Home to some of Britain’s grandest houses, Cheshire is laden with so many historical monuments and magnificent city walls
The city is also famous for the production of silk, cheese and salt.
Do you know that a lot of wealthy premier league players, entertainment industry figures and business people live in Cheshire? The city is one of the most expensive places to live in the world.
As a resident of Cheshire, it’s prudent and wise for you to have health coverage. It protects you in the event of any health crises.
In Cheshire, you can get health coverage from several sources. You can get it from your employer, as many employers in Cheshire offer coverage to their employees as part of their benefit.
Other ways are through the Public health service and private health insurance.
Public Health Service In Cheshire
The public health service is the most common and most affordable source that provides healthcare services for residents in Cheshire.
In Cheshire, as well as in other parts of the UK, primary health services are offered by the NHS.
The NHS(National Health Service), launched in July 1948 is a service run by the Department of Health that provides free healthcare for residents in the UK.
Its key principle is for residents to access healthcare services on the basis of need, not on an individual’s ability to pay.
The NHS is the first health system that is publicly funded and not based on insurance and it is ranked as the best, safest and most affordable.
The services provided by the NHS reduces medical costs to the minimum however and every resident in Cheshire are entitled to free care.
However, the NHS has long waiting lists and it is unlikely to get same day appointments. This is one of the major reasons why some residents opt for private health policies.
What Does Public Healthcare Service Cover?
Residents in Cheshire are entitled to free health care services. The NHS has a wide coverage. The services it provides includes;
- Maternity services
- Treatment for minor injuries at clinics
- Accident and emergency( A & E) treatment
- Treatment with a specialist when referred by a General Practitioner or qualified health professional
- Sexual health services and contraception
What The Public Healthcare Does Not cover
Certain treatments are not covered by the NHS and require payment. Residents in Cheshire are required to pay for;
- Optical care treatment
- Dental treatment
- Prescription drugs
- Wigs and fabric support
- Medical conditions which existed previously before you arrived in the UK
Prescriptions have fixed prices in the UK, regardless of the type of medication and quantity you need for treatment.
The current prescription charge is 9 GBP which is 11.50 USD. There are several chemists available in the city where you can buy your medications. Pharmacies are called chemists in the UK.
Although patients are entitled to free hospital treatment, if it’s not urgent or an emergency, your GP (General Practitioner) or qualified health professional must refer you.
As a registered patient to a GP in Cheshire, you would be able to book appointments for free.
You can book your appointments in three different ways;
- Via phone
- Physically ( scheduling an appointment in person at reception)
Other Public Health Services
A GP is a doctor who treats common medical conditions and refers patients to hospitals and other medical services for specialist treatment.
Your GP is usually the main point of call of health issues. You do not always have to visit the doctor for minor ailments or health distresses.
Certain health services are available that could be of great help and that do not require you to book an appointment to gain access.
- Pharmacists are trained medical professionals, qualified to give advice on minor health issues that do not necessarily require a prescription (e.g. sore throats, stomach aches and minor burns).
- You can call NHS 111 when you have a pressing medical condition that is not life threatening. You will be able to speak to a trained personnel that would give you instructions on what to do next.
- Sexual health services and contraception are free and available to everyone in Cheshire. You can visit any of the sexual health centres to get tested for STIs(sexually transmitted infections) and/or for contraception advice.
Private Health Insurance In Cheshire
Private health insurance is rather expensive but provides better healthcare services than public healthcare service. With private insurance, you get access to better health facilities, zero waiting times and you get more control over your medical treatments.
If it’s within your capacity, you can buy a private health insurance policy if you weren’t offered coverage by your employer or you require better services than that offered by the NHS.
Many residents in Cheshire often make use of the public health care service, but if you choose to get treated privately without having private insurance, you should know that it can be really expensive, especially for severe health conditions.
Residents in Cheshire usually only have private health insurance for one of the reasons below:
- They want to avoid long waiting times
- Their company provides it as part of an employment benefit package;
- They want to have more control over the medical treatments they receive.
Private healthcare insurance has some great benefits. They include;
- No waiting lists
- Quick access to diagnosis and treatment
- Private health insurance takes the pressure that comes with the NHS while offering you peace of mind
- Ability to choose the consultant you want
- It gives you the ability to choose the hospital convenient for you
Factors That Affect Premiums On Private Health Insurance
Private health insurance providers consider certain factors when determining how much you pay as premium for your health insurance. These factors include;
- Current or pre existing health condition
- Chosen benefits
- Lifestyle behaviours e.g smoking, alcohol consumption
Average Cost Of Health Insurance
A lot of private health policies do not include maternity services, mental health, emergency care and general practice. Healthcare providers base their premium costs on the claims made by certain groups of people which is usually influenced by their age and place of residency.
The premium price for health insurance is 1,450 GBP per year on average, which is about 1,900 USD. However, your actual premium cost depends on factors mentioned earlier.
Types Of Health Insurance Plans
There are basically two types of health insurance plans:
Moratorium does not include pre-existing medical conditions that you have suffered from in the past five years.
- Full Medical Underwriting(FMU)
The FMU also excludes medical conditions you have suffered from in the last five years. However, your insurer may start covering you for that condition after 2 years on the policy.
Private Health Insurance Costs
Below are some estimates, averages and ranges of the costs of private treatments;
- Consultations: Around 200 GBP (250 USD)
- Surgical procedures: within the range of GBP 1,000 (1,300 USD) to 10,000 (13,000 USD)
Private Health Insurance Providers
Major health insurance providers widely used in the Cheshire are;
- Allianz Care
- BUPA Global
- Cigna Global
There are some comparison sites online that can help you make informed decisions.