Go Back   English Forum Switzerland > Help & tips > Family matters/health  
Reply
 
Thread Tools Display Modes
  #1  
Old 18.03.2010, 21:50
Vlh22's Avatar
Forum Veteran
 
Join Date: Mar 2009
Location: UK, formerly Vaud
Posts: 1,319
Groaned at 3 Times in 3 Posts
Thanked 1,983 Times in 642 Posts
Vlh22 has a reputation beyond reputeVlh22 has a reputation beyond reputeVlh22 has a reputation beyond reputeVlh22 has a reputation beyond reputeVlh22 has a reputation beyond reputeVlh22 has a reputation beyond repute
How does the social assistance of health costs work?

Hi,

I'm currently unemployed and sicked off working for medical reasons. I am being given social aid with my living costs and have also applied for assistance with health costs, but I'm a bit confused how this works.

The information I have says that this refers to "la loi d'application vaudoise du 25 ju8in 1996 de la loi fédéerale sur l'assurance-maladie (LVLAMal)"

So does anyone know how this works?

I have been told not to pay this month's insurance premium but it comes out of my account on a direct debit and I can't cancel it and I have recieved no official confirmation that I am getting this assistance, and I don't want to end up not covered because no-one paid the premium.

Then what happens with medical bills? I'm with Assura, and at the moment I'm still sending all the bills to them. Do I still do that? I have been paying 10% of all my bills but the medical costs lately have been so huge I think I must have gone over that barrier to where they cover the lot.

The thing that is worrying me the most is that my medication costs so much. A month's supply sets me back over 500 CHF. Plus I have been prescribed several other 'one off' medications which have not been cheap. Because I am on social aid I am on a very limited income and today I had to ask the pharmacist for a bill for a prescription because I do not have enough money to pay for it. Very embarrassing - and worrying because I need this stuff to get better and what do I do if they refuse to bill me?

I'm very confused and wishing I was back in England when my prescription pre-payment card solved all these worries...

Any help or advice gratefully recieved.
Reply With Quote
  #2  
Old 18.03.2010, 23:08
Jim2007's Avatar
Forum Legend
 
Join Date: Jun 2006
Location: Kt. Bern
Posts: 5,151
Groaned at 295 Times in 221 Posts
Thanked 8,393 Times in 3,706 Posts
Jim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond reputeJim2007 has a reputation beyond repute
Re: How does the social assistance of health costs work?

Quote:
View Post
The thing that is worrying me the most is that my medication costs so much. A month's supply sets me back over 500 CHF. Plus I have been prescribed several other 'one off' medications which have not been cheap. Because I am on social aid I am on a very limited income and today I had to ask the pharmacist for a bill for a prescription because I do not have enough money to pay for it. Very embarrassing - and worrying because I need this stuff to get better and what do I do if they refuse to bill me?
Sorry I can't help you on the first question. But here is a suggestion for the second part. Show your health insurance card to the pharmacist and tell them to send the bills direct to the insurance company. They will pay the bill and invoice you later for the difference between your franchise and the amount of the bills.

At least that is what I do. At the beginning of the year they usually invoice me back the full about (but two months or so after the event) telling me that I have not covered the franchise amount, but as the year progresses it eventually drops down to about 10%.

Good luck with that,

Jim
Reply With Quote
  #3  
Old 19.03.2010, 07:45
Bertrand - Geneva
 
Posts: n/a
Re: How does the social assistance of health costs work?

As you have social aid, you should ask to meet a social assistant and talk of your problems with him/her. They are here to help and know very well all the stuff about that.



(I have myself a social assistant to help me and it's very helpful)
Reply With Quote
  #4  
Old 19.03.2010, 11:01
Mélusine's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: Lutry
Posts: 3,957
Groaned at 32 Times in 27 Posts
Thanked 5,673 Times in 2,271 Posts
Mélusine has a reputation beyond reputeMélusine has a reputation beyond reputeMélusine has a reputation beyond reputeMélusine has a reputation beyond reputeMélusine has a reputation beyond reputeMélusine has a reputation beyond repute
Re: How does the social assistance of health costs work?

With Assura, you have to pay for the medications yourself, and then they pay you back, which is not the case with other insurance companies where the pharmacy sends the bill directly to them.

After a certain amount (to be checked with your insurance), you stop paying the 10%.

Be aware that certain medications are considered 'hors-liste' and thus not paid back by a basic health coverage.

Normally, you have to go to the Administration (for Lausanne, it is in Chauderon) with your relevant info: income, insurance contract, and last tax form. They have tabels to calculate what percentage of your monthly insurance bill they can pay depending on how much you earn.
Reply With Quote
Reply

Tags
insurance, medical bills




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Tax deduction for travel-to-work costs ? potom Finance/banking/taxation 1 14.02.2009 15:23
Moving from the UK, Social Work opportunities? rhys Employment 2 03.09.2008 23:23
Medical costs, to help work out deductible kodokan Insurance 9 22.02.2008 00:10
Health Insurance Costs? bravesocks Insurance 8 26.10.2007 09:22
No Health Insurance and Work Permit Venkat Insurance 1 06.06.2007 19:15


All times are GMT +2. The time now is 05:01.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2022, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0