i can afford to have a private consultation but what happens if i cant afford the private treatment

It may get you referred through the NHS that bit quicker. The private consultant is usually some big shot at the local hospital trust anyway.

It's best you see him privately than some wet behind the ears junior registrar in the NHS who doesn't know shit from shinola and will just fob you off for months on end!! - I am speaking from personal experience here!

cheers Tony K

Jeff,

I saw a consultant privately, and was on his NHS operating list 2 days later. They do understand that not everybody has insurance that will pay for all the treatment.

Why don't you look into HSA private health insurance. The cover we have pays for itself just on the dental and optical cover. THe assistance towards private consultation, and hospital cover are just bonuses to us.

hi jenni
i think i will when this is over its never occured to me before as you tend to think 'it will never happen to me' thanks for your advice and thanx to everyone.... get ready for your ears to be really bended after monday (my consultation)

Hi jeffers,

If you are going to take out any insurance, then it's probably berst to do so before any consultation/diagnosis.

hi jenni
i dont think id get it as the consultation is on monday and theyd think id only took it out bwecause of it. i did think about it but i dont think id get away with it..it would look a bit sus if i paid a premium and 2 days later made a claim

Phone them. The HSA only pay half, up to a certain amount. Thety are quite OK with joining when you know you need treatment. I joined because I needed dental treatment. I recently increased it because I needed extra dental treatment, and claimed on the same day as I increased my premiums.

hi jenni
i have been to their site and they do all sorts of plans the one i would have wanted was heart and cancer but ive had heart probs and this is what they say

Conditions that were present before taking out the plan, for a period of 2 years (i.e. Pre-existing conditions)

so not much chance there..... but thanx for making me aware of it