Health Insurance New Health Insurance provider launches

[Monbretia]

Just had another look and Simply Connect Plus is attractive too. I especially like the 50% refund of dental fees.

This sentence jumped out at me while reading up as must renew this week. Anyway I had SCP this year and was very disappointed with the dental bit, I had an expensive appointment earlier this year, they only cover something towards cleaning I think under routine and emergency.

Anyway I had to go to a dentist with a toothache, long story short, they referred me for a root canal to a different dentist for that, after the consultation it was agreed to monitor for 6mths before deciding. It cost me €150 for the appointment but Laya said none of that was covered under SCP as basically they didn't consider it routine and it wasn't emergency either.

 

[mct1]

Just thinking though - where else would you be getting an xray done potentially (that it's not covered)?

That's all X-rays wherever they're done. The Beacon, for example, charge €130 of which Laya refund half.

As far as scans are concerned, I had a CT done privately in my local hospital much faster than the nearest approved centre would have done it. Laya refunded half of the €280. I confirmed today that plan D would pay only €20.

 

[messyleo]

That's all X-rays wherever they're done. The Beacon, for example, charge €130 of which Laya refund half.

As far as scans are concerned, I had a CT done privately in my local hospital much faster than the nearest approved centre would have done it. Laya refunded half of the €280. I confirmed today that plan D would pay only €20.

But would that not be often done either as an in-patient (and covered under in patient cover) or in beacon A&E (and covered under emergency dept in private hospitals cover)

CT scans are covered in full - direct pay - with level health Plan D in lots of places including Blackrock, Bons, Mater, Vincents private. That would cover a lot of people.

 

[ClubMan]

But would that not be often done either as an in-patient (and covered under in patient cover) or in beacon A&E (and covered under emergency dept in private hospitals cover)

CT scans are covered in full - direct pay - with level health Plan D in lots of places including Blackrock, Bons, Mater, Vincents private. That would cover a lot of people.

All the scans that I've ever had have been as a non emergency outpatient. Actually, on reflection, about half of them were via the public system where no insurance was needed at all...

 

[Armada]

This sentence jumped out at me while reading up as must renew this week. Anyway I had SCP this year and was very disappointed with the dental bit, I had an expensive appointment earlier this year, they only cover something towards cleaning I think under routine and emergency.

Anyway I had to go to a dentist with a toothache, long story short, they referred me for a root canal to a different dentist for that, after the consultation it was agreed to monitor for 6mths before deciding. It cost me €150 for the appointment but Laya said none of that was covered under SCP as basically they didn't consider it routine and it wasn't emergency either.

There seems to be always something in the fine print somewhere that covers them not paying out. Thought it sounded too good to be true.

 

[Roro999]

This sentence jumped out at me while reading up as must renew this week. Anyway I had SCP this year and was very disappointed with the dental bit, I had an expensive appointment earlier this year, they only cover something towards cleaning I think under routine and emergency.

Anyway I had to go to a dentist with a toothache, long story short, they referred me for a root canal to a different dentist for that, after the consultation it was agreed to monitor for 6mths before deciding. It cost me €150 for the appointment but Laya said none of that was covered under SCP as basically they didn't consider it routine and it wasn't emergency either.

What's SCP ?

 

[ClubMan]

What's SCP ?

[Laya] Simply Connect Plus.

 

[scallywag]

I see for orthopaedic procedures there's a €2,000 "co-payment". It's in their PDF "Specified Procedures list", so it's the same for all policies it seems.

That's pretty much a showstopper for me - I had a hip relacement this year and my Laya policy covered all of it.

Am I missing something here? I'm calling them now to clarify, and am in a queue for about 30 minues, still waiting.

 

[mct1]

Levelhealth Plan D has full cover for the specified orthopaedic procedures. The other plans, A to C, have a €2000 co-payment. It's in the tables of cover.

 

[scallywag]

Thanks for that mct1, I missed that.

But Levelhealth Plan D is the most expensive, and way beyond what I'm paying now with Laya. So that's a definite minus point for me.

Currently I'm at about €1,000 p.a. with Laya, going up to €1,200 now. But Plan D would cost me at least €2,200.

Now I don't expect too many orthopaedic procedures, but it's something to take into account anyway when deciding.

 

[GAAmam]

Thanks for that mct1, I missed that.

But Levelhealth Plan D is the most expensive, and way beyond what I'm paying now with Laya. So that's a definite minus point for me.

Currently I'm at about €1,000 p.a. with Laya, going up to €1,200 now. But Plan D would cost me at least €2,200.

Now I don't expect too many orthopaedic procedures, but it's something to take into account anyway when deciding.

you must be on a fairly basic plan with Laya if its costing €1,000 currently; probably more comparable to Level Health's Plan A or B offering

 

[messyleo]

you must be on a fairly basic plan with Laya if its costing €1,000 currently; probably more comparable to Level Health's Plan A or B offering

And I doubt your laya plan has full cover in blackrock / mater private / hermitage etc so depends where you might be having the procedure also