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  #21  
Old 29.03.2016, 18:26
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Re: Health insurance - GP model - do we have to choose a doctor?

Just to confuse the discussion further.. We have the model where you name the GP .. However in practice, my insurer has never questioned when I've just gone to another doctor or a specialist..For example I just went straight to dermatologist when i had a question, insurer paid.. Another time my GP was on holiday, I went to a local health centre, they said I should get a check up with a cardio, which I did.. All covered by the insurer without seeing the GP first.

Changing GP was as simple as sending a message via the insurer website when my wife wanted to change.

The kids used to have a Paediatrician but we didn't like her so the kids just see the wife's GP now (she has a different GP to me).. Billing wise, we never see a bill for the kids, they have zero excess and everything from vaccinations to a runny nose is simply dealt with between the GP and the insurance.

It all works seamlessly .. Probably we don't have the cheapest policy but it just works, maybe cheapest isn't always best.
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  #22  
Old 29.03.2016, 18:56
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Re: Health insurance - GP model - do we have to choose a doctor?

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Just to confuse the discussion further.. We have the model where you name the GP .. However in practice, my insurer has never questioned when I've just gone to another doctor or a specialist..For example I just went straight to dermatologist when i had a question, insurer paid.. Another time my GP was on holiday, I went to a local health centre, they said I should get a check up with a cardio, which I did.. All covered by the insurer without seeing the GP first.

Changing GP was as simple as sending a message via the insurer website when my wife wanted to change.

The kids used to have a Paediatrician but we didn't like her so the kids just see the wife's GP now (she has a different GP to me).. Billing wise, we never see a bill for the kids, they have zero excess and everything from vaccinations to a runny nose is simply dealt with between the GP and the insurance.

It all works seamlessly .. Probably we don't have the cheapest policy but it just works, maybe cheapest isn't always best.
Similar experience here. In theory we have the GP model but they've never questioned visits to specialists/other doctors and always paid up. I also changed GP without issue.
Our son saw a paediatrician once when we first moved here as he needed a vaccine but he's been to the same GP as me since then as she retired. He was 11 when we moved here and it was the only time he'd ever been to a paediatrician and from what I can tell they're basically a GP for kids.

Do you not get a bill for the 10% for the kids? I thought you had to pay that even with a zero excess.
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  #23  
Old 29.03.2016, 19:03
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Re: Health insurance - GP model - do we have to choose a doctor?

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Similar experience here. In theory we have the GP model but they've never questioned visits to specialists/other doctors and always paid up. I also changed GP without issue.
Our son saw a paediatrician once when we first moved here as he needed a vaccine but he's been to the same GP as me since then as she retired. He was 11 when we moved here and it was the only time he'd ever been to a paediatrician and from what I can tell they're basically a GP for kids.

Do you not get a bill for the 10% for the kids? I thought you had to pay that even with a zero excess.
Yeah I probably over simplified a bit there, I never get a physical bill, I get an email telling me insurer has sent request to my bank for payment, I go to my online bank and I can open a PDF with details or just hit approve

I can log on to the insurer and see all of the historic stuff if i want etc. Just no orange slips.
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  #24  
Old 29.03.2016, 19:13
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Re: Health insurance - GP model - do we have to choose a doctor?

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Yeah I probably over simplified a bit there, I never get a physical bill, I get an email telling me insurer has sent request to my bank for payment, I go to my online bank and I can open a PDF with details or just hit approve

I can log on to the insurer and see all of the historic stuff if i want etc. Just no orange slips.
Ah ok that makes sense. We have e-billing for our health insurance too so I never actually see a physical bill either.

I was about to get all uppity about having to pay the 10% for a minute there.
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Old 29.03.2016, 19:34
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Re: Health insurance - GP model - do we have to choose a doctor?

Does anyone remember what is the ceiling for the 10%?
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  #26  
Old 29.03.2016, 19:35
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Re: Health insurance - GP model - do we have to choose a doctor?

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Does anyone remember what is the ceiling for the 10%?
I think I read 700.- somewhere in my documents?
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  #27  
Old 29.03.2016, 19:49
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Re: Health insurance - GP model - do we have to choose a doctor?

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Does anyone remember what is the ceiling for the 10%?
Posted just yesterday - but I will guide you...

from this thread: Health Insurance FAQs
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Old 29.03.2016, 20:19
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Re: Health insurance - GP model - do we have to choose a doctor?

Yes, 700 out of pocket corresponding to 7000 in covered charges.
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  #29  
Old 29.03.2016, 20:27
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Re: Health insurance - GP model - do we have to choose a doctor?

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Posted just yesterday - but I will guide you...

from this thread: Health Insurance FAQs

LOL thanks -as you know, been a bit busy and ... lately. Home tomorrow!

I think I've easily gone over the limit this time!
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  #30  
Old 29.03.2016, 20:31
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Re: Health insurance - GP model - do we have to choose a doctor?

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LOL thanks -as you know, been a bit busy and ... lately. Home tomorrow!

I think I've easily gone over the limit this time!
No problem.
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