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Old 06.03.2012, 16:15
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Contraception Question

I'm sure I've attracted a lot of gawkers with the title but I hope that whomever is looking has the answer and can help me out.

I have really good health insurance... I think! Most things are covered and I usually pay the health provider directly and claim back from my insurance provider. I always get very detailed bills in the mail from the health provider that includes the date and details of the visit.

When I recently got the Mirena fitted as contraception, my doctor told me that I had to pay cash - 600chf(!!!). I asked why this is and she explained "the insurance doesn't cover it". And I explained that mine probably will. Anyway I paid the cash but asked for a receipt... and I got a hastily written receipt on a tiny scrap of paper...nothing like the stuff I get in the mail.

Does anyone have any ideas why this would be? I've been digging around and no one seems to know or understand. Am I the only one that had this experience?
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Old 06.03.2012, 16:17
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Re: Contraception Question

Catholicism?
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Old 06.03.2012, 16:21
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Re: Contraception Question

You really think that is it? I had wondered but I thought... surely it can't be so oppressive that they don't want to have it on their book of business. Maybe that is it... they just don't want any association at all.

How very 1950s of them. :-)
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Old 06.03.2012, 16:23
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Re: Contraception Question

Why don't you speak to your insurance?
Doesn't sound right to me anyway, NEVER EVER PAY CASH FOR ANYTHING! Sounded a bit patronising there sorry, I would recommend not to pay cash if you're not sure
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Old 06.03.2012, 16:25
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Re: Contraception Question

My wife was prescribed the contraceptive pill for non-birth-control reasons. The pharmacist demanded payment, rather than putting it through our insurer, because as far as he's concerned, it's for contraception, and that you have pay for yourself.

You need to check if your insurer really does cover contraception, as it isn't usual.
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Old 06.03.2012, 16:31
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Re: Contraception Question

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Catholicism?
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You really think that is it? I had wondered but I thought... surely it can't be so oppressive that they don't want to have it on their book of business. Maybe that is it... they just don't want any association at all.

How very 1950s of them. :-)
Who knows? I don't know what the the dominant persuasion is in your part of the world, but I was somewhat tongue-in-cheek throwing it up as a suggestion, as it wouldn't have surprised me where I am.

Just as likely, is their complete belief that you wont get refunded by your insurance, and they were just humouring you with a hand written receipt on a scrap of paper.

As suggested, speak with your insurers and if necessary return to the doctors and ask for an official receipt, even if they try to charge you a small admin. fee (also wouldn't surprise me).
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Old 06.03.2012, 16:32
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Re: Contraception Question

As far as I know, health care does not pay for contraception. When I got my Mirena I had to pay for it myself too. However, the doctor had enough trust in me to send me a bill and I did not have to walk around with CHF 500 (your doctor seems to add a Zug bonus to the bill) in my pocket.
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Old 06.03.2012, 16:38
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Re: Contraception Question

I understand that this is not normally covered by health insurance in Switzerland.

I don't think Mirena is worth the hassle myself as a partner. If you start experiencing side effects then get rid. Google it. On the plus side I know of someone who had one fitted, removed it, got pregnant straight away without issues.
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Old 06.03.2012, 16:45
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Re: Contraception Question

Hi... thanks for answers. Sorry it's not whether my insurance covers it or not... they do cover most of it.

It was the fact that I was told I had to pay cash and got such a furtively written receipt... only when I insisted I need one. Yes I thought it was shady and that's why I'm asking here... but frankly at the time it was like... OK this is a better option than the others I can think of.

The catholicism bit makes sense. I guess if it's that embedded then they don't want official records that they provided this service. Just was curious then if others had similar experience... sounds like it! :-)
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Old 06.03.2012, 16:46
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Re: Contraception Question

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As far as I know, health care does not pay for contraception. When I got my Mirena I had to pay for it myself too. However, the doctor had enough trust in me to send me a bill and I did not have to walk around with CHF 500 (your doctor seems to add a Zug bonus to the bill) in my pocket.
LOL thanks... I definitely do think she got a Zug bonus. Interesting to note.
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Old 06.03.2012, 19:22
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Re: Contraception Question

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Hi... thanks for answers. Sorry it's not whether my insurance covers it or not... they do cover most of it.

It was the fact that I was told I had to pay cash and got such a furtively written receipt... only when I insisted I need one. Yes I thought it was shady and that's why I'm asking here... but frankly at the time it was like... OK this is a better option than the others I can think of.

The catholicism bit makes sense. I guess if it's that embedded then they don't want official records that they provided this service. Just was curious then if others had similar experience... sounds like it! :-)
Just curious which insurance you have? Even the highest cost supplement with my company wouldn't cover "anti-baby" procedures (pills, inserts)
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Old 06.03.2012, 19:27
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Re: Contraception Question

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Just curious which insurance you have? Even the highest cost supplement with my company wouldn't cover "anti-baby" procedures (pills, inserts)
Aetna Global Benefits - US based. I haven't made the claim yet... but been told it will be mostly covered. I will make sure and come back to you if that is NOT the case. As well as making a big stink about it to them.
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Old 06.03.2012, 19:30
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Re: Contraception Question

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As far as I know, health care does not pay for contraception. When I got my Mirena I had to pay for it myself too. However, the doctor had enough trust in me to send me a bill and I did not have to walk around with CHF 500 (your doctor seems to add a Zug bonus to the bill) in my pocket.
Thanks TexasLynette - yes that is the odd thing. She has billed me in the past and I pay very promptly... some very large bills actually. I think she must not want it in her official records or something or payment processing that she offers these services. Odd - which is what led to my initial post. Thanks again.
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Old 06.03.2012, 19:37
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Re: Contraception Question

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Aetna Global Benefits - US based. I haven't made the claim yet... but been told it will be mostly covered. I will make sure and come back to you if that is NOT the case. As well as making a big stink about it to them.
Your doctor can't know that your US insurance company will pay for it. As far as she knows it's not covered in Switzerland.


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Thanks TexasLynette - yes that is the odd thing. She has billed me in the past and I pay very promptly... some very large bills actually. I think she must not want it in her official records or something or payment processing that she offers these services. Odd - which is what led to my initial post. Thanks again.
When things are paid by insurance it is normal that the bill is sent to you. If it is not covered by insurance then you are asked to pay up front. That is the same thing that happens at the pharmacy. The drugs that are covered by insurance are billed while anything that is not covered I pay up front.

Again, since this is not covered under Swiss insurance this is normal for your doctor.

You can also bet that she is putting this on her "official records". I'm sure she's not the one who deals with the billing but her secretary. I'm sorry that you are building all these conspiracy theories in you mind. LOL Nothing sinister or "catholic" going on. So don't worry.
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Old 06.03.2012, 20:52
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Re: Contraception Question

I had exactly the same thing with my gyno over the coil although I don't remember whether she expected cash. As I am British she suggest I go home and get it done on the NHS whilst back on my summer vacation, until I pointed out that as a non resident I'm not entitled and I'm not going to start lying to the doctor. In the end my old family doctor in the UK did it outside the NHS - I paid 80 fir the fitting and 120 for the device, quite a lot less than the 700chf it would have cost to do here.

It seems that no contraception is covered by insurance but terminations if pregnancy are so I don't think it can be a catholic thing.
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Old 06.03.2012, 21:06
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Re: Contraception Question

Just out of curiosity, are men's vasectomies covered? It's usually a minor surgical thing, done on an outpatient basis. I'm guessing those and viagra are both covered on Swiss health plans as they are most places where female contraception aren't, but I'm open to be surprised.
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Old 06.03.2012, 21:57
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Re: Contraception Question

Actually, upon further thought...probably the reason why many doctors want cash for female contraception is, not only is it not covered by health insurance, but in a country where so many women are domestics who rely on their husband for their income, they have probably billed and gotten stiffed many times over and, so...require the women to pay cash upon delivery to ensure that they get paid. It's good to be a man in a man's world sometimes.
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Old 06.03.2012, 22:19
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Re: Contraception Question

No, neither vasectomies nor female sterilisation is covered by Swiss health insurance. That is according to my Dr.

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Just out of curiosity, are men's vasectomies covered? It's usually a minor surgical thing, done on an outpatient basis. I'm guessing those and viagra are both covered on Swiss health plans as they are most places where female contraception aren't, but I'm open to be surprised.
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Old 06.03.2012, 22:49
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Re: Contraception Question

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No, neither vasectomies nor female sterilisation is covered by Swiss health insurance. That is according to my Dr.
A vesectomy isn't sterilisation, neither is female birth control as one is surgical and reversible, the other is orally ingested hormones to control fertility. If it isn't covered, I'd be curious to know the price as I'd bet it's less than 600chf. And what about viagra?
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Old 06.03.2012, 22:55
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Re: Contraception Question

Vasectomy is rarely reversible, and even less so after more than a few years- a fact made very clear by most surgeons who perform this op.
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