Q My son is having major issues with impacted wisdom teeth and might want to get them surgically removed. We don’t have dental insurance but we’ve private medical health insurance. Will our medical health insurance cover the fee of the surgical removal of wisdom teeth? Gerry, Co Tipperary
A The prices your medical health insurance plan will cover very much is dependent upon the style of policy you’ve gotten as cover may be quite varied. Wisdom tooth removal is either carried out by a dentist or surgically removed in a hospital – it’s as much as the dentist to choose which is the most effective option. Some general dentists will tackle impacted wisdom teeth, but most won’t.
When going for any procedure, I’d all the time recommend looking for pre-approval out of your medical health insurance provider. There are three pieces of data you’ll need to ascertain along with your provider. These are: the name of the consultant that will likely be carrying out the procedure, the procedure code (a code typically used to discover surgical or medical procedures), and the name of the hospital you might be attending.
There are several procedure codes for the removal of wisdom teeth, depending on the position and in the event that they are impacted.
Most level 2 plans – that are plans which cover semi-private rooms in private hospitals – will cover all private hospitals but lately, certain plans exclude some private hospitals so it’s essential to make sure you are covered for the hospital before the visit.
Cover for HRT or visits to a menopause clinic
Q Do any of the private health insurers offer cover for Hormone Substitute Therapy – or visits to a menopause clinic, similar to The Menopause Hub? I’m in my Forties now and would really like to get onto a medical health insurance plan that gives good cover across the menopause – should I would like it. Would you recommend any plans? Niamh, Co Cork
A There are not any medical health insurance plans designed specifically for menopause. The Menopause Hub is run by a multidisciplinary team of consultants, psychologists, physiotherapists and dieticians. Many corporate plans will contribute towards the fee of those visits in the event that they are listed as a participating consultant along with your provider.
Within the last 12 months, menopause cover is something which providers have introduced on their plans. Irish Life Health for instance launched a latest suite of ‘Health Guide’ plans. There are 4 options on this suite and these plans include advantages towards menopause – with each ranging in price and advantages to suit different budgets.
Laya Healthcare added menopause cover to a few of its high-end plans in January and is on account of extend this to several of its policies from July 1.
Cover for convalescence care
Q My mother had a foul fall recently and has spent the last couple of weeks in hospital. The hospital has advised that she might have to spend a few months in convalescence care before she will be able to return home. My mother is on VHI Health Plus Access plan. Does this plan cover convalescence care – in that case, how much convalescence care is roofed? The hospital has also advised that my mother will need some home help every time she returns home – assuming she will be able to return home. Does the VHI Health Plus Access plan offer any cover for home help or for support provided in the house? Colin, Dublin City
A Convalescence is a minimum profit so legally, all three of Ireland’s health insurers must include a certain level of this cover on every policy. Unfortunately, the duvet offered is usually limited and isn’t prolonged past 14 days. ‘Health Plus Access’ offers €51 per night for the primary 14 nights towards the fee of semi-private or private room accommodation. Even VHI’s top plan ‘Premium Care’, which is €4,000 per person per 12 months, will only cover €70 an evening for the primary 14 nights. There’s a plethora of approved convalescence centres and these may be found on the VHI website.
VHI has a implausible ‘Hospital@home’ service, which is roofed on HealthPlus Access. When referred by a GP or consultant with one in every of the eligible conditions, the team will visit and assess your mother’s needs. All obligatory medication and equipment are provided and he or she can be seen by a member of the team at the very least once a day and as much as a maximum of 3 times a day.
Maternity cover on latest plan
Q Seven months ago, I moved back to Ireland from a stint living abroad and took out medical health insurance immediately upon returning. I came upon last month that I’m pregnant. I had planned to attend until I used to be on the policy for the required 52 weeks before falling pregnant as I desired to be treated privately. What’s the difference between private and non-private care and may I pay for personal care without having served my waiting period for maternity cover? Gillian, Co Galway
A There’s a 52-week waiting period for maternity profit. The excellent news is, as you’ll have been insured for 52 consecutive weeks on the time you give birth, you will likely be covered for the maternity advantages listed in your plan. You don’t should be on the policy for 52 weeks before you conceive.
There are three care path options available for maternity in Ireland – public, semi-private and personal.
Your care is fully funded by the State should you decide to be treated publicly – so long as you might be an peculiar resident of Ireland. You will likely be in a public ward and won’t pay for GP visits, ultrasounds, obstetrician appointments or delivery costs. Public care typically results in a midwife-led birth but when there are any complications there’s access to an obstetrician. The wait times for public care in Ireland are longer than for personal – and you may receive fewer scans. Depending in your medical health insurance plan type, you might get a contribution towards some pre- and postnatal advantages.
Semi-private care means you will notice your consultant or a member of their team at every visit and it often means less waiting time than public care. In case your plan includes the sort of care, your provider will cover the fee of the semi-private room, which is €813 per night. There are not any plans that may fully cover the fee of semi-private maternity consultant fees, and these may be anywhere from €900 to €3,000. You pays these fees, but all other expenses will likely be charged to your medical health insurance provider. Some plans contribute towards these consultant fees and other pre- and post-natal advantages.
Private care means that you can see the identical private consultant while pregnant and can often give increased scans and visits. You choose the obstetrician, and so they are typically present on the birth. Plans will cover the fee of a personal room (which is €1,000 per night) and a few plans may contribute towards consultant fees, that are typically between €2,000 and €5,000 for personal care. Private consultants don’t normally accept patients without medical health insurance.