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Are you wondering whether the treatment at the psychologist or psychiatrist is reimbursed? Then it is important to pay attention to various points, such as a referral letter from the general practitioner and whether the practitioner has a contract with a health insurer.
When looking for the cheapest health insurance, it can also be a challenge to find the right balance between the premium amount and the deductible. The health insurance with the cheapest policy is not the cheapest option for everyone.
That is why it is important to first clarify which care you are expected to use. This way you can take out the cheapest health insurance based on this information and your personal wishes.
GGZ in the basic insurance
For many it is important to know whether mental health care (GGZ) is included in the basic insurance. You may be considering treatment, but first want to know whether the costs will be reimbursed.
It can save you a lot of money by first finding out which treatment you would like to do and with which healthcare provider. If the treatment falls under basic or specialized mental health care, it will be reimbursed. You do need a referral from your GP for this.
Also keep in mind that the amount is deducted from your deductible. Do you also take medication for your mental health? Then you will be reimbursed in some cases, but not always. So that is a point to keep in mind when you use the GGZ.
In addition, make sure that you are undergoing treatment with a care provider who has a contract with your health insurer, otherwise you will still have to pay part or all of it yourself. It is also examined per treatment process whether it is reimbursed. Usually the first course is reimbursed, but follow-up treatments are not always reimbursed.
The cheapest health insurance tailored to your situation
Are you looking for the cheapest health insurance? That does not mean that you only look at the price and that the health insurance with the lowest monthly amount is the cheapest option for you. It is understandable that you do not want to pay for care that you do not need, but saving on care that you do need can actually cost more in the end.
If you already know in advance what care you will need for the coming year, it can help you find the cheapest health insurance. Moreover, it is important to do a health care policy check every year.
Policy amounts and conditions are determined anew every year, which means that the cheapest health insurance policy can differ from year to year.
When choosing an insurance policy, it is also important to look at the conditions in the policy and the coverage that the insurance offers. For someone who needs regular care or takes a lot of medication, it can be cheaper to opt for a policy with a higher monthly amount and a lower deductible. Even if you are expecting a child, it may be worthwhile to switch to a different health insurance policy. As a woman, you need more care during pregnancy, childbirth and the maternity period and it can be beneficial for you if you switch health insurance.
By comparing health insurance policies with each other, you can find out what the cheapest health insurance policy is for your situation. In addition, some insurers offer the option of paying the premium on an annual basis, whereby you can receive a payment discount of up to 3%. This way your health insurance can work out even cheaper.
Jenny
Together with Vanessa I am the owner of this website Good food Healthy living. I myself struggled with my health and weight for a while and I was looking for more information. Actually, this website started as a great search for what could be right for me. How could I feel healthier and fitter? I’ve been reading a lot about this. Vanessa already knew a lot about nutrition and often told me about it. We thought it was fun to share, that’s why we started this blog. This website is our passion. All information is supplementary, not a replacement for regular medicine!
