Private medical insurance???

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Hi,

I've been suffering from Crohn's disease for a while now. I have noticed that the nhs do not support me sufficiently enough. I am just sick and tired of waiting for answers. I've tried everything.

Anyway my question is, even though I've been diagnosed with Crohn's a few years back can I get private insurance to see a private consultant. Will it cover the consultation cost? Has anyone tried it? Or does anyone know a good private insurance company that will cover a pre existing diagnosis?

Thank you I would appreciate your thoughts

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10 Replies

  • Posted

    Hi Micky,

    I don't know for sure but I'd be very suprised if a private insurance company would cover you for a pre existing condidtion and evan if they did I imagine the premiums would be eye watering!

    To give some idea of the likely cost of going private, I did pay for a 45 minute private consultation followed by a CT scan about six months ago and that set me back just short of £1000 and the irony was that when, a month or so later, I did get my NHS appointment it turned out to be with the exactly same guy!

    You don't say if you've seen a consultant yet or are waiting for an appointment. Mty advice would be to keep on pestering people (your GP, the hospital, whoever). I'm afraid the situation seems to be that those who sit back and wait patiently wait forever! Something else that might be worth looking at is the NHS 18 week 'pathway' - you'll find information about it on the internet.

    Good Luck!!

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    • Posted

      Hi thank you for your reply.

      Yeah I understand that it's a lot of money for a short consultation. But I guess it's gotten to the situation where I'm just sick of waiting and I just want quick answers.

      I've been diagnosed for 7 years so far. In which I've had 3 surgeries. My personal opinion is that they were not successful in coping with my symptoms. Post surgically since the recent surgery I wasn't feeling any different from when I was before surgery. I would keep telling my ibd nurse and consultant. However they just kept saying that it's too early for crohns to be back. I had to contact my surgeon. (He is the one who did the further investigation) and he made arrangements for a colonoscopy. In the colonoscopy they found scattered crohns ulcers. (Indication of crohns). He then forwarded that to my consultant. I did not receive a appointment from then onwards to see my consultant.

      I've been bugging them left right and centre. When I go to see my ibd nurse she tells me the symptoms are probably related to an infection. (Crohns clearly stated on colonoscopy) she also just seems fed up. I've recently had a MRI in a & e and on that was shown a large stricture. Which I've had previously. I've been given a appointment in 3months. Shouldn't this be dealt with sooner. I should also be given medication that will settle the crohns down. I've been having a flare since I was diagnosed.

      Well anyway sorry for my shortened formed essay, and thank you again for your reply. Good luck to you too

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    • Posted

      That's a great Idea. I'm defiantly gonna look into more depth tonight and then write a letter of complaint to the head gastroenterologist. I hope they take it under consideration and do something sooner rather than later.

      Thank you so much I really appreciate it.

      Hope all is well with you and good luck!!

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  • Posted

    Hi Micky,

    Sorry to hear about what sounds like a nightmare! I too have recently had my third bout of surgery for Crohns and I had to pester quite hard to get anywhere.

    Like you I got so frustrated I looked at the private option but as I say having spent around £1000 for one consultation and a scan I dreaded to think what the cost of surgery might be and so was forced back down the NHS route.

    One thing I did find out was this 18 week 'maximum waiting time' that is supposed to exist. Try Googling 'NHS waiting times 18 weeks' and look for the site 'Guide to NHS Waiting Times - Patient Choice' (I tried to cut and paste the link but it didn't work! You might be suprised to see that, quote, 'You have the legal right to start your non-emergency NHS consultant-led treatment within a maximum of 18 weeks from referral'. I quoted this to the hospital on one occasion and was told 'It's only a target' but I pointed out that the NHS website describes it as a 'legal right' which is clearly not the same thing. I did eventually contact my CCG (Care Commisoning Group) and asked their advice on making a formal complaint as my hospital was in clear breach of the 18 week threshold. They offered to investigate the situation and lo and behold everything suddenly started to move quite quickly.

    Sorry for my equally essay like reply.

    Hope things work out for you.

     

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  • Posted

    Hi mickey

    I have had Crohns for 20 years private insurance won't cover you and is v expensive take a different angle does your health authority have a Ibs/ Crohns nurse ? If so they are very knowledgable and will emperthise with you keep ringing your specialists secatary they do have cancelations also if you have an out of hours service ring them the Dr you see has the power to admit you into hospital not everyone knows that lastly if all else fails ring an ambulance I know we keep keep being told to only ring for strokes heart artacks etc but people do ring because of people like you that are sick and tired of waiting take my word for it I've been there and done most of the above private medical insurance isn't the answer mate Jon

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    • Posted

      Thanks Jon

      Yeah I have a ibd nurse. I don't think she's really doing much anymore. I feel like she gets frustrated a lot cause of the extent of my disease. I'm not sure if it's just me but my family members and partner have also noticed it too.

      I've bugged my consultant and ibd nurse many many many times. They just keep associating my symptoms as a stomach infection or just physiological. However my colonoscopy and MRI show significant active crohns post surgical. I've had 3 surgeries. None of them seem to have given me an relief of symptoms. Nothing is being done. I was told I have a large stricture. Nothing is being done about that. Last time this happened it. Resulted in surgey but this time I've been given a appointment in 3 weeks. I think that is left far too long. And I was told my my gp doctor that the stricture looks significantly worse than the previous one.

      I think il probably try doing the whole ambulance thing soon. I was planning on doing that last night cause I was in excruciating pain but I just thought they probably won't be able to do much.

      Thanks anyway il make sure that il take a ambulance in the next week if nothing is sorted out. (Sorry for long essay)

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  • Posted

    I was on mezalazine for nearly 20 years I was getting painful flare ups to cut a long story short I had a colonoscopy which showed I have a 12 inch stricture I was put on azaphipine but I had very sore feet and terrible fatigue so I was stopped for mercaptopurine X1 tablet and was a lot better but some pain returned so the dose was upped to 2 tablets but the side effects I had with the azaphipine retuned I've recently stopped taking all the meds for a week and started taking one again and it's a lot better what meds are you on have you ever taken azaphipine ? If so how did you find it ? I'm having blood tests every 2 weeks Jon 
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    • Posted

      I've had mezalazine, azathioprin, steroids, feeds, infliximab, probiotics, Budesonide and antibiotics.

      None gave me much of an effect.

      The azathioprine worked initially for 3 years according to my blood tests. I didn't have any side effects and I was physically doing well but still had my symptoms. However once a repeat colonoscopy was done the disease segment had a stricture which led to surgery.

      Good luck

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  • Posted

    Hi Micky

    I fully understand your aggravation and I wish I could tell you that things will get better. Sadly they won't, you will find you have to fight for everything. Have you tried to contact your local NACC group? They will be able to give you a great deal of information about what you can do, including Private Insurance and who to go to for it. Although I was diagnosed with Crohn's when I was 21, I did have employment some years later who offered  Private Medical Insurance as an incentive, and under this scheme I was able to have my Colostomy done, which cost somewhere in the region of £10,000, some 25 years ago. Unfortunately, I feel that if you join Medical Insurance now, you have to admit to your particular problems and it may well be that you are unable to claim for this condition for 2 years, in some cases they will not cover it at all. So I think it is perhaps better to find information about other Hospitals which you can go to, and who will give you the care and attention that is needed. In the main, it should be available to you on the nhs. I totally understand your wish to be dealt with properly, but I feel you are possibly in an area where they don't consider Crohn's to be that serious, and are spending money on different complaints. Sorry not to be more helpful, but do try NACC. One of my friend's is the Chair of the local Group and her daughter is seeing different specialists in different hospitals for complications she has suffered from her Crohn's. So once again, it boils down to who you know to help you.  Sorry not to be able to help you more.  Bestd wishes  Sheila    

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    • Posted

      Thank you Sheila.

      Yeah I've heard of them but never really thought to contact them. It's a good idea. Il probably do that some time soon. Your right about them not caring so much for crohns but other disorders I've noticed that but never taken it under consideration.

      Yeah I never really fully understood how much it would cost and so on but now having done some research I've learnt more. I've also been told by many.

      Thank you again

      Good luck to you

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