If the health insurance company does not cover therapy, treatment or examinations, the patient pays out of his own pocket. For those with statutory health insurance, the question arises as to how much a visit to the doctor costs as a self-payer.
People with private insurance pay in advance for medical bills and receive the money back. If a service is used as a self-payer, the patient bears the full costs themselves.
When does self-payment occur?
This usually occurs with services that are not part of regular statutory health care. The doctor cannot bill the health insurance company and will bill you directly. The most common reasons why doctors bill patients directly are:
- Use of IGeL offers (individual health services)
- Desired services that are not covered by the health insurance company
- Statutory health insurance with a cost reimbursement model
- Private health insurance with advance benefits
The costs for a self-pay service depend on the fee schedule for doctors. All services are listed in a catalog. Every doctor has to adhere to the prices. He is obliged to send you an invoice showing all items. Remember to conclude a treatment contract for the desired measure in advance.
How much does a visit to the doctor cost as a private patient?
A consultation with your family doctor for an appointment costs between 30 and 70 euros, depending on the fee schedule, length of the conversation and any examinations. In principle, doctor’s visits are ultimately free for those with private insurance. The private health insurance will then reimburse the services as soon as the invoice has been submitted.
Going to the doctor as a self-payer – possible for patients with statutory health insurance?
If you are legally insured, your health insurance company will cover the costs of necessary treatments. If you would like special examinations or therapies for which costs are not yet covered, you can pay for them yourself. As someone with statutory health insurance, you can also go to a private practice and make use of the relevant services. The doctor concludes the treatment contract directly with you and invoices accordingly. Get a cost overview in advance to find out the exact prices for the treatments.
2024-01-13 16:54:25
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