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Money Times - August 15, 2017

Posted by Jill Kerby on August 15 2017 @ 09:00

WITH RECORD HSE QUEUES YOU NEED YOUR OWN TREATMENT PLAN

 

If you are over age 75, and have need for the services of a public hospital Emergency Department you may very well be worried.

And if you are one of the 687,000 patients still waiting for treatment in a public hospital anywhere in the country – up nearly 10,000 on July - or know someone who is in the 50% waiting over six months, you might want to do something more than just worry about the length of that delay.

The latest news about HSE waiting lists is only getting worse, and the Minister for Health is now on the verge of appointing a new ‘health Czar’, to try and bring some control to the €15 billion mess that is the public health service here.

Good luck to him. 

Until that stubborn nut is cracked, anyone who doesn’t already have private health insurance or a large bank balance needs to ‘hope for the best and plan for the worst’. And that means coming up with a practical, personal, affordable health plan of your own to ensure that you (or someone you love) doesn’t end up on that ‘patient-in-waiting’, or better still, is able to get off that list by receiving appropriate treatment.

Find a Private Consultant

According to the latest National Treatment Purchase Fund survey, the majority of the 687,000 patients– 493,780 - are waiting to see a consultant.

Since the public consultants’ supply problem will not be sorted out easily or quickly, you need to get your GP to recommend one. Expect to pay the consultant a fee of c€200, which is tax deductible. Use income or savings. If you have neither, sell something on eBay, DoneDeal.ie, Gumtree.ie , at a car boot sale or local market. If that isn’t possible, try borrowing the money from family or friends or the Credit Union. Check out the CU’s ‘It Makes Sense’ microloan scheme for people in receipt of a social welfare payment.

Try to avoid borrowing the money from a moneylender, but frankly, a €250 loan for an important medical consultation is just as worthy as a loan for expensive Christmas toys or elaborate First Communion clothes. On-line begging for expensive private medical treatment/hospitalisation is also perfectly respectable:  it’s called ‘crowd-funding’.

Private Treatment

Once you have a diagnosis from the consultant you can start investigating how to arrange and pay for your treatment.

The reactivation of the National Treatment Purchase Fund in 2017 means that public patients on hospital waiting lists, or on the recommendation of a consultant  are being sent to private hospitals in the EU/EEA under the EU Cross Border Treatment Directive or under the HSE Treatment Abroad Scheme if treatment is not available in Ireland (or is taking longer than it should to occur.) The cost to you, the patient is refunded by the HSE up to the cost of the same treatment in a public hospital in Ireland. (Ironically, the only private hospital treatments the HSE will not refund are those incurred in the 19 private hospitals located here in Ireland.)

The single longest outpatient waiting list -18,660 - is for a gastrointestinal check. The longest in-patient treatment list is for ophthalmology cases, followed by orthopaedic and urology cases.

Shop Around

If you need a hip replacement, for example, and are low on the Irish public hospital waiting list or the Cross Border or Treatment Abroad Scheme you can look for an approach a treatment centre in the EU and EEA and get prior approval from the HSE. See National Contact Points, Cross Border Health Directive on www.citizensinformation.ie

If for some reason HSE approval is not forthcoming, but your doctor still recommends treatment and you can afford to pay for it yourself, either from a private Irish or foreign hospital, you will at least be entitled to claim standard tax relief on your medical costs and expenses, according to Sandra Gannon of the tax consultants TAB Tax Services. (A hip replacement here will cost up to c€16,000 but just c€3,500 in Lithuania.)

Buy Health Insurance

The best way to avoid getting caught up in all the HSE’s legendary waiting lists, is to have a good private health insurance policy with comprehensive outpatient and hospital based cover (c€1,300 plus per annum.)  The greatest benefit of having such insurance is not the better accommodation or food in the private hospitals (however welcome) it is your ability to jump a queue that is now 86,111 long for inpatient or day care treatment in a public hospital.

It won’t do much good to someone with a pre-existing condition (like a dodgy hip) that caused you to join those horrific queues in the first place, says Dermot Goode of www.totalhealthcover.ie but you will be covered sooner for new, unrelated medical events.

Finally, even a good health cash plan (one premium can cover the entire family) from www.hsf.ie  for about €950 a year will pay tax-free benefits for a range of outpatient and in-patient events, including consultants fees and private hospital expenses.

 

Please send your queries to Jill c/o this paper or by email: jill@jillkerby.ie

 (The new TAB Guide to Money Pensions & Tax 2017 is now out. €9.99 in good bookshops. See www.tab.ie for ebook edition.)  

 

 

 

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    FINANCIAL BREAKTHROUGH Life indeed is GRACE, I'am Daan Sophia currently in California USA. I would like to share my experience with you guys on how I got a loan of $185,000.00 USD to clear my bank draft and start up a new business. It all started when i lost my home and belongings due to the bank draft I took to offset some bills and some personal needs. I became so desperate and began to seek for funds at all means. Luckily for me I heard a colleague of mine talking about this company, I got interested although i was scared of being scammed, I was compelled by my situation and had no choice than to seek advise from my friend regarding this very company and was given their contact number, getting intouch with them really made me skeptical due to my past experience with online lenders, little did i know this very Company "PROGRESSIVE LOAN INC. was a godsent to me and my family and the entire Internet World, this company has been of great help to me and some of my colleague and today am a proud owner of well organized business and responsibilities are well handled all thanks to Josef Lewis of (progresiveloan@yahoo.com).. So if really you are genuinely in need of a loan either to expand or start up your own business or in any form of financial difficulty, i advise you give Mr Josef Lewis of Progressive loan the opportunity of financial upliftment in your life Email: progresiveloan@yahoo.com OR Call/Text +1(603) 786-7565 and not fall victim of online scam in the name of getting a loan. thanks
  26. Abab
    Do you need a loan? If yes! Contact Fifo Capitals and Mortgages Limited ® for small and large loans amount. We give out loan at 2% interest rate. Contact us today via E-mail at:.(fifocapitals@gmail.com) We also give out from. £5 thousand Pounds to 100 million Pounds for individuals and companies, the credit is open to all regardless of nationality....
  27. SuiteCapitals@gmail.com
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  28. Dr. Bentley Grants
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  29. Michelle Huxford
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  30. Michelle Huxford
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  31. PergoCF@gmail.com
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  32. Mrs Cindy
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  33. PergoCF@gmail.com
    Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com Kindly write us back with the loan information; - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com Yours Sincerely, Mr. Ren Hya PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@qualityservice.com ( PergoCF@gmail.com ) PergoCF@cheerful.com
  34. Leon Tourish
    We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA. Contact : Mr. Leon Tourish Email:Mchugh017@gmail.com Skype ID: Mchugh017@gmail.com Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved. All inquires to Mr. Leon Tourish should include the following minimum information so I can quickly address your needs: Complete contact information: What exactly do you need? How long do you need it for? Are you a principal borrower or a broker? Contact me for more details. Leon Tourish
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  36. Heather Patrick
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  37. SuiteCapitals@gmail.com
    Do you seek funds to pay off Credits and Debts? SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) is here to put a stop to your financial problems. We offer all kinds of Loan (Personal Loan, Commercial Loan, etc.) We give out loan with an Interest rate of 1.00%. Interested applicants should Contact us via email: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
  38. SuiteCapitals@gmail.com
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  39. PergoCF@gmail.com
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  40. FIFOCapitals@gmail.com
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  41. SuiteCapitals@gmail.com
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  42. PergoCF@gmail.com
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  43. mr kurt
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  44. SuiteCapitals@gmail.com
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  45. SuiteCapitals@gmail.com
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  46. CHRISTOS
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  47. SuiteCapitals@gmail.com
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  48. david verney
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  49. david verney
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  50. WE OFFER ALL KIND OF LOANS
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  51. WE OFFER ALL KIND OF LOANS
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