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    Paying 100% of expensive treatment is very different to paying 20%! Most pensioners do tend to come home permanently once they start down that road, though.

    As an aside, UK state pensioners resident in the EU are entitled to use the NHS - so could come home, but there are of course practical implications. For UK citizens, non resident in the UK, they cannot use the NHS. Well, they can as the rules are never enforced, of course!

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