Health insurance: Save money by requesting exemption of co-payments
The way to the pharmacy can be quite expensive, as regards the additional payments for prescribed drugs. I noticed that again in the first weeks of the year. Within 2 weeks, I already had 30, - Euro of additional payments together, because I have a chronic illness and depend on these drugs. Under certain circumstances, this can be very stressful for the "wallet" over the year.
Although it is known to many, others just do not know it yet or do not know how they can reduce these costs or even no longer have to pay. One can reduce these costs by very much or even minimize to zero. My tip!
Reduce costs or even minimize them to zero
Normally, co-payments are limited to 2% of the total annual gross income of the entire household. If someone has a chronic illness, then only 1% of the revenue in the calendar year are relevant. This requires a certificate from the attending physician, which clearly indicates when the chronic illness has existed.
In addition, there are many groups of people who, due to their income situation, have to pay little or no additional payments. These include z. B. Beneficiaries of social assistance, ALG II, basic security in old age, home residents, persons with a disability and recipients of care allowance.
For this reason, people who belong to one of these groups of people should either independently or with the help of an application for exemption from the co-payment and provide all the important documents for the health insurance, such as approval notices.
It is also important that all receipts for additional payments in the pharmacy with names and forenames are provided by them. because the KK does not recognize them otherwise.
Not only receipts for medicines, but also, medical aids that have been prescribed by a doctor, inpatient hospital treatment, etc. (more details from the relevant health insurance) can and should be attached to the application in order to avoid unnecessary queries.
I have just submitted an application to my KK and am curious what comes out. No one has money to give away, for the reason - checks your documents, asks your competent health insurance, it is still worth a try, right? Good succeed!
Bad enough when you're sick, but it does not have to be expensive for anything else, for the person who's happy he's getting better with medication. Do not do a lot of work, check it and I hope that a lot of costs can be saved.
P.S. I am not a health insurance employee and do not advertise here. On the contrary, I think that many can save on the cost, and hope it is understood as I wrote the tip !!
