Medical Card for People aged 70 and over
Under the Health Act 2008, automatic entitlement to a medical card for persons aged 70 or over ceased on 31st December 2008, and with effect from 1st January 2009, the income thresholds for entitlement to a medical card for those aged 70 and over is €700 (gross) per week (€36,500 per year) for a single person and €1,400 (gross) per week (€73,000 per year) for a couple. The Act provides that all persons aged 70 and over will be exempt from the health contribution (the 'Health Levy'), whether they have a medical card or not.
Under the over 70s medical card scheme, from 1st January 2009 any savings and similar investments up to €36,000 (single)/€72,000 (couple) will be disregarded and only interest from savings or similar investments above these figures will be considered as income for means testing purposes. The remainder of savings and similar investments will be assessed on the income calculated at a notional interest rate, based on the prevailing interest rates at the time of application. The Health Service Executive's (HSE) Central Application Unit will review the notional rate on a quarterly basis.
Alternatively, where an applicant wishes to have the actual interest from savings/investments considered, then the HSE will apply this approach and use the most beneficial option in favour of the applicant, subject to submission of the appropriate certificates, of interest paid on savings in the last full calendar year, from the relevant institutions. In the case of "longer term" investment accounts, where the interest is only applied at the end of a fixed period, if the applicant so wishes, the HSE will only take account of the interest earned on the date the investment matures.
Income will not be imputed from property (whether a family home, a holiday home or any other property) for means testing purposes, unless it is rented and only the net rental income will be included as income. The income to be assessed will be the gross income, less any cost necessarily incurred associated with the rental of the property and such cost may include insurance premia, loan/mortgage repayments, maintenance etc.
Where a person aged 70 or over does not qualify for a medical card after 1st January, by virtue of their gross income being over the thresholds of €700 per week for a single person or €1,400 per week for a couple, the person may apply to the Health Service Executive (HSE) for a medical card or GP visit card under the existing net income thresholds, which allow for medical, nursing and other relevant expenses to be taken into account.
Notwithstanding the above, the HSE may issue a medical card on a discretionary basis, if the applicant would otherwise be caused undue hardship in providing general medical and surgical services for himself/herself and any dependants.
More information is also available on the HSE Website and the Citizens Information Board Website
Click here to view the Health Act 2008
