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  #21  
Old 29.10.2019, 12:53
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Re: Health Insurance -broken promises

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I think it's a good system.

One day I realized that it's my natural system: If I got a problem I always see my gp first. Sometimes he sends me to a specialist, sometimes he sorts it out himself. So I realized I was stupid not too save money on what I do anyway.

I guess it depends on the doctor but I never hat a problem getting transferred to a specialist when I needed one or - very seldom - thought I needed one.
Mine is almost too quick in mentioning one (as I don't think I ineed a specialist for every whim). The line then is "if that doesn't help it will be a case for the specialist" - which usually ends up me being just fine and not showing up until an other problem occurs.

While yes, I am a patient who discusses opinions with my doctor I'm perfectly aware that my gp's studies and daily usage of it is definitely more thorough than my internet-knowledge - therefore it makes perfect sense to me to ask him for help first.

When you decide about this, look at your own history. Did you run to speicialists for every cough? Then it might be too restrictive for you.

And even in the "Hausarztmodell" the gynaecologist (no need to point out you don't need those) and the ophthalmologist are exempted from the rules. With those two one has free choice and can go directly.

An other advantage is that if you get tranferred by a gp, you get an appointment with the specialist much faster than you do when calling direct.

One last thing: About free choice. I have told my gp once that I shall not see a certain specialist again, should I need one of his kind. He clearly took note of it as he rememberd an other time and chose a different one. So I do have a say still.
Thanks. Great help. Most likely I will change to this. Saves 60chf! A month.
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  #22  
Old 29.10.2019, 15:33
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Re: Health Insurance -broken promises

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Thanks. Great help. Most likely I will change to this. Saves 60chf! A month.

So . Just changed it. Lets see how it works out
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  #23  
Old 29.10.2019, 16:55
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Re: Health Insurance -broken promises

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Come on now, you’re being obtuse. EdwinNL even has the name of the suburb listed in their location.
I'm quite simply amazed that you go to the effort of getting the map and posting it, but don't look at the information in front of you.
Ahh yes. Now I see Leimbach. Used to live there direct on the shit main road. Could not even open the window. And the sun disappears behind the hill at 3pm.
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  #24  
Old 29.10.2019, 17:21
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Re: Health Insurance -broken promises

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Ahh yes. Now I see Leimbach. Used to live there direct on the shit main road. Could not even open the window. And the sun disappears behind the hill at 3pm.

Your typical friendly answer of the day?
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  #25  
Old 29.10.2019, 17:23
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Re: Health Insurance -broken promises

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Your typical friendly answer of the day?
Well i'm being objective
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  #26  
Old 29.10.2019, 19:23
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Re: Health Insurance -broken promises

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Any opinions about the " Hausarzt Modelle " for the health insurance?
If you have a good Hausärzt, and don’t require specialists on a regular basis, then it’s a good model.

My Hausärztin is great, but, i see my oncologist and orthopedist as needed, so it is less efficient for me.

Btw, I live in Zurich region 2, and my insurance is exactly the same price as last year.
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  #27  
Old 29.10.2019, 19:26
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Re: Health Insurance -broken promises

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If you have a good Hausärzt, and don’t require specialists on a regular basis, then it’s a good model.

My Hausärztin is great, but, i see my oncologist and orthopedist as needed, so it is less efficient for me.

Btw, I live in Zurich region 2, and my insurance is exactly the same price as last year.
Why is it then less efficient if you have to see specialists ?
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  #28  
Old 29.10.2019, 19:34
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Re: Health Insurance -broken promises

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Ahh yes. Now I see Leimbach. Used to live there direct on the shit main road. Could not even open the window. And the sun disappears behind the hill at 3pm.
You even take a sunbath In the smell of our shit, and you are full of shit. So cut the crap and admit that you just love that stuff.
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  #29  
Old 29.10.2019, 19:47
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Re: Health Insurance -broken promises

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Why is it then less efficient if you have to see specialists ?
Because I can call up my oncologist or ortho guy and make an appointment without a referral from my gp
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  #30  
Old 29.10.2019, 19:50
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Re: Health Insurance -broken promises

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Because I can call up my oncologist or ortho guy and make an appointment without a referral from my gp
So with this Hausartzt Model one has to pay every time not only for the specialist but also for the referral from the doctor?
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  #31  
Old 29.10.2019, 20:00
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Re: Health Insurance -broken promises

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So you have to pay every time not only for the specialist but also for the referral from the doctor?
You need a referral letter from your general doctor (GP) for a visit to the specialist.
It’s not generally a problem as one usually goes to the GP before seeing a specialist in any case ( and it usually speeds up the appointment process). If you have a recurring problem and need to continue seeing a specialist the GP will just provide the referral letter for the next year without the need to visit them.
The insurance requires the GP referral for each calendar year.
My insurer allows three specialist visits without a referral after which it may refuse to reimburse the costs.
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  #32  
Old 29.10.2019, 20:02
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Re: Health Insurance -broken promises

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You need a referral letter from your general doctor (GP) for a visit to the specialist.
It’s not generally a problem as one usually goes to the GP before seeing a specialist in any case ( and it usually speeds up the appointment process). If you have a recurring problem and need to continue seeing a specialist the GP will just provide the referral letter for the next year without the need to visit them.
The insurance requires the GP referral for each calendar year.
My insurer allows three specialist visits without a referral after which it may refuse to reimburse the costs.
Thanks. That seems to explain everything
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  #33  
Old 29.10.2019, 20:17
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Re: Health Insurance -broken promises

As already stated above, I have GP referral first and it works brilliantly for me. As I need to see a specialist every 3 months, she writes a referral for one whole year, if I need an X-Ray, she'll refer me to the nearest (private) clinic rather than the general hospital, when I had lower back pains she referred me to a specialist and for unlimited physio until the problem was permanently solved... and I only have the most basic insurance.


Downside: my GP likes to take her time, it is rare to be in her cabinet less than 40 minutes and of course every minute is invoiced...depending on your "franchise", you might end paying quite a bit on GP fees.
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  #34  
Old 29.10.2019, 21:01
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Re: Health Insurance -broken promises

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As already stated above, I have GP referral first and it works brilliantly for me. As I need to see a specialist every 3 months, she writes a referral for one whole year, if I need an X-Ray, she'll refer me to the nearest (private) clinic rather than the general hospital, when I had lower back pains she referred me to a specialist and for unlimited physio until the problem was permanently solved... and I only have the most basic insurance.


Downside: my GP likes to take her time, it is rare to be in her cabinet less than 40 minutes and of course every minute is invoiced...depending on your "franchise", you might end paying quite a bit on GP fees.
My GP is exactly the opposite. Its rush rush...
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  #35  
Old 29.10.2019, 22:02
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Re: Health Insurance -broken promises

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...my GP likes to take her time, it is rare to be in her cabinet less than 40 minutes and of course every minute is invoiced...depending on your "franchise", you might end paying quite a bit on GP fees.
Do you often show up to GP visits in your kilt? Might be a reason for those longer appointments.

Sorry, couldn't resist.
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