying their medical insurance premiums since forever and I'm wondering is there much point in continuing to do so. My understanding is that the main purpose of private cover is to get...
www.askaboutmoney.com
In my experience, the Nurse Manager, knowing the person and their medical history will give a professional opinion to any question asked.
Health insurance great for planned procedures or non urgent but at that age anything that crops up is likely to mean an ambulance and that goes straight to public hospital A&E so health insurance unlikely to be of much use.
Having said that I would keep it but change to a much cheaper plan, that's mad money really. My father made no use of his health insurance in his final couple of years as everything was an ambulance trip at that stage so straight to public hospital. Nevertheless we kept it just in case, of what I don't know! But it was costing way less than that, he was not in a nursing home though.
We deliberately changed though to semi private a few years previously as even though he wanted a private room in theory it proved on the few times he had one to be to his disadvantage, he fell out of the bed once, couldn't reach the button, ringing the button and no one coming etc at other times. At least when there was someone else in the room with him it was a back up should help be needed and sure enough when he did become ill again in his room it was the other patient that managed to call for assistance.
Having said that I would keep it but change to a much cheaper plan, that's mad money really. My father made no use of his health insurance in his final couple of years as everything was an ambulance trip at that stage so straight to public hospital. Nevertheless we kept it just in case, of what I don't know! But it was costing way less than that, he was not in a nursing home though.
We deliberately changed though to semi private a few years previously as even though he wanted a private room in theory it proved on the few times he had one to be to his disadvantage, he fell out of the bed once, couldn't reach the button, ringing the button and no one coming etc at other times. At least when there was someone else in the room with him it was a back up should help be needed and sure enough when he did become ill again in his room it was the other patient that managed to call for assistance.
Of course her opinion matters, I just don't see why her money should be spent on a plan if there is one the same at a better price, are we not always being told not to keep the same plan year after year!
And is she of the same opinion?