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Author Topic: Frequent urine infection at 16  (Read 21759 times)

Eddie

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Re: Frequent urine infection at 16
« Reply #30 on: August 08, 2012, 08:43:18 PM »

Thanks, think i'm getting things in order. Eddie. x
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CLKD

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Re: Frequent urine infection at 16
« Reply #31 on: August 08, 2012, 08:43:46 PM »

That's good.  Feeling in control can make a huge amount of difference!
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leony

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Re: Frequent urine infection at 16
« Reply #32 on: August 09, 2012, 10:36:36 AM »

Eddie have to have a referral letter from GP to see them as they will not refund the consultation fee without the name of the GP that referred you and you have to send in the consultation fee receipt along with the claim form. Hope that helps seen mine in less than 2 weeks, good luck.
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Eddie

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Re: Frequent urine infection at 16
« Reply #33 on: August 09, 2012, 11:16:30 AM »

I am due at dentist tomorrow, so i could delay that a bit and get some help with that. Would i need to be due dental check-up first?
I know this is a bit off topic, but it could actually be quite handy.

So, i start with G.P., we see her on Monday or Wednesday.
Then pick a practice, see doc, see urologist, then transfer to NHS?

Eddie. x
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honeybun

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Re: Frequent urine infection at 16
« Reply #34 on: August 09, 2012, 11:33:42 AM »

This may be a silly question but I will ask it anyway.

A few years ago when I was having trouble with a small hernia I considered taking out private health care and using it to get the operation.
After a bit of phoning around I was told that it was much the same as pet insurance  ::) and they would take me on but my pre existing condition (the hernia) would not be covered.

Does this apply to all medical insurance companies or are some different.

Honeyb
x
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Eddie

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Re: Frequent urine infection at 16
« Reply #35 on: August 09, 2012, 11:47:32 AM »

HoneyB. This is what i'm thinking too. It would be really good if we could do this.
Eddie. x
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honeybun

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Re: Frequent urine infection at 16
« Reply #36 on: August 09, 2012, 11:50:14 AM »

I think you may have to pay for this one Eddie and then be transferred. Have you thought of calling Ross Hall. I know that a lot of their consultants do both private and NHS.

I am pretty sure no pre existing conditions are covered by a new health policy.

I hope I am wrong and would be happy to be shot down in flames here.

Honeyb
x
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Joyce

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Re: Frequent urine infection at 16
« Reply #37 on: August 09, 2012, 01:00:02 PM »

We used to be with BUPA many years ago and they wouldn't cover my pre-existing incisional hernia. 
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Firewalker50

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Re: Frequent urine infection at 16
« Reply #38 on: August 09, 2012, 08:55:14 PM »

Hi Eddie

In my own experience, pre-existing conditions are not covered by traditional private health cover such as BUPA, Prudential etc.

Westfield Health and other cashback plans operate differently and don't have that restriction.  However they are not the same type of cover.

As I understand your position:

Private Health if you take it out now would not cover any treatment privately

A cash health plan would allow consultation fees and some other tests to be refunded. There is generally a 3 month waiting list. You pay and then claim back a percentage or whole amount depending on the cover you have.  I would research a few online and then decide.

So your choices are:

Take out cash plan and wait the required time (3 months).
Go via traditional NHS
Pay for private consultation and then revert to NHS.

If you go for option 3, do some research first about best urologist and hospital.  Phone to check fees for paying yourself and check the consultant works in NHS and where he practices, so you could continue there.

Then go to your GP, discuss referral to urologist. If you are not happy with the NHS or GP options, say you would like to pay privately because you are so concerned about the situation. 
Ask the GP to write a letter to the Consultant (you already have the name and hospital). 

Then you make appointment with consultant and you will have the letter organised.

Be aware that the consultant may wish to carry out scans/tests which will cost privately.  He/she may not be able to give full opinion without them, so be clear on the costs with him and what you can pay yourself. Very often, if they realise you are frustrated enough to pay privately, they will do what they can to help on NHS.

Also remember, that scans etc are charged by those departments and not him/her so be sure to clarify what you may have to decide.

Long answer eddie, but I hope it helps.

Fx
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Eddie

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Re: Frequent urine infection at 16
« Reply #39 on: August 09, 2012, 10:23:27 PM »

Ah, thanks for making it clear.
Just spent another evening in A&E, poor soul can't get any rest from it. Doc there said go back to gp and ask for ultrasound, why on earth she couldn't organise it i don't know. Absolutely useless, so, Westfield health have waived there waiting time.
Docs tomorrow and go from there.
Eddie.x
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Eddie

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Re: Frequent urine infection at 16
« Reply #40 on: August 10, 2012, 07:55:57 AM »

Just googled 'private gp's' in my postcode, and our own health centre came up? I  already have an appt for 5.30 there today, so i  should ask who is doing private consultations. I thought a private g.p. wouldn't work within an nhs practice, i know they all use the same hospitals.
Eddie.x
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Firewalker50

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Re: Frequent urine infection at 16
« Reply #41 on: August 10, 2012, 08:06:09 AM »

Ah, thanks for making it clear.
Just spent another evening in A&E, poor soul can't get any rest from it. Doc there said go back to gp and ask for ultrasound, why on earth she couldn't organise it i don't know. Absolutely useless, so, Westfield health have waived there waiting time.
Docs tomorrow and go from there.
Eddie.x

Hi eddie. Just read your post. Are you saying you have spoken with Westfield Health and they have waived the three months waiting time before you can make the claim?   If so, and if the plan suits you, then that's fab.   

I can understand a waiting time in a cashplan situation but fab if they have waived it.

I use mine for specs, dental, complementary therapies which help with menopause. I have had no need for consultants yet.    There is also a GP / specialist line through which you can get a second opinion. 

There are other cashback plans which work well too.


Fx
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Eddie

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Re: Frequent urine infection at 16
« Reply #42 on: August 10, 2012, 08:15:37 AM »

Hi Firewalker, It's this months offer, but i also read the small print and if anyone has seen a gp, visited hospital or taking any prescribed medicines it must be disclosed, prob class as pre-existing.
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Firewalker50

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Re: Frequent urine infection at 16
« Reply #43 on: August 10, 2012, 09:58:23 AM »

They are very helpful. I would suggest you phone and claridfy this position. At least you will be aware one way or another.

Fx
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Eddie

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Re: Frequent urine infection at 16
« Reply #44 on: August 10, 2012, 10:07:20 AM »

That's what i've just done, they class it as pre-existing, so back to two options, i'll ask the gp i see today who does private consultation in surgery and go from there.
Eddie. x (feeling like i've let her down.)
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