Am in a bit of a quandary: it looks like I will have to consult a cardiologist for a checkup which could include an ecg (ekg), a holter test, a treadmill test, tests to check lipid levels, b.p. etc. I know that in Switzerland my insurance company will pay the bills and then bill me until I 'breach' the 2500 chf level. I wanted to know if it would be cheaper if I went to France instead and paid it all out of my own pocket and whether I would have to go through a GP first or whether I could just go straight to a cardiologist or a public hospital which has a cardiology department. All help and advice in this regard is greatly appreciated.
Am in a bit of a quandary: it looks like I will have to consult a cardiologist for a checkup which could include an ecg (ekg), a holter test, a treadmill test, tests to check lipid levels, b.p. etc. I know that in Switzerland my insurance company will pay the bills and then bill me until I 'breach' the 2500 chf level. I wanted to know if it would be cheaper if I went to France instead and paid it all out of my own pocket and whether I would have to go through a GP first or whether I could just go straight to a cardiologist or a public hospital which has a cardiology department. All help and advice in this regard is greatly appreciated.
isaac bJan 25, 2015 @ 21:17
Isaac,
This world is indeed a crazy place when money is more important than health.
When your heart stops for good, you won't be doing any more calculating!
That said, worrying about money surely makes us sick in the first place.
My advice, try to find a GOOD doctor. Your heart, or any other body part contributing to brain function, has to be something that you would want to invest in.
Isaac,
This world is indeed a crazy place when money is more important than health.
When your heart stops for good, you won't be doing any more calculating!
That said, worrying about money surely makes us sick in the first place.
My advice, try to find a GOOD doctor. Your heart, or any other body part contributing to brain function, has to be something that you would want to invest in.
Carrie O, Jan 26, 2015 @ 03:19
There is good hospital with a reputable name in Annemasse : best to give them a telephone call and ask them if this would be possible, whereafter you could ask the price. FYI, just come home from having an MRI [IRM en francais] which has cost me €90.-- It's not the same of course, but might put the cost into perspective. Yes health is more important than the cost, but why not save a little if you can?
There is good hospital with a reputable name in Annemasse : best to give them a telephone call and ask them if this would be possible, whereafter you could ask the price. FYI, just come home from having an MRI [IRM en francais] which has cost me €90.-- It's not the same of course, but might put the cost into perspective. Yes health is more important than the cost, but why not save a little if you can?
sheila c, Jan 26, 2015 @ 13:17
Thank you for the info. I googled the hospital and I think you are referring to the Centre hospitalier Annemasse-Bonville? I have writtento them so lets see what they say. Btw, are you on a French health insurance or a Swiss one? Thanks again.
Thank you for the info. I googled the hospital and I think you are referring to the Centre hospitalier Annemasse-Bonville? I have writtento them so lets see what they say. Btw, are you on a French health insurance or a Swiss one? Thanks again.
isaac b, Jan 26, 2015 @ 14:02
Thank you for the info. I googled the hospital and I think you are referring to the Centre hospitalier Annemasse-Bonville? I have writtento them so lets see what they say. Btw, are you on a French health insurance or a Swiss one? Thanks again.
Jan 26, 15 14:02
French - we live in Evian
here is a list of cardiologists in Geneva.
http://geneva.angloinfo.com/af/773/geneva-cardiologists-and-heart-specialists.html
You could maybe contact a couple of them and ask how much it would cost here?
if you are thinking of going to the French hospital above, I've no idea of their reputation, but it is a bit in the middle of nowhere so you would have to think about transport somehow if you don't have a car yourself.
here is a list of cardiologists in Geneva.
http://geneva.angloinfo.com/af/773/geneva-cardiologists-and-heart-specialists.html
You could maybe contact a couple of them and ask how much it would cost here?
if you are thinking of going to the French hospital above, I've no idea of their reputation, but it is a bit in the middle of nowhere so you would have to think about transport somehow if you don't have a car yourself.
TogJay, Jan 26, 2015 @ 15:08
oh, just an afterthought.
if you pay taxes here, you should able to get reimboursed on medical bills exceeding your franchise/deductable on the following year's tax declaration.
oh, just an afterthought.
if you pay taxes here, you should able to get reimboursed on medical bills exceeding your franchise/deductable on the following year's tax declaration.
TogJay, Jan 26, 2015 @ 15:23
oh, just an afterthought.
if you pay taxes here, you should able to get reimboursed on medical bills exceeding your franchise/deductable on the following year's tax declaration.
Jan 26, 15 15:23
TogJay, ( as well as all of you who have been so helpful!)many thanks for all the info. Switzerland suddenly seems like a more friendlier place and that yearning to be back home is disappearing!
TogJay, ( as well as all of you who have been so helpful!)many thanks for all the info. Switzerland suddenly seems like a more friendlier place and that yearning to be back home is disappearing!
isaac b, Jan 26, 2015 @ 21:15
For the tax rebate situation.
A tax rebate can be applied for, for medical bills over a certain amount if not repaid by the Swiss insurance and if ordered by a doctor practising in Switzerland.
There is a baseline for a certain amount that has to be unpaid by the insurance before you can apply for a rebate i.e. it it is not a 100% rebate of the bills. I know it is explained in the tax declaration but I can't remember the exact details. I think it also depends on your income and general situation too, the extent to which you can receive this rebate.
Maybe someone with a more mathmatical mind can explain better than me.
You could maybe also check with the tax office or your insurance about his.
For the tax rebate situation.
A tax rebate can be applied for, for medical bills over a certain amount if not repaid by the Swiss insurance and if ordered by a doctor practising in Switzerland.
There is a baseline for a certain amount that has to be unpaid by the insurance before you can apply for a rebate i.e. it it is not a 100% rebate of the bills. I know it is explained in the tax declaration but I can't remember the exact details. I think it also depends on your income and general situation too, the extent to which you can receive this rebate.
Maybe someone with a more mathmatical mind can explain better than me.
You could maybe also check with the tax office or your insurance about his.
TogJay, Jan 26, 2015 @ 22:29
A bit more accurate..
For the tax declaration instructions, it goes something like this
If you have been charged medical expenses at your expense please indicate the amount separately
We mean by medical cost to you the portion not covered by your health insurance and not supported by another organization for expenses arising from illness and accident
For Cantonal tax the portion that exceeds 0.5% of net income determined is taken into account, and for Federal Direct tax the portion that exceeds 5% of net revenue determined is taken into account.
You send no receipts-proof with the declaration but these must be kept handy to show the tax administration if they so wish.
For the insurance you claim for the amount not repaid by them at the end of the year for the year just gone.. if you see what I mean. You will generally receive a readout from them with this amount on it in the post.
A bit more accurate..
For the tax declaration instructions, it goes something like this
If you have been charged medical expenses at your expense please indicate the amount separately
We mean by medical cost to you the portion not covered by your health insurance and not supported by another organization for expenses arising from illness and accident
For Cantonal tax the portion that exceeds 0.5% of net income determined is taken into account, and for Federal Direct tax the portion that exceeds 5% of net revenue determined is taken into account.
You send no receipts-proof with the declaration but these must be kept handy to show the tax administration if they so wish.
For the insurance you claim for the amount not repaid by them at the end of the year for the year just gone.. if you see what I mean. You will generally receive a readout from them with this amount on it in the post.
TogJay, Jan 26, 2015 @ 23:54
Am in a bit of a quandary: it looks like I will have to consult a cardiologist for a checkup which could include an ecg (ekg), a holter test, a treadmill test, tests to check lipid levels, b.p. etc. I know that in Switzerland my insurance company will pay the bills and then bill me until I 'breach' the 2500 chf level. I wanted to know if it would be cheaper if I went to France instead and paid it all out of my own pocket and whether I would have to go through a GP first or whether I could just go straight to a cardiologist or a public hospital which has a cardiology department. All help and advice in this regard is greatly appreciated.
Jan 25, 15 21:17
Just to give you a price idea..
I had the full check a few months ago in Geneva. Three visits to the cardio doctor, ECG, holter, treadmil (well it was actually a bike), BP.. Whole thing. I did not get a GP referal, I just found the cardio, made appointment and went.
Cost was just over 800chf, insurance paid 90%.
But obviously check with you insurer, you might need a referal, they may not cover "check ups" etc etc.
Just to give you a price idea..
I had the full check a few months ago in Geneva. Three visits to the cardio doctor, ECG, holter, treadmil (well it was actually a bike), BP.. Whole thing. I did not get a GP referal, I just found the cardio, made appointment and went.
Cost was just over 800chf, insurance paid 90%.
But obviously check with you insurer, you might need a referal, they may not cover "check ups" etc etc.
John H, Jan 27, 2015 @ 12:16
A bit more accurate..
For the tax declaration instructions, it goes something like this
If you have been charged medical expenses at your expense please indicate the amount separately
We mean by medical cost to you the portion not covered by your health insurance and not supported by another organization for expenses arising from illness and accident
For Cantonal tax the portion that exceeds 0.5% of net income determined is taken into account, and for Federal Direct tax the portion that exceeds 5% of net revenue determined is taken into account.
You send no receipts-proof with the declaration but these must be kept handy to show the tax administration if they so wish.
For the insurance you claim for the amount not repaid by them at the end of the year for the year just gone.. if you see what I mean. You will generally receive a readout from them with this amount on it in the post.
Jan 26, 15 23:54
Thanks again! Very useful, this.
Just to give you a price idea..
I had the full check a few months ago in Geneva. Three visits to the cardio doctor, ECG, holter, treadmil (well it was actually a bike), BP.. Whole thing. I did not get a GP referal, I just found the cardio, made appointment and went.
Cost was just over 800chf, insurance paid 90%.
But obviously check with you insurer, you might need a referal, they may not cover "check ups" etc etc.
Jan 27, 15 12:16
Thanks John. Gives me a clear picture of possible costs involve. Now to the insurer...
Thanks John. Gives me a clear picture of possible costs involve. Now to the insurer...
isaac b, Jan 27, 2015 @ 18:06