Finance information

It's never been easier to access the high quality of care and treatment available at The McIndoe Centre. There are two main ways for patients to access private treatment at The McIndoe Centre.

1) Paying for your own treatment

If you don’t have insurance or are not covered for a particular treatment, you can choose to pay for the treatment you need when you need it. Growing numbers of people are opting to pay for their own treatment because it is fast, affordable and convenient. From a consultation, minor or complex surgery, each can be paid for directly by you.

If you choose to pay for your own treatment our hospital package price provides an easy route to affordable fixed price surgery. Our prices will include the cost of the surgeon to perform your surgery, the anaesthetic fee and the hospital charges associated with your procedure(s). Only when you have had a consultation can your consultant surgeon truly understand what you would like to achieve and discuss with you how this can be achieved.

If you need surgery our hospital package price will offer you the peace of mind of knowing, in advance, exactly how much your treatment will cost. After seeing your consultant and having had your personal needs identified, you will be given an inclusive, fixed price quotation. This will detail exactly what is, and isn't, included in the price.

Terms and conditions

Inclusions

During your hospital stay:

Hospital accommodation and meals
Nursing care and facilities
Theatre fees, drugs and dressings
High dependency Unit and/or Intensive Care Unit if required
Prosthesis if approved and authorised before admission
Pathology

After your discharge:

Take home drugs for up to five days after discharge and antibiotics for the prescribed period
Removal of stitches, dressings or plaster if required when treatment is carried out at The McIndoe Centre

Exclusions

Diagnostic tests or services received prior to your admission
Convalescence and treatment provided after your consultant has advised that you are fit for discharge
Personal costs such as telephone, alcoholic drinks, newspapers and visitor meals
Medication prescribed after you have been discharged from hospital subject to condition vii
Ambulance fees
Pre-operative consultations
Any cost not specified as included

Admission

The hospital reserves the right to refuse the admission of a patient for any reason.

We aim to offer all patients their first choice of admission date, however, we reserve the right to determine the date of admission of the patient and, if necessary change the date of admission. Prior notice will be given, whenever possible, should the admission date need to be changed.

Costs incurred that are not included in the package price will be charged at the hospital's standard rates.

Discharge

The decision as to whether you are fit for discharge rests with your consultant. Should you wish to stay in hospital (subject to availability) after you have been declared fit for discharge, the hospital's standard charges will apply and will be invoiced separately.

If you discharge yourself against the advice of your consultant no further services will be provided as part of the package.

No refund will be given if you leave the hospital earlier than expected.

Complications

Re-admission for a complication as a direct result of the surgery will also be available within 28 days of discharge.

Re-admission is subject to:

a) Such conditions or complications being treated at the hospital

b) That you have followed the advice of your consultant and other medical professionals involved in your treatment.

The decision as to whether a condition or complication is related to the procedure rests with your consultant.

i. Any related medical condition that arises during your stay will be managed until you are fit for discharge from an acute care hospital, at no extra cost.

ii. Your consultant surgeon and their secretarial staff do not have authority from the hospital to advise you regarding the hospital terms and conditions/cost in respect of complications. Please ensure they have prior consent from the hospital finance team prior to your admission.

Please note after 28 days any complications will be chargeable.

Outpatient services

Outpatient services included in the package must be received at the hospital where you had your operation.

Written quotation

Your surgeon and their secretarial staff will advise you of the estimated hospital charges. Any price mentioned by them is subject to written confirmation by the hospital.
This package is only available when you have obtained and accepted a written quotation in the form of a pro-forma invoice from the hospital prior to admission.
The quoted price for the package is valid for a period of 60 days from the date of issue. A booking for the surgery must be made within this period.
The quotation is subject to change depending on the results of any pre-operative assessment. The hospital reserves the right to withdraw the quoted price at any time prior to surgery.

Consultant surgeon and anaesthetist fees

All consultants and anaesthetists are self-employed and provide their services direct to the patient.

The consultants and anaesthetists fees are not included in the hospitals quoted pro forma. The consultants and anaesthetist will invoice you their fees separately.

Payment

Payment may be made using internet banking, most credit and debit cards. However cash and cheques can only be accepted by prior arrangement as detailed in the pro-forma invoice.

Payment must be made in full prior to admission. The hospital reserves the right to refuse admission to a patient who has not paid in full.

If you require any further assistance please contact our business office on 01342 330300.

How to settle your account if your are self-funding your treatment

Our standard term of payment is three weeks prior to admission date. We accept the following payment methods:

Debit Card
Credit Card - we do not accept Diners or Amex Cards
Bankers draft
Personal cheque - must be sent ten days in advance prior to your admission date. Cheques must be made payable to The McIndoe Centre
Cash payment
Bank transfer (direct) - please call the business office (see below).

Cash payment

Under the Terrorism Act 2001 and the Money Laundering Regulation 2003, we as a business and individuals have a responsibility to report to National Criminal Intelligence Services (NCIS) any transactions which we suspect or have reasonable grounds to believe may involve MONEY LAUNDERING or TAX EVASION.

This means that if you choose to pay by cash, we would require you to bring two forms of identification:

A photo ID e.g. Driving licence or passport
Utility bill or bank statement to show proof of address (not older than three months).

Large cash payments

We will not accept in any circumstances, single or multiple CASH payments that total more than £7,500.00 for any admission/episode of treatment.

General account enquiries

Our Patient Accounts Officers are available between the hours of 8.30 am and 5.00 pm, Monday to Friday and can be contacted on 01342 330362. Please ask for the Business Office or send your query to accounts.mcindoe@horder.co.uk.

2) Using private medical insurance

Whether insured privately or via your company, The McIndoe Centre works with all the major insurers to ensure you are looked after without having to worry about the cost.

With private medical insurance you can arrange the treatment you need at a time to suit you.

All you need to do is follow the 5 simple steps below and you could be receiving treatment quicker than you think.

Five steps to private medical insurance

Check you’re covered

Before you receive any treatment privately, call your insurer and they will give you all the guidance you need to confirm you are covered and if necessary send you a claims form.

Getting a referral

Most medical treatments start with a referral to a specialist from your GP. This may involve your GP signing a claim form and may incur a small fee which is not covered by your insurance.

Seeing the specialist

Your specialist will decide the best way forward for you and this can include tests, admission for a stay in hospital, treatment that can be carried out as a day patient or even an outpatient procedure. Remember to stay in contact with your insurer to confirm that your treatment is covered.

Arranging treatment

Whether you require a simple outpatient procedure or need major surgery you can access treatment with very little waiting times. So you can choose a time convenient for you.

Who pays the bill?

The McIndoe Centre and some specialists deal directly with your insurance company but other consultants will send the bill directly to you. Your insurance company will tell you how they will pay your claim.

Private Medical Insurance (PMI) providers

The McIndoe Centre provides treatment to patients that hold policies with most major private medical insurance (PMI) providers. (We do not offer our own medical insurance scheme) The best place for independent advice on PMI is the Association of British Insurers (ABI). All reputable insurance companies are members. The ABI publishes a free guide to purchasing medical insurance, designed to help you understand more about how private medical insurance works so that you can make an informed choice before buying a policy.

If you do opt to take private medical insurance, do remember to check beforehand any test or procedure at The McIndoe Centre would be covered in their scheme.

Payment Information

Insurance cover and exclusions

These depend on your level of cover and the insurance company that you are insured with. Your insurance company may exclude certain medical conditions, they may have a limit on the treatment your consultant has prescribed or on the reimbursement for accommodation or other services. We cannot emphasis enough the importance of contacting your insurance company before admission to check that you are adequately covered.

Your insurance company will also advise you if you need to complete one of their standard claim forms. If so, your consultant or in some cases your GP, must complete and sign this document giving details of your treatment. Without this signed form, your insurance company will not make payment to the hospital and you will be liable to settle the bill.

Please ensure your insurance claim form has been completed and returned to your insurer prior to your admission, and please keep a copy yourself as the details will be useful to the hospital on admission.

Some insurance companies no longer issue claim forms, and will pre-authorise treatment over the telephone confirming details in writing to you prior to your admission. Please bring this authorisation number with you to the hospital.

Whether insured, (3rd party i.e. solicitors / companies / charities) or paying for your own treatment, responsibility for the settlement of the consultant's, anaesthetists and hospital charges always remains with the patient.

On admission, you will need to sign an admission agreement form confirming that payment for your hospital treatment will be made either by yourself or your insurance company.

Personal items such as telephone charges, newspapers, alcoholic or soft drinks, visitors' refreshments and meals are not covered by health insurance or by any self-pay scheme and you will be billed separately by the hospital for such miscellaneous items. These charges are payable or discharge.

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As a nationally recognised hospital of excellence in plastic, reconstructive, ophthalmic and maxillofacial surgery, we have demonstrated ourselves to be: effective, responsive, caring, safe and well-led. Recently rated ‘good’ by the CQC, we are committed to treating our patients and each other with kindness, respect and dignity resulting in life-changing outcomes.

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