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Armada said:
Just had another look and Simply Connect Plus is attractive too. I especially like the 50% refund of dental fees.
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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.
 
messyleo said:
Just thinking though - where else would you be getting an xray done potentially (that it's not covered)?
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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.
 
mct1 said:
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.
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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.
 
messyleo said:
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.
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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...
 
Monbretia said:
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.
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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.
 
Monbretia said:
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.
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What's SCP ?
 
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.
 
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.
 
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.
 
scallywag said:
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.
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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
 
GAAmam said:
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
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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
 
scallywag said:
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.
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What policy do you have with Laya for 1k that covers orthopaedic 100 % ?
 
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