Welcome! Log in or Register
  • Write a review >
    How do you rate the product overall? Rate it out of five by clicking on one of the hearts.
    What are the advantages and disadvantages? Use up to 10 bullet points.
    Write your reviews in your own words. 250 to 500 words
    Number of words:
    Write a concise and readable conclusion. The conclusion is also the title of the review.
    Number of words:
    Write your email adress here Write your email adress

    Your dooyooMiles Miles

    9 Reviews
    Sort by:
    • More +
      18.01.2009 20:20
      Very helpful
      (Rating)
      2 Comments

      Advantages

      Disadvantages

      A good value plan to have if you are going to use all the things they cover

      I found a leaflet in a magazine, advertising this health insurance and giving one month's cover free. I phoned them up to see how much it would work out and signed up straight away. And I was covered straight away too, which I thought was really good, as I had an appointment with a private consultant the following day and I would be covered for that. We pay £39 a month, and that covers me, my husband and my son. HSA covers up to four children, under the age of 18, who live with you, and they are covered free, for the same amount of benefits that apply to the parent/s. There are different levels of cover, and obviously, the more you pay each month, the more money you will get back from the policy. They cover dental,which includes check ups and xrays; optical, which includes sight tests, contact lenses and glasses, and osteopathy, homeopathy, physiotherapy, chiropodyand accupuncture. They also pay when you need to be in hospital overnight. They pay the same for NHS hospital stays as they do for private hospitals. They cover maternity, but there is a 10 month qualifying period. Cover starts from £2.25 a week. I always wait until we've had a few treatments, and then send off the form. You have to send original receipts, so I send them registered post. Its a very easy form to fill in, and they send you another claim form each time you make a claim. They have always settled our claims within a week. I don't really know how this firm make any money! We have had LOADS more money back than what we've paid out! If you regularly use all the things that you are covered for, then you'll be quids in! One of the best things, is that if you need to see a consultant, then you will get to see a private one, usually within a week or two, then they can refer you for treatment on the NHS. So you can cut about 3 or 4 months off the waiting time! Well worth doing!

      Comments

      Login or register to add comments
      • More +
        03.11.2008 11:32
        Very helpful
        (Rating)
        4 Comments

        Advantages

        Disadvantages

        Great way spread the cost out so your not paying out all in one go for health cover

        I joined HSA when i saw an advert in the paper giving away £25 worth of Marks and Spencer vouchers if i signed up. I had been meaning to sign to a health cash plan to save a bit of money, so i was very happy when i saw what good offer HSA were offering. ** How easy was it to sign up** I signed up online, and it was a very easy process. It was quick and simple, and it only took me about 5 minutes. You then get sent an email confirmation and all your documentation is sent out in the post for you. You can join HSA singly, as a couple or a family. If you have children they can go on your account until the age of 18. Once they reach 18 they will be able to get their own health care plan. **Why i use HSA** The HSA offers cash back on everyday health costs. You can select a number of different levels, level 1 £2.25 weekly, level 2 £3.35 weekly, level 3 £4.50 weekly and level 4 £6.75 weekly. The higher the level, the more cash back you get back. I have level 3 cover plan, which costs me £19.50 per month. In return, i get; Dental (£120 max), optical (£120 max), which offer 100% payout. Physiotherapy, Osteopathy, Chiropractic, Acupuncture, Homeopathy, Chiropody - 75% payout. Maternity benefit - £200 per child Consultation and Allergy testing - 75% payout. Hospital Benefit (per night) - £15 per night. 20 nights max European cover - upto 28 days The maternity cover is only payed out once you have gone past the 10 month qualifying period. Once you have you will be paid out the cashback on the birth of the child. If you look at what you get for the amount you pay out for month, its worth the money if you use all the above. I wear glasses, so i buy myself a new pair of glasses each year for around £120 and i get them for free, and because i usually get my glasses from specsavers i can get 2 pairs for the same price. You don't have to get the amount of cover i have, i get this because i find its the best for me with the amount of dental cover you get as well. ** How easy is payout** SUPER QUICK. I was amazed how quickly HSA payout. When i joined i opted for the direct debt payout direct to my bank, however you can chose to have it sent by cheque. You are sent a claim form when you first receive your joining pack, so once you are ready to make your first claim all you need to do is fill out the form and send back. On the envelope it has priority claim, so you know its going to be processed quickly. The form is very easy to fill out, you must make sure you include how much your claiming, and include your receipts. Your payment will not be processed unless they have your receipts. My payment was rececived in my bank account within 2-3 days. You will receive a letter to say how much has been paid and it will also include a new claim form, ready for your next claim. ** Customer Service Team** I had several queries regarding my claim, and everytime i called customer service were all very friendly and always very happy to help with any questions you have. ** Overall ** To make sure you get the best out of your money, make sure you join the right plan for you.

        Comments

        Login or register to add comments
        • More +
          17.11.2005 10:31
          Very helpful
          (Rating)
          4 Comments

          Advantages

          Disadvantages

          get your treatment paid for

          When we first saw an advertisement for HSA we looked at it a couple times and that saying of if it looks too good to be true then it is came to mind. This though, if you choose the right option is the exception to the rule. Anyway we looked this up and decided to go for it. Very simply every week you pay the amount of the option you choose to HSA payable monthly through direct debit and you can claim cash back for certain treatments. You can join singly, as a couple or for a family. Family can go on yours up to the age of 18 when they can get their own healthcare benefits. We pay £17.32 a month for the two of us. First of all that sounded like "another out going direct debit from our bank account" but when we stopped and worked things out we realised that we would be claiming more than we pay! For that amount we can both claim up to £70 a year for dental cover. If you go twice a year to the dentist even to an NHS one you could easily get the bill for that. Next is optical cover. That is up to £70. Here again if you have to wear glasses you will know that you can easily pay that amount. For consultatiohn/allergy testing cover it is up to £150 £50 for physiotherapy/ostepathy/chiropractic/acupunture/homeopathy cover. Other benefits you get is for hospital cover. If you have to stay in hospital over night. Also maternity cover. The moment you start with HSA you are covered and dont have to wait a couple of months before you can claim. The exception to this is maternity cover. You have to have belonged for 10 months but then if you are thinking of starting a family £300 per child would come in very handy. They give you a claim form in your joining pack. The form is very easy to fill in just putting what you are claiming for, how much and enclosing your receipt. Allow 2 working days and the 3rd or 4th the payment will be in your bank. No hassle no messing about. They will then send you a letter saying that such and such has been put into your bank and you receive a new claims form for the next time. When you first join and they have received your first payment they will usually send you a £15 marks and spencers voucher. If you want anymore info on this they can be reached on 0800 107 0386, Choose your options carefully and you do gain and not loose by joining. They do say they are a non profiting group and by our experience I agree and would recommend them.

          Comments

          Login or register to add comments
          • More +
            21.09.2005 18:48

            Advantages

            Disadvantages

            good but can do better

            before i go on can i please just say many people have told me i need to write longer reviews, i have trouble writing what i do, i cant use my hands, and rely on a helmet with a stick on with which i type. so i do try my best to type for as long as i can. ok i had this, and yes they are good. you get money back when you buy glasses, godentist, go into hospital for 48 hours or more, have an accident etc they do pay up quickly. but if you have any mdeical conditions before you apply they dont want to know you. I went with HSF ( hospital saturday fund) they work out cheaper and actually pay out more. they will take you with medical conditions although sometimes say you cant make a claim related to that condition, which is fair enough. HSa, not a bad thing, but others areavailable. it'sgood to have something like this though they have a web site too, applying is easy and there are no medicals

            Comments

            Login or register to add comments
          • More +
            02.12.2002 16:00
            Very helpful
            (Rating)
            13 Comments

            Advantages

            Disadvantages

            Hospital Savings Association, I'm realiably informed that's what HSA stands for. I'll explain the basics first so you can get an idea if it's the kind of thing that you would benefit from, to be honest I don't think there is anyone that wouldn't benefit. I will also touch on a few other plans that have different uses when people become ill or have an accident. Firstly, HSA 'IS NOT' private medical insurance. Private medical insurance is where you pay a monthly or yearly premium to receive private medical care, either by means of consultations or actual treatment. It generally covers most medical procedures and if you opt for NHS treatment then some will pay you a cash sum. People in high profile jobs or those who have their own business benefit most from these as any length of time off work costs money. Elderly people take out these plans but the older you get the more expensive it becomes. Secondly, it IS NOT a critical illness policy. A critical illness policy is where you receive a cash lump sum on diagnosis of a specified critical illness, i.e. potentially life threatening. You do not have to die from this to receive payment like you do with a life assurance policy. The idea behind it is that any special treatment or adaptations required to the home can be achieved through receiving a one off lump sum. Thirdly, it IS NOT an income replacement plan that provides you with some income if you are unable to work through accident or illness. For income replacement you again pay an annual or monthly premium in return for an amount of money to cover loss of earnings. ***** WHAT IS IT THEN ***** HSA is a healthcare cash plan provider that helps with the everyday cost of healthcare. Individuals, families and employees use it and there are different plans available. It is a mutual association that dates back as far as 192 2. It was formed with the aim of saving hospitals from clos ure and helping its contributors cope financially with hospitalisation. As times change so as the needs of the contributors and the benefits that HSA provide. Not long ago dental check ups and eye tests were free. Nowadays many of the basic health care services are chargeable. An eye test is around £15-£20 and a check up and scale and polish can be £10-£15, maybe even more depending on where you live and if you pay private or on the NHS. Many dentists are refusing to take on new NHS patients and therefore people are avoiding even going for dental check ups. Eye tests are so important not just to detect vision problems but also to monitor more serious illnesses. A check up at the dentist can actually save lives. A friend of mine whose father had a dental check up was found to have cancer, mouth and throat cancer are fairly common and can be detected by visiting the dentist. ***** HOW CAN IT BENEFIT YOU ***** I have mentioned optical and dental treatment above, these are just two of the health treatments you can claim money back to help with the cost. It doesn't matter if you choose NHS or private as long as you collect a receipt and complete a claim form you will receive a payment. You can't claim for any treatment you receive free but you will get paid a small amount if you have to receive treatment as a hospital in-patient or casualty admission. You even receive an allowance to have a private consultation if you feel that you cannot wait to see a consultant on the NHS. As more alternative therapies are proving to be of benefit I'm pleased to say that HSA also include treatments such as Physiotherapy, Chiropractic, Osteopathy, Acupuncture, Chiropody, Allergy Testing and Homeopathy on their list of benefits. The amount you can claim towards the cost will depend on the amount that you contribute. It will also depend if you choose and individual, family or a group plan for employ ees. Full details can be obtained from the website: ww w.hsa.co.uk or by telephoning their customer services on 0800 08 54321, the maximum age is 60 for individual plans. I joined through work and this is an excellent idea as the money, both for my husband and myself is taken directly from my salary. It is worthwhile checking with your employer if they run such a plan, as it is very convenient. If not then don't despair. You can go online and fill in an online request information form or write to them at: HSA Hambleden House Andover Hampshire SP10 1LQ I'm sure if you phone them they will send you a form out by post. ***** HOW MUCH CAN I EXPECT TO RECEIVE ***** I will concentrate on the individual plan for now to give you some idea of what you will be expected to pay and what you will get in return. You can choose to pay a weekly premium of £1.10 right up to £8.80. If you choose the £1.10 plan for example you will received benefits of up to £37 per year for dental, £31 per year for optical, £32 for chiropody and £68 for consultation. This list is not exhaustive as physio, chiropractic, osteo treatment etc come under the same group but you can claim up to £115. On £8.80 per week the amounts would increase to: £269 dental, £248 optical, £544 consultation, £256 chiropody and £920 for other combined benefits. You can see there is a big difference and there will be a plan to suit your circumstances and budget. What happens is that if you contribute as an individual you will receive half the amount back you pay for any treatment up to the set limits on your plan. For example on the £1.10 plan if you had a dental bill for £15, you would receive £7.50 back. If you had a dental bill for £74.00 you would receive the £37 back. If you received a dental bill for £200 you would still only receive the maximum of £37. 00 This is per year and goes from the anniversary date that you joined. So me benefits have an initial waiting time of six m onths and some longer when you first join or increase your premium. One of the benefits is a maternity payment so you would expect there to be a wait on this. As with any plan you are not supposed to claim for any existing medical conditions and you may have to divulge your medical history. You don't have to have a medical but they can write to your doctor if they so wish. Once you start to suffer with a condition after the qualifying period they won't exclude you at any point in the future. I have been claiming for Chiropractic treatment for years. If you increase your membership cover you will continue at your existing rate until the qualifying conditions have been met. ***** WHAT IF I HAVE A SPOUSE AND/OR CHILDREN ***** There is an option to take out a family plan up to the age of 70. If only one adult pays the specified premium then it works in exactly the same way as above except that you can also claim for resident children up to the age of 18. If both you and your spouse contribute than you will effectively be able to claim double. The reason for this is that you can both claim half the amount paid for treatment (subject to benefit limits) for each other and for children. i.e the dental treatment referred to above on the £1.10 plan would entitle each contributor to claim for either adult or child up to a maximum £37.00 worth of treatment but as both contributors can claim up to half of the amount paid, in effect you can claim back the full cost of treatment. For example if £74 worth of dental treatment were done on one adult each contributor would receive their maximum amount of £37 as half the cost would be paid for each of them, this would total the full £74 of treatment costs. It is quite difficult to explain and if you have any concerns at all please speak to a customer adviser, they are very helpful. The family plan contributions and benefit payments are slightly different to those for individuals. As you would expec t they are more expensive but not much. They start at £1.80 and go up to £14.40. If you apply through your employer on a business plan it will also be slightly different but they all work basically the same. ***** WHAT HAVE THEY DONE FOR ME ***** Well, as I have a back problem I have Chiropractic treatment which needs to be paid for. Although I have to pay the money up front I always receive the money back from HSA within a couple of weeks. I had my most recent appointment on November 14th and I received the money by November 29th this included posting the claim form, waiting for them to receive it and the money being credited to my account. You can receive the money via two ways, cheque or bank transfer. I opted for bank transfer as it saves the hassle of running up to the bank. If you don't do this initially then one simple phone call or a visit to their website and it's arranged in a matter of seconds. I have received payments of £8 which is now £9 (not much but its there) when I have had in patient treatment at the hospital. It doesn't matter if this is as a day case or overnight stay. If you stay overnight then you receive more money. We were paid when my daughter had problems with verrucas and needed to see a Chiropodist. We have received money back for the eyes tests that we have needed. We have received payments for all my dental treatment that cost me a couple of hundred pounds. I claimed back the maximum I could and so did my husband as he contributes also. I received payments for allergy testing for both my daughter and me, as this is a one off thing it covered the whole amount. This was excellent as although we don't pay anything for each child to be covered they also receive benefits on the family plan. It is hardly any more expensive than the individual plan but children and spouses are covered. I am currently g etting homeopathic treatment for my dau ghter. This was not something I might have otherwise considered due to the cost. As it is £35 for an initial consultation and £20 for follow up appointments. I can be rest assured that HSA will cover that amount. As my stepson has moved in with us I wanted to add him to the plan. I telephoned them and they simply took his Name and date of birth and said that as long as he permanently resided with us there wasn't a problem. It took a matter of minutes and they added him, they will send some documentation through the post for confirmation and it won't cost any extra. ***** HOW DO YOU CLAIM ***** This is really simple, the claim form is just one sheet of paper and for most treatments you just need to tick the relevant box, sign, date and post it with the receipt. If it is for hospital treatment that you don't pay for then they will need to fill in a small portion and stamp the form, all very painless unlike what you're probably in for. You can claim for parental stay in hospital if your child is ill at £10 per night. Each time you make a claim they send you another claim form so you should never run short. If you do you can fill in a request for a claim form online or telephone them. They provide you with addressed envelopes but you do need a stamp. Each person covered on the plan will have a personal code, each benefit you claim for has a benefit code and so it couldn't be simpler. ***** OTHER BENEFITS AND INFO ***** There are many benefits you can claim even nursing home, home help and mental health treatment, There is so much to mention so it's best to check out the website or give them a ring. When you join you will be given a 24-hour helpline dedicated to HSA users. It will offer help and advice on a range of domestic and legal issues. You will pay the cost of the call at national rate but the advice is free. You wil l be provider with 28 days of worl dwide cover. There are so many different options available so if you are unsure then consult a member of staff before making your decision. Please make sure you read all the terms and conditions and exclusions fully, if in doubt ask. The staff members have been very helpful on each occasion I have spoken to them and I have always received my payments within a couple of weeks. I have been told that they are one of the best companies offering this kind of plan and they come recommended by many healthcare professionals. If you opt for treatment with any alternative medical practitioner it is best to check their qualifications and always consult a doctor with any medical condition prior to seeking alternative help. I would recommend them on the basis that you will more than likely have some treatment on an annual basis, even if it is just a check up at the dentist and an eye test. If you develop problems like I have in the future it will be a godsend as waiting times for hospital physio treatment can be lengthy. It is a small amount pay for that extra piece of mind should you be faced with a hefty bill or need treatment sooner rather than later.

            Comments

            Login or register to add comments
              More Comments
            • More +
              01.05.2002 08:04
              Very helpful
              (Rating)
              22 Comments

              Advantages

              Disadvantages

              I have been a member of the Hospital Savings Association since the late 80's, and have a particularly poignant memory of it's use. My late husband was admitted to Fair Havens Hospice for a day in order that he may be given specialised pain relief for his cancer. After treatment by the Director, who was a pain specialist, I was told that it would be better if he stayed. These beautiful surroundings with more nurses than patients and so much loving care had to be better than his eventual removal to the local hospital, much as I would have preferred him to be at home with me. But Malcolm said that he didn't want to stay. I discussed the matter with the staff and returned to his room. It was only after carefully talking to him for a while that he murmured, "It is a charity." I still remember my guilt at not realising that my brave and stoical Yorkshire husband had a great deal of pride. What to do? Thankfully I remembered that I was a member of the HSA and that my small weekly fee covered Malcolm as well. In fact I had received payments every time he went into hospital even for a day. I reminded him that I could claim £18 per day while he was there and there would also be a convalescent payment when he returned home. I promised him that I would donate the cheque to Fair Havens. The relief on his dear face was all I needed, and I went downstairs and made my promise to the staff. In fact Malcolm was not to return home and died three weeks later. My donation was over £360 which was raised to £600 with the help of Malcolm's friends and was given in his name. The HSA was founded in 1922 in order to stop the closure of hospitals and to help people pay for treatment. It is a mutual and all profits are returned for the benefit of it's members. My first payments to the Association were deducted from my wages since the firm we worked for was involved with the scheme, as are many. Nowadays the HS A has greatly expanded it's previously generous range of benefits, which are commensurate with the payments you choose. Being a savings association means that you can automatically claim annually for a variety of treatments ranging from the mundane dental and optical to recognised alternative treatments, nursing homes, home help, care for the elderly and many more including maternity. The range is too large for me to quote here, but I can give you my own annual returns. I pay £13.86 per month (just over £166 per year). If I claim my entitlement just for the dentist and optician I receive £116 back. Add to that a trip to the osteopath which would allow me £186 and you have the picture. The amount would be much greater if my payments were not the second lowest among a choice of 6 ascending amounts. These benefits are also available to a spouse and children under 18 years. All for the single payment. Benefits paid are half the amount of treatment up to a maximum and daily amounts for hospital stays, each depending on your choice of subscription. The claim form is simplicity itself to complete and remuneration received within days. The Health Plan itself is plainly and sensibly listed and can be obtained from the HSA at Hambleden House, Andover, SP10 1LQ. Their website can be raised on www.hsa.co.uk Expensive private medicine plans are not something that I would include in my budget. The HSA is something else again and has my wholehearted recommendation.

              Comments

              Login or register to add comments
                More Comments
              • More +
                01.03.2002 04:06
                Very helpful
                (Rating)
                6 Comments

                Advantages

                Disadvantages

                For many years, since the children were small, we have belonged to the HSA Healthcare plan. Hubby works for the civil service, so our subscriptions are deducted from his wages each week (approximately £3.20 per week each) and we both have separate membership. HSA Healthcare works differently from other healthcare insurance plans like BUPA, in that it pays out an amount for various medical, dental and optical treatments, and then it is up to you to decide whether to use the money to pay for private treatment, or to pocket the cash and be seen on the National Health! Each membership covers yourself, your spouse (or partner) and any children under 18 who are still in full time education. It is a non-profit making organisation, and is run solely on members contributions. WHAT IS COVERED? Up to half the cost of dental treatment can be recovered, depending on the level of contributions paid. The same goes for opticians costs. You pay for the full treatment, get a dated receipt, fill in the forms and ausually a cheque is sent out within a few days. (I will come to the *usually* bit later!) As we are both members, we can both claim half the cost, and in that way the full cost is covered, up to a certain maximum. When the children were covered, we used the facility fairly often, as all four of us wear specs or contact lenses, and all four of us have teeth! In a way, it was a way of saving for necessary treatment. You are also covered if you have to go into hospital or Nursing Home for any reason. This is calculated at a set amount per night's stay (currently £12 per night at the rate we pay) and it makes no difference if you are in a private hospital or NHS, or if you have other private Healthcare insurance. You can still make a claim from the HSA. The amount is doubled if you are both in hospital at the same time due to an accident. If the stay is longer than 10 days, you can also claim for a separate one-off paymen t of around £70. Half the cost of physiotherapy is covered, as is convalescence, and a consultation with an expert. If you have a baby, you can make a claim for each live birth. As you can see, for the cost, it is well worthwhile to belong to the HSA, especially if you have dependent children. The hospital stay claims are reduced for children, but you will still get a substantial payment if they are hospitalised for any length of time. QUALIFYING PERIODS Before you can make any claim, you must have been a contributary member for a minimum of six months, and this is extended to ten months for Maternity payment. After that, you can make any amount of claims up to a yearly maximum for each category. The next year, you can begin all over again, and so it continues. We have always been more than satisfied with the speed and efficiency with which our claims were dealt, and have received our cheques, usually within a week or so of submitting a claim. THINGS CAN GO WRONG Last February, my mother in law was admitted to hospital, and we knew it was unlikely that she would come out again. Claims are dealt with at the end of treatment, and so it was not until she died, mid-June, that my father in law, who had paid into the HSA for many years, submitted a claim form. At the beginning of July, he received a letter saying that they were sorry to hear of his loss etc., and that a cheque for over £1000 was in the post, having been sent under separate cover. By mid-July, he still hadn't received it, so rang up the claims office. They apologised, and said that the hospital had made an error on the claim form, but it had been sorted, and the cheque was in the post. End of July came. No cheque. He made another phone call. This time, it was the fault of the computers, but rest assured, his cheque was now being sent. We went on holiday at this stage, and when we returned, Father in law s till hadn't received his cheque! A further phone call had seen him talking to a rather abrupt young man, who took his number and told him someone would ring him back. Of course, they never did. And still no cheque. Bear in mind, this man had just lost his wife of 53 years, is partially deaf, so talking on the phone is an ordeal anyway, and had been told almost 2 months earlier that a cheque was in the post! He had just spent the best part of 4 months travelling to and from the hospital every day, paying £1 an hour parking, and had paid his subscriptions to the HSA religiously, making very few claims over the years. This is where I saw red! I wrote a strong e-mail to the person whose name he had been given for customer care, and sent a copy of the letter to the Managing director. I pulled no punches, and believe me, when I get mad, I can be very verbose on paper! I told them exactly what I thought of their ineptness, and lack of feeling at this time, and gave them a date by which I expected to see a cheque arriving, or I would be informing the Insurance Ombudsman. I also demanded, at the very least, a letter of explanation and apology. When he saw the letter, my Father In Law was somewhat taken aback at the forcefullness, but by this time I'd sent it anyway, while I was still angry! Surprise surprise, less than a week later I received an E-mail, apologising profusely for any upset caused etc, etc, and promising a letter of apology would be sent to Father in Law, along with the cheque! 2 days later it arrived, together with an extra £50 to cover costs of phoning, and for upset caused. In the end, it turned out alright, but still nagging at the back of my mind is the thought that if this had been a claim for the usual £40 - £50 for treatment, would the delay have happened? Was it because it was for such a large amount? Were they checking that it was a legitimate claim, even though it was filled in and signed by the hospital? If I hadn't written that letter, would he still be waiting for his money? Money, which after all, he had paid into the association for so many years? I suppose we will never know, but until I sent that mail, they seemed quite content to push him around from pillar to post, which to my cynical mind seemed like delaying tactics at the time. AND NOW? We still belong to the HSA. I still think it is a good way of saving for these necessary things, like fillings and spectacles, and we have had no further problems. But if it happened again, I wouldn't wait 2 months to get forceful! And, in fairness to them, they did send a very nice letter of apology, and an extra payment. But at times like the death of a loved one, you don't want all the hassle of having to make repeated calls in order to recoup what, after all, is rightly yours. Sometimes it pays to get nasty, but why should we have to?

                Comments

                Login or register to add comments
                • More +
                  17.10.2001 16:00
                  Very helpful
                  (Rating)
                  6 Comments

                  Advantages

                  Disadvantages

                  What is HSA? HSA is a different concept to health care and is a non-profit making organisation. HSA stands for the Hospital Saving Association. With the raising costs of health care HSA may provide the answer. For one weekly payment the whole family (spouses and children up to the age of eighteen), can obtain financial help for any number of medical treatments, through the HSA SuperPlan. HSA will pay a tax-free sum of money covering both the member and their family if they require allergy testing, an in-patient stay in hospital or just a simple visit to the dentist, or optician, plus eighteen other types of health care matters. HSA is not private health care, nor does it only support NHS treatment, in health care matters it does not discriminate! **History** HSA was established seventy-eight years ago, prior to the inception of the National Health Service, to help its members pay their medical bills. Now a days ?HSA is Britain's Number 1 Family Health Care Cash Plan provider,? with cover costing from as little as £1.80 a week. There are a variety of payments scales depending on how much one can invest. **Payment Scales** Scale 1: £1.80 Scale 2: £3.60 Scale 3: £5.40 Scale 4: £7.20 Scale 5: £10.80 Scale 6: £14.40 So whatever the budget restrictions, there is a scale in HSA SuperPlan that almost everyone can afford. I pay £5.40 per week. This is taken form my bank account every four weeks at £21.60. HSA SuperPlan will pay up to 50% of the medical bill. I find it reasonable as Shane has Osteopathy on a monthly basis and I have Acupuncture also on a monthly basis. I have also claimed for outpatient treatment, in-patient stays dental and optical treatment too. It does not matter whether the treatment is carried out by the NHS or privately, as long as the practitioner or institute is recognised by HSA SuperPlan For example: Both Shane and I can receive up to £3 72.00 towards eye care each annually. This allows Shane to have a new pair of glasses yearly plus prescription sunglasses without to much expenses. (Pay the bill first and then send the receipts to HSA SuperPlan and a cheque for half the final bill will be returned). Claims are always settled quickly,usually within three/four working days are recipt of any health expenses. Membership is open to anyone under the age of seventy years old. Another plus is that HSA SuperPlan payments do not increase with age. The member chooses how much they pay from the payment scale (above). No medical is required and pre-existing conditions do not prevent joining HSA, but full details are requested for consideration. **Qualifying Period** For all claims there is a standard six-month qualifying period. Maternity payments are made after a ten-month qualifying period. Cover is however extended immediately, for accident casualty admission. There is now also a twelve month money back offer. Details are included when joining HSA. **Further Information** Address: HSA Hambleden House Andover Hants SP10 1SG Telephone Number: 0800 08 54321 Website: www.hashealthcare.org

                  Comments

                  Login or register to add comments
                  • More +
                    18.10.2000 05:27
                    Very helpful
                    (Rating)
                    6 Comments

                    Advantages

                    Disadvantages

                    H.S.A. is unlike most health insurance schemes as it pays up even with N.H.S. treatment. I've been using it for about 13 years now and never had a problem claiming money. My husband and I each pay £3.20 per week. If either of us has any dental work we can claim half and the spouse can claim the other half. For example if my bill comes to £100 I can claim £50 and he can claim £50 also. You can claim on about 25 different items including dental, optical, Day Care Admissions, Maternity, Chiropratic, Home Help, Mental Health, Hearing Aid, Hospital parental stay, Allergy testing etc etc. The Maternity benefit really helped meout. With both of us paying this amount meant I could claim £400 for each child born. If you paid £12.80 each a week you would be able to claim £1600 for your offspring. The claim form is easy to fill out and the money is sent to you by way of a cheque You are free to spend this money as you wish. My subscription easily covers my years dental work, and contact lenses. On top of that they will pay to £136 per year for any private consultations I may need of perhaps I would like to see the Chiropodist (£96 per year) If I need to stay in hospital I can claim and extra £140 per week. Even if my child stays in hospital (private or NHS) I can claim £35 per week, and an extra £140 per week if I need to stay with him while he's there. Or what about accupunture (another £208 p.a.) on top of that. It covers so many everyday needs and each need has a maximum per year benefit, depending on how much you pay each week. You can get treatment when you need it, rather than only when you can afford it. Every year I get back more that I pay in. I wouldn't be without it. I can see the dentist without worrying? Well about the bill that is. No medical is needed. Highly recommended

                    Comments

                    Login or register to add comments