Healthcare Financial Planning - Ireland

• Start with Healthcare Financial Planning 101Employees learn the six financial layers behind Irish healthcare: the healthcare need, public healthcare route, healthcare-cost support, private or employer coverage, personal cost exposure, and the next financial action worth checking.
• Build the Ireland Healthcare Cost MapParticipants privately map where HSE care, Medical Card or GP Visit Card support, prescription schemes, private health insurance, employer support, and personal costs may fit around common healthcare situations.

What employees gain

• A simple map of how HSE healthcare, healthcare-cost schemes, private insurance, employer health benefits, and personal spending can interact
• Greater confidence distinguishing Medical Card, GP Visit Card, Drugs Payment Scheme, Long-Term Illness Scheme, and private healthcare coverage
• A clearer understanding of private-health excesses, shortfalls, outpatient limits, waiting periods, Lifetime Community Rating, and renewal decisions
• Better questions to ask healthcare providers, insurers, employers, and public services before paying for healthcare

• Public Healthcare, Medical Cards & GP CostsEmployees learn the financial starting point for HSE healthcare, GP visits, Medical Cards, GP Visit Cards, and common public-healthcare costs.
• Prescription Medicines: DPS, Long-Term Illness & Medicine CostsEmployees learn the different public schemes that can cap or remove qualifying prescription medicine costs.
• Public Hospitals, Emergency Care & Waiting-List CostsEmployees learn public hospital charging, Emergency Department costs, public versus private patient status, and official planned-care routes when waiting for treatment.

• Private Health Insurance: Hospital Cover, Excesses & Outpatient BenefitsEmployees learn hospital cover, outpatient benefits, excesses, shortfalls, plan limits, and current HIA information without recommending an insurer.
• Private Health Insurance Costs: LCR, Waiting Periods, Renewal & Tax ReliefEmployees learn the financial rules that affect the cost and continuity of Irish private health insurance without providing individualized policy or tax advice.
• Dental, Optical, Hearing & Everyday Healthcare CostsEmployees learn PRSI-linked Treatment Benefit, public healthcare support, private-health benefits, and personal costs for everyday healthcare services.
• Mental Health, Chronic Conditions & Recurring Healthcare CostsEmployees map recurring healthcare costs across HSE services, prescription schemes, private insurance, employer support, and personal spending.

• Pregnancy, Family & Children's Healthcare CostsEmployees learn public maternity care, private maternity costs, children's healthcare, dependant cover, and recurring family healthcare expenses.
• Cross-Border, Treatment Abroad & Travel Healthcare CostsEmployees distinguish CBD, NIPHS, TAS, and EHIC and understand when treatment outside Ireland requires upfront funding or can leave a personal shortfall.
• Long-Term Care, Fair Deal & Caregiving CostsEmployees learn the financial structure of nursing-home and longer-term care without turning the session into an individual Fair Deal assessment.
• Employer Health Benefits & System CoordinationConnect the organization's actual health-related benefits with HSE healthcare, public cost-support schemes, personal private insurance, and employee out-of-pocket costs.
• Newcomers & International Employees: Public Healthcare, LCR & Coverage GapsHelp recent arrivals and returning residents understand public-healthcare eligibility, private-insurance waiting periods, Lifetime Community Rating, and temporary healthcare-cost gaps.