Monday, June 16, 2008

No health insurance card necessary

I mentioned earlier that Marion got an ear infection the day we moved.

Well, its been 2-3 weeks. Time to take her in for an ear check and make sure the ear infection is gone.

I received some recommendations for an English speaking pediatrician and made the call today. I booked an appointment for tomorrow morning at 9 am and was told to come early to fill out new patient paperwork.

Okay, par for the course so far. Typical new patient protocol.

Next thing I did was to email Brian and ask that he print out our temporary insurance cards so that I could take them with me tomorrow.

Well, he looked into it and, due to Aetna's timetable (longer than we would like, same as in the US), we won't have them until Wednesday. Shoot.

So I called the doctor's office back and let them know the situation so that we could reschedule.

And they said, "It's okay, we will see you tomorrow."


Yep, that's right. They are going to administer health care without proof of insurance.

I'm stunned. We had to show our health insurance card every time at our old pediatrician, even if the information hadn't changed. And if you didn't have it with you, sometimes the nurses would give you an attitude about it.

But there's a catch. There always is.

The doctor's office will bill us for the visit. We then have to pay them and submit the bill to insurance for reimbursement.

And not because we don't have our insurance cards. This is typical procedure for all doctor appointments we make here- pediatrician, dentist, etc.

Yikes. That could add up fast.


Liz said...

Don't worry most doctors only bill quarterly, so depending on when you see the doctor, it could be up to 3 months before you receive the bill! And if it is something really expensive, you can always break the payments up into manageable chunks.

mrsmac said...

liz- sweet! that's awesome! thankf for clearing that up! :-)

Hoppy said...

CONGRATULATIONS!!!! Zurich has once again been voted the world's number 1 city to live in! Hope you are enjoying it! Love to all.