Author Topic: How does the NHS work for US citizens?  (Read 967 times)

Sibley

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How does the NHS work for US citizens?
« on: May 30, 2023, 02:03:27 AM »
I haven't been on for a few weeks because I'm on a family vacation. UK. Going well until everyone but me got sick with colds. Mom's cold progressed into secondary infection and as of 4am this morning, she's been admitted to the Royal Infirmary of Edinburgh with a chest infection. She's on iv antibiotics and oxygen. She'll be fine. We'll find out the logistical damage last minute, as we're supposed to fly home on Thursday and we don't know if she'll be able to yet.

So, frankly, I don't have time to research this and I need someone to just tell me please. How does the NHS work as regards to US citizens and what we have to pay for?

bownyboy

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Re: How does the NHS work for US citizens?
« Reply #1 on: May 30, 2023, 04:25:51 AM »
Generally if you are admitted via A&E (Accident and Emergency) you don't have to pay.


Sibley

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Re: How does the NHS work for US citizens?
« Reply #2 on: May 30, 2023, 04:38:27 AM »
Thanks. Yes, admitted through A&E. Dad was worried. Medicare will reimburse, but he'll feel better knowing charges will likely be minimal.

Adventine

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Re: How does the NHS work for US citizens?
« Reply #3 on: May 30, 2023, 04:57:25 AM »
Did you guys book your flights/hotel with credit cards? Some cards offer free travel insurance which might help with the costs of changing your travel plans at the last minute.

former player

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Re: How does the NHS work for US citizens?
« Reply #4 on: May 30, 2023, 06:03:01 AM »
https://www.nhsinform.scot/care-support-and-rights/health-rights/access/healthcare-for-overseas-visitors#tourists-and-holidaymakers

https://www.nhsinform.scot/media/7761/4_holidaymakers-from-overseas-v3_low-version-6-jan-2023.pdf

Emergency treatment in A&E is free but if your Mom has been admitted to a hospital ward then charges may start from the moment she is admitted to that ward.

The hospital does have a discretion not to charge, and some don't charge for some things as a matter of policy.

reeshau

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Re: How does the NHS work for US citizens?
« Reply #5 on: May 30, 2023, 06:51:40 AM »
Emergency treatment in A&E is free but if your Mom has been admitted to a hospital ward then charges may start from the moment she is admitted to that ward.

The hospital does have a discretion not to charge, and some don't charge for some things as a matter of policy.
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This was our experience, with a broken ankle in Northern Ireland.  They took credit card information "just in case," but we didn't need any follow up while there, so everything, including crutches, was free.

Turns out that we could have had an "orange card" as we were living in Ireland at the time, but for all the relocation briefings, it never came up.  That is only for EU residents, though.

Sorry this has happened, Sibley.  I do question whether Medicare will reimburse you:

https://www.medicare.gov/Pubs/pdf/11037-Medicare-Coverage-Outside-United-States.pdf

https://www.humana.com/medicare/medicare-resources/medicare-and-traveling-abroad

« Last Edit: May 30, 2023, 11:14:12 AM by reeshau »

GilesMM

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Re: How does the NHS work for US citizens?
« Reply #6 on: May 30, 2023, 07:33:26 AM »
Did you happen to purchase insurance coverage for medivac home? That can be the huge expense ($50-100k), if it is required.

jim555

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Re: How does the NHS work for US citizens?
« Reply #7 on: May 30, 2023, 06:14:38 PM »
Visitors get A&E only.  In order to get full free NHS you would need to be "ordinarily resident".  Persons under visas would pay an NHS surcharge with visa fees.  Even British citizens just visiting wouldn't get covered since they wouldn't be "ordinarily resident".

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/1132039/2023.01.06_-Implementing_the_overseas_visitor_charging_regulations_-_January_update.pdf
« Last Edit: May 30, 2023, 06:18:38 PM by jim555 »

Sibley

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Re: How does the NHS work for US citizens?
« Reply #8 on: May 31, 2023, 01:23:49 AM »
First, mom is responding well to treatment. They believe she has bacterial pneumonia, is on 2 types of antibiotics and receiving supplemental oxygen. They've been successfully slowly weaning her off the oxygen, but as of last night she still needed some. We've had to change flights, hotels, etc. It's expensive of course, my sister is using what travel insurance she has but it is what it is.

Dad and I are going home as planned on Thursday. Someone has to go home - the pet sitter can't extend. And dad is sick and needs to go home to recover, so we are employing a polite fiction that we could only move 2 seats. My sister is staying and will come home with mom on Sunday. We hope that's enough time for mom to get the point where she can tolerate the lower oxygen on the plane.

Whatever charges there are, we can pay them. We checked prior to the trip and their medicare will cover 80%, so we'll have to jump through all the hoops for Medicare reimbursement.

I've also called in help from my friends. In particular, one of my friends is going to make 2 big batches of soup this weekend so that parents have good food readily available.

former player

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Re: How does the NHS work for US citizens?
« Reply #9 on: May 31, 2023, 01:36:40 AM »
I'm glad to hear your Mom is getting better and that you've found a workable way forward for you all.

If the NHS does charge your Mom it will still be nothing like the level of charges payable in the USA.

Sibley

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Re: How does the NHS work for US citizens?
« Reply #10 on: June 02, 2023, 12:51:38 PM »
Well, we have the end of the first part of the saga. Mom has been released from the hospital, plan is for her and my sister to fly home Sunday. She was charged 1150 pounds. We were told that this was a flat rate and once they do their internal whatever, we may get some money refunded. Once that process is complete, we'll submit to Medicare for reimbursement.

Mom's doing well, still recovering of course but that's to be expected. She has a doctor appointment at home later this week. I am now getting sick, likely with what the rest of the family had.

Edit: rereading, and there was a question about the medicare reimbursement. I have no idea if it was Medicare or the medigap plan, my sister handles that side of things, but something will reimburse 80%.
« Last Edit: June 02, 2023, 12:57:26 PM by Sibley »