My were on prescription too. They told me at the pharmacy the weren't covered an I got a bill in the post. I sent the receipt to my insurance company -just in case- and they said they're not covered.
Checked again and I think indeed the vitamins were covered under the complementary insurance.
Cheers,
K
If only we could all plan our pregnancies to fall within 1 calendar year
This time around I got pregnant in January - so only 1 year of using my deductible and paying the extra premium for a lower deductible The only disadvantage is feeling like you have been pregnant for an entire year.
You made me smile as that is exactly how I felt lasr year too Pregnant in jan -baby born Oct 10th... felt like 2008 was only BABY
Take care, only little time is left and it will be wonderful meeting the new baby!
K
My pre-natal vitamins were not covered by insurance either... they were handed to me at the doc's office, she billed us, we submitted to insurance, insurance (Concordia) paid everything except the vitamins.
Hospital (had a miscarriage ), everything was paid except my phone usage.
The "everything" was 4 nights stay, my own room (there was 2nd bed but no one in it - I imagine they have feeling and would not put a new mom with baby in the room with someone who was grieving), antibiotics and a host of pain meds, meals, visits from nurses, midwives, doctors, pictures of baby ( ) and ultimately the most on-going so far... specialists who help with the psychological effects which seem to be not only for women in my position but they help new mothers, women dealing with cancer and other problems that women deal with.
I'm sorry, I hadn't intended to turn this thread chock full of happy news into something morbid... I'd merely wanted to pass along my experience that even when things didn't go right, both the team at the hospital AND my health insurance were both fantastic in coverage and support.
I tought that midwife visit are fully covered my basic insurance and wouldn`t fall under the deductible (10 visits/days after the birth -the days that I`ll stay in hospital)
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This is for Mums to be in Lausanne:
http://www.aiwc-lausanne.org/downloa...Mums_To_Be.pdf
I olny wish that there would be something similar for mus in Geneva
With my insurance (Groupe Mutuel) the midwives visit fell under the deductible.
Cheers,
K
This doesn't include surgery/hospital stays prior to the birth. These are included in the franchise -according to my insurer. (Just got a wee surprise on my bank statement.)
That's really bad. What about if you are admitted to hospital for pre-term labour? I spent 8 days in hospital recently. I hope I don't have to pay 10%
Hmm, I'm not sure. I was in for a week at 16 weeks (def preg related) in July and the 2500chf came out of my account last week. When I asked them about it that's what they said. I would check with them, just in case. I hadn't worried about my high franchise as I thought everything was covered.
So, because I was still quite confused I contacted the insurance Ombudsman to clear it up. They said there are 2 areas of pregnancy cover under basic insurance, Special benefits for maternity (covered 100% by basic insurance and not included in franchise) and Complications of pregnancy (included in franchise +10% with a max of 700CHF per year above the franchise).
Special benefits for maternity includes: 7 normal controls before birth, hospital stay for birth (up to 5 days -more than 5 days the hospital needs to justify the longer stay), midwife after birth (up to 10 days total incl. number of days in hospital ie. 4days in hospital +6midwife visits), 1 after birth control Complications of pregnancy includes: prenatal vitamins, DVT stockings, hospital stay/special procedures before birth, extra (>7 ) controls for complicated pregnancy extra (>1) after birth control (Some of these can be covered by supplementary/extra insurance)
He also said that once you leave hospital after birth, if you need to go back it will come under the franchise so don't leave until you are sure everything is ok (doesn't matter if you have a low franchise or have paid it already)
(If I have got anything wrong here, feel free to correct me, I took notes while I was talking to the man but can be I mixed something up)
More detailed info is here (in german): Articles 13 to 16 of the Health Care Benefits Ordinance
In my case, the midwifes visits were subject to franchise as was the breast pump.
If you were to go back in hospital, and you had already paid your frnachise, you would not be subject to franchise again... it is paid 1 times during the year. You would of course pay 10% of costs.
Cheers,
K
Here's something to look forward to; most medical schemes, reward you for breastfeeding, its under StillGeld
This is true. I was sent home from hospital only to end up back there 4 days later for an operation with both kids I had to pay 10%. I'm a complicated pregnant person who thankfully needed no medical help with birth this time. My little girl arrived < 10 mins after we got to the birthing room
Yes, this is typically under the Supplementary insurance and varies from company to company.
Mine, I had to provide a certificate from my hebamme/doctor that showed I breastfed for at least 30 days. I then got 200 CHF
Cheers,
K
What's the typical cost for pre-natal classes and where are they organized?
And what about the nutrionnist bills - are they covered?
I am currently on CHF 2500 Franchise and 6 months pregnant. Just wondering if it would be worth it to decrease my franchise now? Because I’ll be needing the post-natal visits from the midwives?
Does anybody know if it’s my first baby, do I get 10 midwife visits or 16 visits?
Thanks!
Have a look here . You don't have to pay anything out of your franchise for the midwife. For a first child, she may visit you up to 16 times within 56 days after the birth. Even more if prescribed by a doctor. On top of that you can get up to 3 breastfeeding consultations payed for.
Anyway, you can only change your franchise at the beginning of the calendar year so you are too late.
[edit] Please note that this thread is outdated! The system has changed since 2009: currently even complications of pregnancy (actually any type of medical treatment) is covered without need of using your franchise from 13 weeks of pregnancy until 8 weeks after the birth. There is no more payment for breastfeeding ('stillgeld') from your basic insurance. Possibly from some supplementary ones.
Very helpful. Thank you!!