The costs of everyday healthcare, such as dental check-ups, a visit to the opticians, or buying prescription medicines, are ever increasing, and can all add up. A Cash Plan is designed to help individuals meet these costs and to manage these costs when health issues arise.
The University is pleased to introduce a new employee benefit to help you budget towards your everyday healthcare costs.
With effect from 1st April 2024, we are working in partnership with Medicare to offer all staff a healthcare cash plan scheme, which is designed to help cover your day-to-day healthcare costs and offers 100% cash back (up to policy limits) for a variety of different medical treatments including:
- dental check-ups, X-Rays, and hygienist fees
- eye tests, spectacles, and contact lenses
- medical prescriptions
- complementary therapies such as physiotherapy and acupuncture
- health screenings
- a stay in hospital by you or your child.
All premiums will be taken via monthly payroll deductions.
Benefits of taking out a Cash Plan
Some of the benefits include:
- help to budget for everyday health care expenses
- low monthly premium – paid via payroll deduction
- choice to cover the whole family for added peace of mind
- choice of the healthcare practitioner that you want to see, plus there is no need for a GP referral
- cover for pre-existing medical conditions
- access to a range of benefits such as medical helplines and 24/7 GP access
- enhanced levels of cover.
Please take a look at the benefits table to find out what's covered under the plan.
As a policy holder, you will also be able to benefit from Medicash Extras – discounts, cashback on shopping, and more.
Anyone aged 16-65 can take out a policy and you can add your partner/spouse to the plan. You can have up to four dependent children up to the age of 16, or 19 if in full-time education covered for some benefits, at no extra cost.
There is no need for a medical and there are no qualifying periods (excluding maternity), allowing you to claim straight away and get immediate benefit.
How to join the scheme
Please fill out our Medicash health care cash plan request form
How to claim
- Visit the website.
- Complete the online claim form.
- Ensure that you have the following information:
- your policy number
- a copy of your receipt
- your practitioner details
- your bank details.
- Claims must be submitted within 26 weeks of the date of treatment or when discharged from hospital.
- Claims will be reimbursed within 48 hours - please note that Medicash will not pay any claims until the first premium has been received.
Frequently Asked Questions (FAQs)
FAQs
If you have any queries regarding the Health Cash Plan, please contact hrhelpdesk@stmarys.ac.uk.