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Old 24.05.2012, 00:12
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Estimating prescription costs

My family and I will be moving to Zurich later this year, and I'm trying to figure out our medical expenses. Any assistance you can offer would be helpful.

First question: Do prescription drugs costs count towards your franchise/deductible? If I have, for instance, insurance with a CHF500 franchise, would I have to pay full cost for the drugs until I reach my franchise? And then I assume I would pay a 10% co-insurance payment until I had reached my maximum?

Second question: Can anyone tell me where I could find a price list for common drugs, so I can find out how much I would likely have to spend on a monthly basis? In the US, we pay a co-pay, which is always a pre-set amount, so I have very little understanding of how much our prescriptions actually cost.

Last edited by Milo; 24.05.2012 at 00:13. Reason: fixed typo
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Old 24.05.2012, 00:44
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First - I can't answer with 100% certainty, but I think the answer is yes.

Second - I don't know of a standard price list exists as the same medications at various pharmacies can be different prices.

It will depend on what you want - some things are cheaper here (ie my asthma meds), some are more expensive, some aren't covered (ie birth control) and some things you can't even get here.
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Old 24.05.2012, 00:58
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Re: Estimating prescription costs

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First - I can't answer with 100% certainty, but I think the answer is yes.

Second - I don't know of a standard price list exists as the same medications at various pharmacies can be different prices.

It will depend on what you want - some things are cheaper here (ie my asthma meds), some are more expensive, some aren't covered (ie birth control) and some things you can't even get here.
Yes you will pay in full for drugs out of your franchise, I have a large franchise & usually get perscriptions from France which is cheaper than Germany. For example 76 CHF / 56 GERMAN euros / 39 FRENCH euros!
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Old 24.05.2012, 01:07
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I'm pretty sure your meds are factored into the deductible, or franchise. I think in general, prescription meds cost about the same as they do in the US, give or take, and depending if it's generic. OTC stuff like ibuprofen is expensive and available in small quantities.

Once you've covered your franchise, i think that paying 10% of your meds is less than US copays which can be 25, 35, 45 dollars for name brand drugs and 5-15 for generic. Of course, if you need stuff like ibuprofen, you can get it from your doctor as a prescription med and pay 10%, given that you've met your deductible.

If you're on prescription meds, a lower franchise makes sense.
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Old 24.05.2012, 01:27
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Having a 1500 franchise probably saves 1000 v a 300 franchise, I see little point in a low franchise unless you will always spend more than the franchise
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Old 24.05.2012, 10:15
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Re: Estimating prescription costs

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Having a 1500 franchise probably saves 1000 v a 300 franchise, I see little point in a low franchise unless you will always spend more than the franchise
If you're on multiple prescription meds, I suppose I should have said. Not everything is available as generic. And even some generics are expensive.
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Old 24.05.2012, 16:52
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Re: Estimating prescription costs

We are on a number of different prescriptions, so it will amount to a significant monthly bill for our family. I made a list and asked one of my Swiss friends to check on prices at his apotheke, but he wasn't able to find all of them. Does anyone recognize these drugs, know what the Swiss name is, or what they cost for a month's supply?

#
Medicine
Cost in Switzerland
1
Advair inhaler 250/50
unknown
2
Albuterol inhaler ProAir
unknown
3
Flexeril 10mg (x30)
unknown
4
Levothyroxine (synthroid) 150 mcg (x30)
unknown
5
Vyvanse (lisdexamfetamine) 50 mg (x30)
unknown
6
Intuniv (guanfacine ER) 3 mg (x30)
unknown
7
Singulair 10 mg (x30)
(x28) 76.85 CHF
8
Flonase (flucticasone propionate) nose spray 50 mcg
(50 mcg) 10.00 CHF
9
Metformin HCL 1000mg (x60)
(x60) 16.25 CHF
10
Lovaza 1000mg (x120)
unknown
11
Ramipril 5mg (x30)
(x20) 14.05 CHF
12
Gemfibrozil 600mg (x60)
unknown
13
Glimepiride 4mg (x60)
(x120) 57.20 CHF


I would really appreciate it.
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Old 24.05.2012, 17:22
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Re: Estimating prescription costs

Another thread (Cost of Medication with and without prescription) linked to this list - http://www.bag.admin.ch/themen/krank...x.html?lang=de, which is a searchable database though I have a little trouble deciphering the results for price. I checked a few of yours and like the pharmacist, couldn't find some of yours but could find others.

I do know that albuterol is marketed under Ventolin here (I couldn't find albuterol or salbutamol in the database, but could find Ventolin) - http://en.wikipedia.org/wiki/Salbutamol

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We are on a number of different prescriptions, so it will amount to a significant monthly bill for our family. I made a list and asked one of my Swiss friends to check on prices at his apotheke, but he wasn't able to find all of them. Does anyone recognize these drugs, know what the Swiss name is, or what they cost for a month's supply?

#
Medicine
Cost in Switzerland
1
Advair inhaler 250/50
unknown
2
Albuterol inhaler ProAir
unknown
3
Flexeril 10mg (x30)
unknown
4
Levothyroxine (synthroid) 150 mcg (x30)
unknown
5
Vyvanse (lisdexamfetamine) 50 mg (x30)
unknown
6
Intuniv (guanfacine ER) 3 mg (x30)
unknown
7
Singulair 10 mg (x30)
(x28) 76.85 CHF
8
Flonase (flucticasone propionate) nose spray 50 mcg
(50 mcg) 10.00 CHF
9
Metformin HCL 1000mg (x60)
(x60) 16.25 CHF
10
Lovaza 1000mg (x120)
unknown
11
Ramipril 5mg (x30)
(x20) 14.05 CHF
12
Gemfibrozil 600mg (x60)
unknown
13
Glimepiride 4mg (x60)
(x120) 57.20 CHF


I would really appreciate it.
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