Ticking the wrong box can cost you quite a bit of money. And it’s something that happens more often than you think. It’s a common misconception that everyone on universal credit (UC) is automatically entitled to free NHS prescriptions and NHS dental treatment. We shall bust this myth today.
This is what you must know about eligibility
Your entitlement depends on your household’s total take-home pay during your last universal credit assessment period. This figure is clearly shown on your universal credit statement. This is usually found under the heading ‘Your total take-home pay for this period.’ It’s the net income earned after tax, national insurance and pensions are deducted.
You’ll qualify for full cover if in the last period your take home pay as an individual or joint pay if a couple is:
- £435 or less: with no children and no limited capability for work- or work-related activity element (LCW / LCWRA)
- £935 or less: if your universal credit payment includes an element for child, or Limited Capability for Work (LCW) or Limited Capability for Work Related Activity (LCWRA)
The NHS Business Services Authority (NHSBSA) is the body which carries out checks on claims and recovers charges from patients who claim incorrectly.
The cost of a wrong tick
- They NHSBSA can send you an enquiry letter asking you to confirm entitlement within 28 days.
- The NHSBSA can issue a Penalty Charge Notice (PCN) requiring you to pay the original cost of prescription / treatment and an additional penalty fee of up to £100.
- Ignoring the PCN can lead to higher fines and surcharges.
- Unpaid fines can be referred to debt collection agencies which can affect your credit score making it harder to get loans or contracts in the future.
What can you do to avoid claiming incorrectly?
- You can use the NHS Eligibility Checker to find out if you qualify. It is quick and easy to use.
- Ask for a receipt. If you aren’t certain then pay for the treatment first and ask for refund later once you have confirmed entitlement. Get your refund forms at the time you make the payment. It may help as getting these later can be tricky. Ask for the FP57 for prescriptions or and HC5(D) for dental treatment. Claim within the time frames specified.
Remember that it’s your responsibility to make sure the correct box is ticked on your prescription or dental treatment claim form. Important to note, it’s your responsibility if it’s ticked by:
- you
- someone on your behalf
- pharmacy or dental practice staff
Don’t let a simple mistake turn into debt. Always check before you tick!
