Hi babydays,
Regardless of when your renewal date is, the good news is, because you are already with Laya Healthcare, you can
change to a different plan straight away, no problem. You can phone and switch plans as soon as you make up your
mind which new plan to choose.
Here are a few suggestions to consider, for the adults, as follows:
Option 1: Total Health Choice Price per adult; 874pa (this plan has identical hospital and outpatient cover as Health Manager,
if you want a private room in a private hospital, shortfall of 175 per night applies)
www.hia.ie/ci/comparison/step3?52&323/
Option 2: Company Care Plus Price per adult; 1059pa (this plan also has similar hospital, but higher outpatient cover as Health Manager,
if you want a private room in a private hospital, shortfall of 50 per night applies)
www.hia.ie/ci/comparison/step3?52&198/
Option 3: Total Health Select Price per adult 1204pa ( this plan is the same as Health Manager - re hospital cover - it fully covers a
private room in a private hospital, at half the price. It also includes higher level
outpatient cover).
www.hia.ie/ci/comparison/step3?52&322/
Note option 1 is more than adequate, both for hospital and outpatient cover.
I included options 2 + 3, just to show the full range available, with the extras included, and the difference in price to your current plan.
Here are a few suggestions to consider, for the children as follows, starting with the cheapest:
Option 1: Health Smart Plan Price per child 130pa ( good hospital cover, limited outpatients) NOTE: THIS PRICE PROMOTION ENDED 28 FEB 2013
www.hia.ie/ci/comparison/step3?52&294/
Option 2: Health Smart Family Price per child 200pa ( good hospital and good outpatient cover) NOTE: THIS PRICE PROMOTION ENDED 28 FEB 2013
www.hia.ie/ci/comparison/step3?52&295/
Option 3: Total Health Choice Price per child 273pa ( good hospital and good outpatient cover,
lower shortfall amount in Mater Private and Blackrock Clinic for kids surgery)
www.hia.ie/ci/comparison/step3?52&323/
As the above suggestions show, there are huge savings to be made.
Some of these savings could be kept for orthodontal treatment(kids) and root canal( husband) when it arises in the future.
These dental expenses are not covered under health insurance, but can be claimed on a Med 2 form for a tax refund with Revenue.
All other routine dental expenses, ie fillings, extractions,cleaning etc are covered on your health insurance, with your outpatient claim.
As I mentioned already, you can change plans straightaway, phone Laya 1890 700 890 as soon as possible.
If you need anymore advice, or further explanations regarding the options listed above, you can pm me anytime.
Snowyb