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Old 12.06.2020, 10:24
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Choosing a GP - price differences?

I've just moved to Switzerland and have decided to take out the family Doctor basic health insurance model with Helsana, so I now need to find a GP.
I cannot find information online on the prices each GP charges. Does anyone know how this works?
Is it because the amount they can charge is somehow regulated? For example, are they only allowed to charge within a narrow range or prices, depending on their qualifications?
If so, does anyone know where I can find information on this?
Thanks in advance!
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Old 12.06.2020, 11:30
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Re: Choosing a GP - price differences?

There is an agreed pricing structure. It’s called TARMED.

The details are here but only in German, French or Italian.

https://www.bag.admin.ch/bag/fr/home...em-Tarmed.html
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Old 12.06.2020, 11:33
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Re: Choosing a GP - price differences?

There are differences, my wife's doctor is known for being more expensive, for example, and thus she cannot use the family-doctor model with him, she needs to use standard.

Tom
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Old 12.06.2020, 11:41
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Re: Choosing a GP - price differences?

Some doctors also charge for more services than others for what is essentially the same amount of care. (E.g. treatment of the patient's dossier in the patient's absence in periods of 5 minutes, extra charges for "psychotherapy", etc.) My current GP charges me mostly for what she does when I am there, my previous one always had lots of extra charges on the invoices that I felt were completely unjustified. This was one of the reasons I switched GPs, but it's hard to figure out in advance what billing philosophy a doctor has. It's a bit of a crapshoot.

B.
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Old 12.06.2020, 16:32
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Re: Choosing a GP - price differences?

The TARMED assigns a certain number of "points" for each activity carried out by a doctor. However each doctor is allowed to charge largely what they want for each point. The value of each point is usually displayed in the waiting room and I guess you can call and find out. Some doctors charge for activities which it's not clear have actually been carried out. The TARMED billing system is all but clear to the patient.
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Old 12.06.2020, 16:50
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Re: Choosing a GP - price differences?

Would Helsana provide a list?
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Old 12.06.2020, 17:02
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Re: Choosing a GP - price differences?

Quote:
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It's a bit of a crapshoot.

What he said


Basically doctors can charge a fixed price per each act, chunk of time, materials, etc, but it's them that decides how much of these to bill you for (within some guidelines). Eg. whether to bill you for 5 minutes and a plaster or more like 15 minutes, writing a prescription, making a phone call and 12 bandages.



Usually doctor-restricted insurance models are restricting you to some "agreed" doctors that tend to charge more into what the insurance would expect and around the average. But that doesn't insure you are getting good value for money though.
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Old 12.06.2020, 17:08
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Re: Choosing a GP - price differences?

Also, you should calibrate your price-sensitivity based on your deductible and expected number of yearly visits.
If, for example, you have a very low deductible - you probably don't care about the price at all because you know you'll max it out (and further charges will apply to you only at 10% rate). In that case just go for the most recommended one / the one you think will be the best one.
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Old 13.06.2020, 13:27
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Re: Choosing a GP - price differences?

I am taking out insurance with the highest deductible (2500 CHF), so it matters to me how much they charge as I don't plan on accumulating that many bills.

Thanks for all your advice!
I will call round some Doctors and ask how much they charge for each TARMED point.
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Old 13.06.2020, 13:37
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Re: Choosing a GP - price differences?

Also if you are taking the general doctor model, you have to check that your insurance company will accept the doctor you are choosing.
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Old 13.06.2020, 13:39
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Re: Choosing a GP - price differences?

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Usually doctor-restricted insurance models are restricting you to some "agreed" doctors that tend to charge more.
Not more, LESS.

Tom
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Old 13.06.2020, 14:09
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Re: Choosing a GP - price differences?

Yes, I am in correspondence with Helsana about the Doctors they would accept. Glad that the 'agreed' Doctors tend to be cheaper!

Helsana actually recommended the Sanacare Gruppenpraxis. I could also choose the HMO model of the family Doctor, then I would be able to visit any Doctor within the Sanacare practices, which could give more flexibility. Does anyone have experience with this?
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