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  #21  
Old 09.08.2018, 20:35
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Re: I have been to a GP now I am scared of the bill

Is it really that important ?



You have been to the doctor, used his services and now you will pay according to the tariffs laid out and agreed with the Federal Health Office.
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  #22  
Old 09.08.2018, 20:52
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Re: I have been to a GP now I am scared of the bill

What is this? The bookies about medical bills?

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What have fire and theft insurance to do with health insurance? You have that, do you?
She didn't like the diagnosis, knocked the doctor down, set fire on the praxis and stole a few files when not knowing which one was her's on the way out.
She'll need all three (you forgot third party, roegner).

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OMG that is exactly right - you can read my mind!
What is. You're the cryptic type, eih?

It's simple: If you didn't get an estimate before (which would have been a far too logic thing to do of course) you best now just lean back and wait for the bill. McTAVGE got tea ready by the way.
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  #23  
Old 09.08.2018, 21:25
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Re: I have been to a GP now I am scared of the bill

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You have been to the doctor, used his services and now you will pay according to the tariffs laid out and agreed with the Federal Health Office.
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  #24  
Old 09.08.2018, 23:13
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Re: I have been to a GP now I am scared of the bill

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If you didn't get an estimate before (which would have been a far too logic thing to do of course) .
Do people really do that in the middle of a normal GP consultation? I can see one would ask about costs for a proposed surgery, course of treatment, physiotherapy etc.

...but "stop doctor, before you look in my ears, how much will that cost? "
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  #25  
Old 10.08.2018, 00:26
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Re: I have been to a GP now I am scared of the bill

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Do people really do that in the middle of a normal GP consultation? I can see one would ask about costs for a proposed surgery, course of treatment, physiotherapy etc.

...but "stop doctor, before you look in my ears, how much will that cost? "
If you have a 'Franchise' of Fr. 1500.00? Definitely. Not before he looks into your ears (because if you do it that soon, you should definitely go for a lower 'Franchise' ) but in general, yes. The latest before he shoves you into, in front of or under a machine.

There are things where I don't talk about money: Doctor's, dentist. I might ask whether something really needs to be done and why. And what if not. My health decisions are never done based on price.
I also think only cool, realxed (and rather healhy) people should go for such a high 'Franchise' and theoretically should be prepared to pay 1500.00 a year, each year if necessary.

But if one thinks differently that's fine too. Only then one should also get all the information beforehand. And doctor's understand that. Mine told me about clients with such high 'Franchise' getting some of their medication in Germany because it's cheaper and he writes them the 'recipe' for a medicine that might have a different name there but is the same.

I'm actually using very little money for doctor's and medication each year. I should seriously think about changing the contract. On the other hand so far I always had the impression that the deal doesn't add up for me. Theoretically I should save at least Fr. 1150.00 on premiums/year but they're not stupid, they don't give you such a discount.
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  #26  
Old 10.08.2018, 01:33
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Re: I have been to a GP now I am scared of the bill

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Do people really do that in the middle of a normal GP consultation? I can see one would ask about costs for a proposed surgery, course of treatment, physiotherapy etc.

...but "stop doctor, before you look in my ears, how much will that cost? "
Yes, ideally not just in the middle, but beforehand, if one's insurance coverage isn't absolutely clear. I have heard patients saying that their doctor had wanted to do x or y, right there in the regular doctor's appointment, but they had declined after having asked how much it would cost. A doctor recently told me how it had been quite a challenge to work out how to treat a patient once it became clear that the patient could not afford to get certain tests done.

My GP tells me, of her own accord, if she is going to suggest a procedure/medication which will not be covered by the insurance, and she gives me an indication of the price right there and then.

And yes, whenever any other doctor recommends any further procedure, I check whether it's going to be covered, or alternatively what it will cost me, before I agree to proceed. This most especially with dentistry.
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  #27  
Old 10.08.2018, 01:50
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Re: I have been to a GP now I am scared of the bill

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Yes, ideally not just in the middle, but beforehand, if one's insurance coverage isn't absolutely clear. I have heard patients saying that their doctor had wanted to do x or y, right there in the regular doctor's appointment, but they had declined after having asked how much it would cost. A doctor recently told me how it had been quite a challenge to work out how to treat a patient once it became clear that the patient could not afford to get certain tests done.

My GP tells me, of her own accord, if she is going to suggest a procedure/medication which will not be covered by the insurance, and she gives me an indication of the price right there and then.

And yes, whenever any other doctor recommends any further procedure, I check whether it's going to be covered, or alternatively what it will cost me, before I agree to proceed. This most especially with dentistry.
Do you do a lot of alternative treatment or prevention?

I don't remember ever having treatment that was not covered by basic insurance. And there were two years in my life when they kept taking me apart and putting me back together just to take me apart again (that's how it felt anyway).
At least now that I've recovered I know ever bit of my body is in perfect shape

With dentistry prices of big procedures should definitely be discussed in advance. When it's about fillings I don't bother. They gotta be done, right? Plus I know his taxpoint-level.
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  #28  
Old 10.08.2018, 01:54
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Re: I have been to a GP now I am scared of the bill

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D When it's about fillings I don't bother. They gotta be done, right?
Yes, ideally, and those who can afford to, get them done.

Of those who know they've got the money to pay for the treatment, some prefer not to let money interfere in concentrating on the treatment, and they just deal with the bill when it arrives. Others prefer to know the numbers beforehand, especially if they have the potential to influence some other part of their budget.
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  #29  
Old 10.08.2018, 02:07
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Re: I have been to a GP now I am scared of the bill

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Yes, ideally, and those who can afford to, get them done.

Of those who know they've got the money to pay for the treatment, some prefer not to let money interfere in concentrating on the treatment, and they just deal with the bill when it arrives. Others prefer to know the numbers beforehand, especially if they have the potential to influence some other part of their budget.
Well, I guess it's also a question of attitude.
When I did my apprenticeship and survived on bloody nothing, I already started up an account in order to have some money in a dentis-emergency. I just always felt you don't play with health (all the other stuff apart from teeth was covered by health-insurance). I don't know how I did it but somehow you can always shift 10 franks a month on an account.

I still have that account, decades later, only remember it when taxform is due. One never knows what turn life takes
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  #30  
Old 10.08.2018, 17:28
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Re: I have been to a GP now I am scared of the bill

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Wrong!

Most basic insurance in the UK is 3rd party only! (Granted it’s not always offered and a lot of insurance only offer 3FT as the most basic)
The pedant in me wishes to (possibly) disagree.

Back in the days when I did a lot of work for insurance companies, I believe the most basic was RTA (road traffic act) cover. Not sure it even include third party liability at all.

Same caveat applies though, just because it exists on paper does not mean you can have it.

We actually had one underwriter who quoted a higher premium for RTA than TPFT (third party fire and theft) because - and I quote - "the type of people who are happy to cut that many corners on insurance are also statistically more likely to do it while driving"...

Regards


Ian
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  #31  
Old 10.08.2018, 17:35
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Re: I have been to a GP now I am scared of the bill

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1500 isn't cheapest, 2500 is.

Tom
And could be cheaper still if special Hausarzt model or similar.
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  #32  
Old 10.08.2018, 17:48
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Re: I have been to a GP now I am scared of the bill

Reading this thread makes me think that it should be closed.
There are many threads which provide good, current and informative information on the topic
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  #33  
Old 10.08.2018, 19:06
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Re: I have been to a GP now I am scared of the bill

Please let's at least leave it open until OP comes back (let's hope) and tells us how she is dealing with being scared, and whether she has found out the information she needs from the doctor.
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  #34  
Old 10.08.2018, 19:07
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Re: I have been to a GP now I am scared of the bill

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Reading this thread makes me think that it should be closed.
There are many threads which provide good, current and informative information on the topic
Spoil sport!
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