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Thread: work supplied health insurace: how much will my boss know?

  1. #1

    Default work supplied health insurace: how much will my boss know?

    I'm apprehensive about seeing a doctor about recent incontinence related developments because I saw my local gp and she said she'll probably end up recommending urodynamics which sounds scary and awful and super invasive and if I go through my private health insurace for better treatment they'll be billing my employer so will he see the treatments I'm getting and I hear hospitals like to charge a ridiculous premium for any nappies you use so if I had to wear one while I was there would it be on the bill for my boss to see? If so I might just brave the NHS.

    Side question:
    I've heard of NHS supplying inco people with nappies, do private health insurers do this and if you're on a good package do they give you the good stuff and not limit you to 4 a day? i don't think my inco is bad enough to warrant it tbh but it would cut down on my recreational usage costs.

  2. #2

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    Your boss will see NOTHING! Medical information is private and strongly protected.

  3. #3

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    I echo the above. Your boss will see absolutely nothing, I have used private company medical insurance on numerous occasions and they don't have access to medical records.

  4. #4

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    Quote Originally Posted by napy534 View Post
    I've heard of NHS supplying inco people with nappies, do private health insurers do this and if you're on a good package do they give you the good stuff and not limit you to 4 a day? i don't think my inco is bad enough to warrant it tbh but it would cut down on my recreational usage costs.
    i'm not entirely sure how insurance vs. NHS works in this respect, but my own experience, with liability insurers, is of a presumption of a duty of care by the NHS and that absolutely everybody presumes that the government/NHS is the first and primary source of care; and as such 'care' is provided, everybody else will ignore or wash their hands of you, as far as they can, for as long as they can.
    the other side of this [of the UK system] is that NHS specialists also pratice privately, with a lot of work seconded to them by the NHS and often done in NHS facilities, so it's a bit confusing as to what you're actually getting and whether one is better than the other.
    generally speaking, insurers will pay the cost of treatment only for the specifics of a claim of liability. any developments arising from the original issue would be considered not to be part of the original claim. so, on-going care would, i imagine, be left to the NHS.
    and, of course, insurers take so long to pay out that you end up having to take NHS care, anyway.

  5. #5

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    I don't know about the UK but here on the other side of the puddle medical records were private.
    There is some talk about that changing under Obama Care.
    But like the lady said "you'll have to pass it to see what is in it" Now we're seeing.

  6. #6

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    No. That's just wrong. ObamaCare does NOT do anything to make private medical records less private.

  7. #7

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    Same as in Canada, your medical records are completely private, unless needed by a court, other then that, your employer does not see them. As far as coverage, I am only covered for external catheters and bags/tubing, I asked about disposables, and they are not covered unfortunately through what I have, but it is manageable financially, but would be better if they were!

  8. #8
    acorn

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    Your employment contract works along the lines of JIB, which obligates your employer to pay your BUPA insurance coverage, this arrangement does not give your employer any special privileges. You have legal rights and these are much less lightly to be violated if you appear to be on top of the situation.

    The only way I could imagine that an employer could find out anything of your health status, is through the company's own doctor. For that to happen, you would have had to sign a legal consent form (at some time) for your employer, this would allow the company GP to contact your GP with a view to obtaining information of any condition that would impinge upon your ability to work safely. There is a legal obligation on your GP to forward any such information.

    There is also the TMI situation, which is what I believe you are worried about. To circumvent this situation from arising, your best bet is to have a good chat with your own GP about this. This chat with your GP would involve a detailed description of your work duties, with a note of your health issues. The timing of this chat with your GP is critical in that it should take place before any representation from the company is made, as it gives your GP the opportunity to deal with this without time constraints of legal obligations.

    As far as I'm aware neither BUPA or VHI will disclose directly to your employer any health details, much less in....I am unaware of any....itemized billing. Again you have a legal right and can ask your insurer for information on their policies here.

    In your shoes I'd go with the insurance, as opposed to the GP's patient treatment purchase fund (NHS). This is your insurance policy it is only incidental that your employer is paying the premiums, if you were to leave your employer tomorrow - as long as somebody undertook the payments (ie, yourself or new employer) you would continue to be insured.

  9. #9

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    Quote Originally Posted by polarbaby View Post
    No. That's just wrong. ObamaCare does NOT do anything to make private medical records less private.
    Then why do they require computer records of your medical records. No computer is secure and Obama care can't even set up w web site without it crashing.

  10. #10

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    Quote Originally Posted by Ringer View Post
    Then why do they require computer records of your medical records.
    Medical records have been going computerized for more than a decade. The trend started long before the ACA was passed. HIPPA set privacy standards for those records back in 1996. Storing records via computers is cheaper, easier, more accurate and more portable than storing everything on paper.

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