- The NHS is very good at basic care. GPs are generally very accesible and local. So if you have a virus such as strep throat or a UTI, then they are great....you get antibiotics and voila you are better. Mental health....GOOD LUCK!!! It's about 10 years behind the US in terms of treatment. I don't know if this is because there is still very much a stigma against mental health treatments, such as anti-depression meds, but your wife is probably not in for an easy ride on the depression front.
- I can sympathise with the whole deductible and co-pay mine fields that the US insurance system has in place, but it is the patients responsibility to some extent to know their policy and work that system during their care. In the same vain, if you need to see a specialist on the NHS get ready to wait in most cases. It may be free, but that doesn't mean immediate. Private health insurance is becoming much more popular over here to address the issue of these long wait lists.
- If you and your wife both have jobs and at least one of you has been offered insurance, don't you think it would have been wise to pay in for a year to secure yourself some sort of insurance instead of trying to move to another country. It is going to be an expensive process securing yourself a visa for any country - UK, Ireland or Canada. Not to mention the costs of actually moving to another country, setting up home and getting settled. I moved as a single person and between shipping costs, visa costs, airfare and deposits for a flat it probably cost me nearly $3500.
- Insurance premiums and deductibles in the US are high, but so are the taxes I pay in the UK to help support the NHS. As someone who doesn't tax the NHS system all that much (up until getting pregnant 3months ago, I had seen my GP about 6 times in 3 years for routine visits and colds), I find it incredibly annoying that someone in poor health thinks that they should be entitled to move to this country to take advantage of "free" healthcare. If you arrived tomorrow and started getting care...you would be putting strain on an already stressed system without paying in. How is that fair to British people? It is likely that you will get jobs and pay in, but probably not enough to cover your expenses. So from a strictly economical standpoint, I don't see why the UK should want to let you and your wife move here.
- Dental care....I hear that the NHS dental system likes to push full dentures, so get ready for that recommendation if your teeth are falling out.
I just think that instead of looking for any easy way out you need to look at taking responsibility for your health and it sounds as if you may have made some poor choices over the past few years.