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  #21  
Old 16.05.2012, 18:10
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Re: mysterious Dr.'s charge

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I did email back my doctor, crawling on my knees basically.....I don't doubt your integrity, etc. etc., I am new to the system, misunderstood...thank you for explaining...
You do realise you are probably going to get billed by the doc for the time spent reading that email.
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  #22  
Old 16.05.2012, 18:28
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Re: mysterious Dr.'s charge

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Does it bother anyone else the amount the doctor charges for 5 minutes of his/her time????

37chf per 5 mins...
= 444chf per hour
= 3552chf per day (assume 8 hours)
= 17,760chf per week (assume 5 day week)
= 71,040chf per month (assume 4 week month)
and a grand total of 852,480chf per year??

Because you think your doc will sit in his surgery/office all day and see patient after patient non-stop? He will have to write to colleagues/surgeons/specialists/ make phone calls to patients, old-people's homes, physiotherapists, etc, etc. Then s/he will have home visits and also visit old peoples Homes and institutions. Write insurance reports, analyse results, and discuss issues with staff, admin, run the business (yes it is a business), read up on new treatments and keep up with the medical press and research. The list is endless. Then s/he will have to pay his/her debts for the surgery/office, x-ray and other expensive equipment. The list is endless. The average salary is actually 200.000 - with country GPs in rural areas, earning a lot less.

Consultants/Specialists earn about double. One of the reasons why GPs are all coming up for retirement with no replacements available. One GP here died 5 years ago and was never replaced. It is hugely expensive to set up a modern surgery/office in CH.

by Etienne Strebel, swissinfo.ch
Fewer and fewer young doctors in Switzerland are choosing to become general practitioners, a trend family doctors protested against in the Swiss capital on Thursday.

If it continues, the decline in the number of GPs could have a serious effect on health care, they warn.

To better inform the general public of the situation, their association has launched a campaign demanding a change to health policy that encourages more students to embrace the profession.

Only ten per cent of medicine students plan on careers as family doctors. Meanwhile, half of Switzerland’s GPs are expected to retire in 2016, and by 2021, it is expected that 75 per cent will have retired.

Last edited by Odile; 16.05.2012 at 23:06.
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  #23  
Old 16.05.2012, 23:00
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Re: mysterious Dr.'s charge

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Consultants/Specialists earn about double. One of the reasons why GPs are all coming up for retirement with no replacements available. One GP here died 5 years ago and was never replaced. It is hugely expensive to set up a modern surgery/office in CH.

I have to say that it was bloody hard finding a GP who would add me to her roster in the first place.
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  #24  
Old 16.05.2012, 23:22
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Re: mysterious Dr.'s charge

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Of course you have set up compulsory medical insurance as per the law, haven't you? What 'franchise' have you chosen? It shouldn't really be 'gazillions'?
I've got the insurance that requires me to see the GP before the specialist (i.e. the allergist or nose doctor I was really itching to visit). My franchise is 2000chf/year.

I wouldn't mind switching GPs (wasn't that comfortable with this original one to begin with) but isn't it true that every time you see start up with a new GP, they book you for an extended appointment where you get asked about everything from your family's history of diabetes to your godmother's drinking habits?


Also, don't know if it's worth switching because I plan to NEVER get sick and have to see the doctor again. On this side of the border. Except for this pregnancy thing, that is.
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  #25  
Old 16.05.2012, 23:26
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Re: mysterious Dr.'s charge

Perhaps you need to look at lowering your franchise to 500 if you have a chronic illness? It may well be a better option for you.

Why not look into this and see if it would be worth your while?
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  #26  
Old 16.05.2012, 23:32
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Re: mysterious Dr.'s charge

My chronic problem is that because of an undermined allergy, I haven't had a sense of smell (and therefore, sense of taste) for most of the last 10+ years. It's more annoying than anything. Would be lovely to have a lower franchise though!
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  #27  
Old 17.05.2012, 00:12
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Re: mysterious Dr.'s charge

Doctors charge per 5 mins. But the price is different depending on what they are doing during those 5 mins. There are codes that relate to the price/task. I could be why she was upset, ie, she could have used a cheaper code but didn't.

Anyway, at your leisure, find a new GP. If you are going to a specialist you may ask. Usually if you are referred by another Dr you are more likely to get in.

Which reminds me, we need to find a family GP. I didn't have one and ended up having to to go the "emergency" service because no GPs could take me on short notice. & I desperately need to see an allergist too! Is yours good? Are you getting the tests? Can you PM me your allergists name? (PS, I don't want your GP!! )
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  #28  
Old 17.05.2012, 10:29
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Re: mysterious Dr.'s charge

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Doctors charge per 5 mins. But the price is different depending on what they are doing during those 5 mins. There are codes that relate to the price/task. I could be why she was upset, ie, she could have used a cheaper code but didn't.
I think you're right....looking at the bill, the "instruction du patient" bit I was protesting was only half of the total bill. There were additional sections for the first five minutes, last five minutes, other increments of five minutes.

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ended up having to to go the "emergency" service because no GPs could take me on short notice.
How were the charges for drop in at the emergency clinic? I have a friend who can't be bothered to wait a month before a GP would take her for that long initial appointment and ONLY uses the emergency clinic.
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  #29  
Old 17.05.2012, 10:35
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Re: mysterious Dr.'s charge

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I desperately need to see an allergist too! Is yours good? Are you getting the tests? Can you PM me your allergists name?
My GP didn't recommend seeing an allergist since my problem is not too serious (i.e. life threatening). She says that proper allergy tests are super extensive and expensive. If she says so, I'm inclined to believe her!

If I were to do allergy tests in the future, I would get them done over the border in France.

A few years ago, I went to an allergist/lung doctor in the North of France, just someone I found in the yellow pages. He gave me lots of tests to check the extent of my asthma (including a machine that measured the force of my exhale), lung x-rays, a dozen pokes in my forearm to test for allergies. I must have spent at least an hour in his office, even got same day results. When it came time to pay, the whole bill came up to 100 euros. (No insurance, I might add! How fantastic is that?)
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  #30  
Old 17.05.2012, 11:17
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Re: mysterious Dr.'s charge

So these allergy tests will still be valid - why not discuss those with your doctor?

As said, if you have a chronic illness, a franchise of 2000 is not a good idea. Better pay a bit more for a 500, and then once this ceiling is reached, you'll be covered.
Imho it is so important to find a GP and s/he gets to know you and your medical history, and that of your children, BEFORE an emergency occurs. Yes, it will cost you a few CHF for that initial consultation, (up to you to cut short any lengthy irrelevant chit chat) but I'd say it is really worth it. Even if it means you decide to go elsewhere as you didn't feel comfortable with this Dr.

If you are in prefect health, the highest franchise makes sense- but if you have a chronic condition, where testing and drugs are expensive, then id does not.

Last edited by Odile; 17.05.2012 at 12:47.
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  #31  
Old 17.05.2012, 11:33
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Re: mysterious Dr.'s charge

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So these allergy tests will still be valid - why not discuss those with your doctor?

As said, if you have a chronic illness, a franchise of 2000 is not a good idea. Better pay a bit more for a 500, and then once this ceiling is reached, you'll be covered.
Imho it is so important to find a GP and s/he gets to know you and your medical history, and that of your children, BEFORE an emergency occurs. Yes, it will cost you a few CHF for that initial consultation, (up to you to cut short any lengthy irrelevant chit chat) but I'd say it is really worth it. Even if it means you decide to go elsewhere as you didn't feel comfortable with this Dr.
I think I am saving 75% of the additional franchise, unless you are going to spend 2000 plus a year then the higher the franchise the better.
Never had a medical bills paid by insurance in CH, been here 18 years. Average costs of bills under 150 CHF a year, never over 800 CHF insurance is such a rip off!

For basic insurance the premium is the same aged 30 or 80, so the cost is not risk related in any way.
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  #32  
Old 17.05.2012, 12:12
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Re: mysterious Dr.'s charge

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How were the charges for drop in at the emergency clinic? I have a friend who can't be bothered to wait a month before a GP would take her for that long initial appointment and ONLY uses the emergency clinic.
It was 140CHF but this was in Neuchatel. I was expecting more to be honest. That wasn't including tests. It was a waste of time though because he didn't believe I had allergies and so didn't give me anything but a pat on the head.
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  #33  
Old 17.05.2012, 16:33
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I think I am saving 75% of the additional franchise, unless you are going to spend 2000 plus a year then the higher the franchise the better.
Never had a medical bills paid by insurance in CH, been here 18 years. Average costs of bills under 150 CHF a year, never over 800 CHF insurance is such a rip off!

For basic insurance the premium is the same aged 30 or 80, so the cost is not risk related in any way.
I think you're right, that the cutoff is somewhere around 2000. But I don't think insurance here is a ripoff. It's actually less expensive than similar coverage in the US if you have to pay yourself, and the co-pay system in the US is a nightmare. If you're in excellent health, then I guess it seems to be a lot to pay. Insurance is like gambling. Hopefully, you'll keep your excellent health. The nice thing about Switzerland is that no one is financially ruined by illness (unlike the US). If I were from the UK, I'd probably have a different perspective.

The risk pool here is quite large (30-80), which I suppose is annoying if you're under 50.
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