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Schufaeintrag-Infos » 2008 » Juli
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Archive for Juli, 2008

Abrechnung von ambulanten Behandlungen

Dienstag, Juli 29th, 2008

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Im Gegensatz zu einer gesetzlichen Krankenkasse, die nach dem Sachleistungsprinzip agiert, rechnet die private Krankenkasse nach dem Kostenerstattungsprinzip ab. Die gesetzliche Krankenkasse rechnet direkt mit demjenigen ab, der die Leistung erbringt, also dem behandelten Arzt oder Therapeut, erstattet jedoch nur die vorgeschriebenen Leistungen. Die private Krankenkasse hingegen erstattet die Kosten, die sich aus der eingereichten Rechnung ergeben und rechnet mit dem Versicherungsnehmer ab.

Grundlage für die Abrechnung einer ambulanten Behandlung ist somit die Rechnung, die der Arzt auf den Namen des Versicherungsnehmers ausstellt. Der Versicherte stimmt bei seinem Arztbesuch die Therapie und die Vorgehensweise mit dem behandelten Arzt individuell ab. Anhand dieser Vereinbarungen erstellt der Arzt eine Rechnung an den Versicherungsnehmer als seinen Vertragspartner. Der Versicherungsnehmer reicht diese Rechnung bei seiner Versicherung ein, die die Rechnung prüft und den Rechnungsbetrag, je nach abgeschlossenem Vertrag vollständig oder anteilig auf das Konto des Versicherungsnehmers erstattet. Da ein Großteil der Arztrechnungen erst nach einem gewissen Zeitraum, meist vier Wochen, fällig ist, die private Krankenkasse den Rechnungsbetrag jedoch unmittelbar nach der Prüfung erstattet, kann der Versicherungsnehmer die Arztbrechung begleichen, ohne in Vorleistung gehen zu müssen. Eine anteilige Kostenerstattung findet dann statt, wenn der abgeschlossene Vertrag eine Selbstbeteiligung durch den Versicherten oder eine Kostenerstattung nur in festgelegter Höhe enthält. Wichtig zu wissen ist, dass der Versicherungsnehmer als Rechnungsempfänger die Rechnung in jedem Fall bezahlen muss, auch wenn die Krankenversicherung die Kostenübernahme ablehnen sollte. Benötigt der Versicherungsnehmer Medikamente, kauft er diese und die reicht die Quittung darüber bei der Versicherung ein, die den Betrag im Anschluss auf sein Konto überweist. Das Kostenerstattungsprinzip mag zunächst aufwendig erscheinen, bietet jedoch den Vorteil der vollständig möglichen Kontrolle der Kosten. Zudem wird die Rechnung anhand der vereinbarten Leistungen erstellt, wodurch wiederum eine individuelle Abstimmung der benötigten Behandlungsweise möglich wird.

weiterführende Informationen

Donnerstag, Juli 10th, 2008

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Um die zahlreichen Fragen, die per eMail gestellt werden, in etwas geordnetere Bahnen zu lenken, gebe ich an dieser Stelle ein paar Querverweise an andere Informationesquellen. Ein Kredit ohne Einkommen ist ohnehin nicht die beste Idee,  selbst wenn so etwas klappt, kommt es der Teilnahme an der Glücksspirale doch sehr nahe. In den USA wird werden gerade das $5000 Personal Loan und Payday Loan Credits stark nachgefragt -  in Deutschland, wo die geförderte Altersvorsorge so wichtig ist, haben Sofortkredite noch nicht den gleichen Stellenwert wir dort erreicht. Kann aber noch kommen.



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