Health Bill [Lords]

I congratulate the Secretary of State on his new post. Help the Aged, the British Medical Association and others have expressed concern about direct payments, which are to be piloted as part of the new personal health budget initiative. Will direct payments in any way remove patients' human rights, and what happens to any underspend from them? Does it stay with the patient or does the patient pay it back to the NHS? There are genuine concerns about direct payments, so can we have a lot more meat on this bone?