Finding health costs a bit of a squeeze?

Transcription

1 Finding health costs a bit of a squeeze?

2 Get HSF health plan the Low Cost Alternative HSF health plan has provided a health cash plan for both individuals and families in Ireland for over 60 years. Dental check-ups and treatment, sight tests, glasses, contact lenses, the cost of your family s day to day health can add up to a large annual bill! Getting Cash Back with HSF health plan will be a great benefit to your household budget as well as your family s health. You can choose from The Family scheme that covers you, your spouse/partner and any dependant children (up to age 21) or The ONE scheme especially designed for individuals One Simple plan can offer you and your family benefits including: Dental (including cosmetic dentistry) Optical (including glasses, contact lenses and eye laser treatment) GP & Prescriptions GP Advice Line Stress Counselling, Medical Information & Legal Helplines Birth and Adoption Grants Payments if off work from injury (up to 52 weeks after 30 days) Practitioners (including chiropody & physiotherapy) Specialist & Investigation (including Hepatitis and other vaccinations) Hospital overnight and day case benefit Partner and children* covered at no extra cost Contributions are not age or claim related For more information on all the schemes available, please see the benefits tables in this leaflet or to discuss the plans in more detail either contact your local area representative shown on the map or call HSF health plan on Lo-Call

3 Company & Group Benefit summary a week a week a week a week a week a week a week A a week B a week C a week Dental and Optical Practitioner: Physiotherapy, Osteopathy, Chiropractic, Acupuncture, Homoeopathy, Chiropody/Podiatry Birth Grant / Adoption Grant (per child) General Practitioner and Emergency Department Prescription Amount paid per script However our GP Advice line is included on these schemes Specialist and Investigations Including Allergy Testing and Health Screening Hospital: General and Hospice, Accident, Elderly and Mental Illness (Amounts per night) Recuperation Grant after 7 nights Primary Schemes Recuperation Grant after 15 nights Extra Cover Schemes Day Case Surgery and Treatment (Amounts per day) Surgical Appliances and Hearing Aids Personal Accident Permanent Disability up to Accidental Death Temporary Disability Fracture: Leg Fracture: Arm Fracture: Maximum per accident 5,000 2,500 10,000 5,000 13,000 6, per week ,000 7, per week ,500 8, per week ,000 10, per week ,000 12, per week ,000 15, per week ,000 20, per week ,020 50,000 25, per week ,150 Helplines - Available on all schemes GP Advice Line, Stress Counselling Helpline, Medical Information Helpline and Legal Helpline.

4 ONE Scheme Benefit summary Scheme 3 3 a week Scheme 6 6 a week Scheme 9 9 a week Scheme a week Dental and Optical General Practitioner, Prescription and Emergency Department - maximum of 12 grants per 12 months Practitioner: Physiotherapy, Osteopathy, Chiropractic, Acupuncture, Homoeopathy, Chiropody/Podiatry Specialist and Investigations Including Allergy Testing and Health Screening Birth Grant / Adoption Grant (per child) Day Case Surgery and Treatment (Amounts per day) Hospital: General and Hospice, Accident, Elderly and Mental Illness (Amounts per night) Recuperation Grant after a minimum of 10 nights Personal Accident Permanent Disability up to 10,000 15,000 22,500 30,000 Facial Disfigurement 500 1,100 1,400 Accidental Death 5,000 7,500 11,250 15,000 Temporary Disability Fracture: Leg Fracture: Arm Fracture: Maximum per accident 35 per week per week per week Helplines - Available on all schemes GP Advice Line, Stress Counselling Helpline, Medical Information Helpline, and Legal Helpline.

5 My HSF health plan Former international long-jump champion, Shauna Carlin shares her secret on how to juggle a full-time job, part-time coaching and training for the next world championships with keeping her family healthy. Busy doesn t begin to describe the life of former international long-jump champion Shauna Carlin. The Donegal based mother-of-four, who last represented Ireland at European level in 2004, holds down a full-time job as a planning official with Donegal County Council, runs the family home, and still manages to fit in athletics coaching at her local club on top of training the Red Hughes Ladies Football Club from Crossroads, Killygordon. Based outside the town of Lifford, Shauna also has to manage all of this single-handed - her husband works away from home, usually returning only at the weekends. And it s not just the routine challenges of holding down a job and caring for four children, Shauna s three-year-old son Liam has Scoliosis and needs regular physiotherapy as well as check ups with his Dublin-based consultant. But somehow the 34-year-old, whose children range in age from three to 13, makes it all work - even with Liam s need for regular physiotherapy and the occasional trips to the other side of the country to meet with his consultant. Life is made easier by the fact that she is a contributor to HSF Health Plan, the leading provider of health cash plans in Ireland and known by many as the Hospital Saturday Fund. Shauna joined HSF about 10 years ago as a mother-of-two with no medical insurance. A sales rep for HSF came in and spoke to us, and I decided to sign on, she recalls. In hindsight it was an excellent decision because, for just 30 a month, she is eligible for a range of benefits: She can claim back 19 for every visit to the doctor for herself, her children and her husband, up to a ceiling of 10 visits in any twelve month period. The cover for specialist investigations had proved invaluable - when she has to bring three-year-old Liam to his consultant in Dublin, HSF allows her a 75 clawback from the 150 cost of the visit. She s also been able to claim two birth grants at 500 and can claim for Liam s physiotherapy which he must get on a weekly basis until he stops growing. I find the 30 a month cost very reasonable. I m very happy with what I have and never had any problem with any of my claims. You put in your claim and you get a cheque within a week. It s extremely efficient. I find it excellent. The staff are also very helpful when you ring with a query, she says. There s a scheme there for everyone, no matter how high or low your income may be. Because Liam suffers from Scoliosis, he needs physiotherapy once a week, and will continue to do so until he stops growing - HSF covers that. When I bring Liam to see his consultant in Dublin, it costs but HSF gives me 75 of that back. What s more if I or my partner or any of my children were to go into hospital overnight we would get 84 towards the cost of the overnight stay. There are also excellent dental and optical benefits: We can claim back 360 a year toward dental or optical costs. I m very happy with HSF, I find it very, very good.

6 Local Service, National presence As you can see HSF health plan has a presence around the country. Whatever your location there is a dedicated HSF Area Representative local to you. National Sales Manager Roy Smith Donegal & Northern Ireland David Mace North West Nicola Sheerin Midlands & West John Murphy Dublin & East Patricia Kearns South Kay Madden HSF health plan 5 Westgate Business Park, Kilrush Road, Ennis, Co Clare Lo Call: Tel: