Hi ctlsleh,
As you are already with Laya Healthcare, you can just change to a different plan with Laya with no penalty and no change of renewal date.
Here are a few suggestions to consider;
Adult Options; No hospital excess, prices in brackets include a 3% charge if you pay by instalments.
1. Healthwise Plus No Excess; Price per adult; 885(911) - public,private + full hi-tech hospital cover, limited outpatients.
2. Company Care Plus; Price per adult; 1059 (1090) - public,private +full hi-tech hospital cover, excellent outpatients cover.
3. Total Health Select; Price per adult; 1204 (1240) - public,fully private +full hi-tech hospital cover, excellent outpatients cover.
www.hia.ie/ci/comparison/step3?47&277&198&322/
Adult Options; with a hospital excess - the main difference between these 4 plans is amount of hospital excess and shortfalls.
1. Total Health Choice; Price per adult; 874(900) - public,private + full hi-tech hospital cover,good outpatients 50% refund.
2. Simply Health Excess; Price per adult; 899(925) - public,private + full hi-tech hospital cover,good outpatients 50% refund.
3. Company Care Excess Price per adult; 972(1001) - public,private + full hi-tech hospital cover,good outpatients 50% refund.
4. Total Health Plus; Price per adult; 1028(1058) - public,private + full hi-tech hospital cover,good outpatients 50% refund.
www.hia.ie/ci/comparison/step3?47&323&279&237&321/
KIDS OPTIONS - prices shown here include 3% charge for paying by instalments.
1. Essential Connect; price (child 1+2) 225 (child 3) 201 - public,private, cardiac hi-tech hospital cover, very limited outpatients.
2. Healthwise Plus No Excess price (child 1+2) 255 (child 3) 236 - public,private + full hi-tech hospital cover,limited outpatients,
3. Simply Health Starter; price (child 1+2) 260 (child 3) 260 - public,some private,cardiac hi-tech hospital cover,good outpatients 50%.
4. Total Health Choice; price (child 1+2) 281 (child 3) 256 - public,private + full hi-tech hospital cover,good outpatients 50% refund.
5. Company Care NO Excess price (child 1+2) 369 (child 3) 306 - public,private + full hi-tech hospital cover,good outpatients 50% refund.
6. Company Care Plus price (child 1+2) 382 (child 3) 362- public,private + full hi-tech hospital cover,excellent outpatients 75% refund.
link for kids plans with No hospital excess;
www.hia.ie/ci/comparison/step3?47&277&59&198/
link for kids plans with hospital excess;
www.hia.ie/ci/comparison/step3?47&282&278&323/
Note; There are no private children's hospitals in Ireland, so public cover for a child is sufficient.
However, if they have hi-tech hospital cover, Mater Private and Blackrock Clinic offer full list of paediatric surgery fully covered.
Also, as I previously mentioned, you can just change to another plan with Laya as you are already a member with them. However, just
something to watch out for, Laya will increase most plans on 1st April 2013, so if you change over before that date you should
avoid the price increases. Make sure to emphasise that you wish avoid the increases, when making the phone call.
There's a good selection of plans to choose from for both adults and children.
The cheaper plans are just as good as the more expensive ones quoted - it all depends on what extras you require
for example, higher outpatients or no hospital excess etc.
Plenty of savings to be made.
Snowyb