Costs of seeing a doctor without health insurance

56 posts in this topic

Posted

Ok, so here is the situation. I am starting a job February 1st, so I won't have German Health coverage till then.

I currently have Canadian coverage, so if I need something I pay for it then send them a form with receipts etc.

Until now I have been perfectly healthy, but am currently under the weather and contemplating going to see a doc.

Just to save myself some time, and possibly some pain, I just wanted to get an idea of how much it will cost to get checked out?

And I am guessing, probably a proscription of antibiotics?

Anyone have any idea about how much I should expect to pay?

Thanks

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Posted

A visit to the Doctors for just a quick look usually costs me about €20-€25. Plus the cost of any prescibed medication, which can be anything, except cheap.

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Posted

Really? Is that without German Health coverage?

Thanks Allerhausen!

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Posted

go during the week, if you go on the weekend you will get extra costs for a weekend visit or afterhours visit.

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Posted

A private prescription for 10 days of antibiotics just cost me 28 Euro. Beware if they want to do tons of blood testing, lab work costs a lot if you are considered private.

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Posted

Beware if they want to do tons of blood testing, lab work costs a lot if you are considered private.

They see the opportunity to restore their financial success...

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Posted

Really? Is that without German Health coverage?

Thanks Allerhausen!

Likewise I am curious. Is this with or without health insurance? A doctors visit here in the US costs at least $90-$120.

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Posted

I would have estimated more than that. Especially if the doctor has to do any test, take swabs which have to go to the lab etc.

I would budget €50 - €70 to be on the safe side

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Posted

Yup. I had to take my daughter to see a doctor for a quick check up and to sign a form for kindergarten. Cost 19 euros.

Good deal IMO

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Posted

Likewise I am curious. Is this with or without health insurance? A doctors visit here in the US costs at least $90-$120.

Because the OP pm'd me I answered his question that way, but it's no big secret. I'm insured with German private medical insurance, so the bills are sent to me and I claim them back from the insurance.

As I said in my original post, €20-€25 is for a quick look, a bit of the old stethoscope to chest and cough, cough. Obviously if any tests are done it costs more, as Cartooncat says that can cost just as much if not more than the visit. The point is though that a simple visit to the quack will not put you in the poor house, however you should have medical insurance simply because you never know!

Prescription charges can be really expensive though.

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Posted

Also remember to ask for the generic version of anything they prescribe you. Same ingredients, different brand name. Cheaper.

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Posted

according to the law nowadays doctors should always offer you the least expensive durgs/prescriptions but of course for a layman that is hard to figure out and sinc the pharmacy pays kinda bribes to the doctors and pharmacists you often end up with the more expensive drug if you do not specifically ask for generica.

According to my experience, a very comprehensive check including blood and urin testing like is usually required for applying with a German private health insurance costs between 70-120 EUR but this really covers a lot of checking. If you just need to get a check for a particular ailment you fell needs treatment, costs will most likely way below 50.- EUR. Lab-test will be added, though.

If you need a doctor in the larger Munich area to check and treat you in the evening or Saturdays, let me know since I established a cooperation with one in Starnberg for all my clients in need of med-checks for insurance application who do not have time to go during business hours...

Cheerio

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Posted

also, just a note, as many of you know, there is the emergency house-call doctor service. I got really ill one night and had to call one before I had my German insurance set up. The bill came to about 80€

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Posted

I wiped out on the street one night in Berlin and had to go to the emergency room. Like a dumbass I didn't have any papers on me: no insurance, no passport ... The graveyard shift doctors were obviously in need of some amusement, as they joked around with me, leading me to think it would be expensive, as I was standing there bleeding all over the place. X-Rays, 7 stitches in my elbow, a tetanus shot in each cheek, and some painkillers to go all cost me a total of 45 euro.

When I went to get the stitches out (in Halle), no charge. The nurse couldn't be bothered.

I love Germany.

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Posted

I went to my Hausarzt for a general physical exam, and it was only €60 without any lab work. My private German insurance didn't cover that, but the premium was really cheap anyway: €60/month.

As an addenda to this thread, does anyone know how much a visit to the OB/GYN for a routine check costs? I have this new insurance now that has different deductibles for out-patient treatments, and I need to make some decisions about my upgrade.

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Posted

Just as a follow up, seeing the Doc, and her telling me what I already knew was wrong, and giving me 3 perscriptions (one for acedominophen for crap sake) cost me 109€, and then 35€ for the actual prescriptions!

What an expensive day : (

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Posted

That sounds like a lot of money. I agree with Allershausen; a consultation should cost around €23.

On one occasion I had to go to a specialist about a cough that wouldn't go away. Three X-rays, a blood test, breathing tests in a decompression chamber followed by a consultation with the doctor, over a period of about two hours. I was staggered when they presented me with an invoice for under €100.

Prescription charges will vary enormously depending on what has been prescribed; €7 is the lowest amount I've had to pay for one item and €45 the highest.

Of course these low prices shouldn't be used as a reason not to be insured – I only know the prices because I pay upfront and reclaim later.

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Posted

Hi there,

I need to go to a doctor in Freiburg and i have no health insurance. ( yes i know this seems stupid) How much can i expect to pay, if they will take me at all?

Health insurance... No public company company will touch me...and i just don't no where to turn for insurance. Any help would be greatly appreciated.

Cheers

Dave

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