Questions about benefits
BARMER is committed to offering flexible solutions and innovative forms of care.
Here you’ll find the answers to the most questions about our benefits.
If your physician prescribes medication, you will be given a prescription. Prescriptions are usually pink in colour, valid for 28 days after the doctor has issued them and are required to be given at the pharmacy. In rare cases there are also yellow prescriptions, for example when strong painkillers have been prescribed. These prescriptions are only valid for seven days after they have been issued by a physician and are also required to be given at the pharmacy. There are also these green prescriptions. These prescriptions are green or blue in colour and are valid for an unlimited period of time (green) or three months (blue) and the amount paid for these medicines is not taken over by the health insurance.
One has to pay an additional amount for medications. This is 10 percent of the cost of the medication, but never more than the cost of the medicine – minimum 5 euros, maximum 10 euros. There are medications that cost even more, but your pharmacy will advise you about the cheaper alternatives. If you need medication regularly, you can be exempted from the additional payment. During pregnancy, as a member of BARMER you will also receive additional medication that you would normally have to pay for by yourself. For individual questions, please call us on 0800 333 00 60.
In all EU countries and in some other countries, the European Health Insurance Card (EHIC) helps to ensure the necessary treatment in case of an emergency. You will find this on the back of your electronic health card (eGK). So always take your electronic health card with you when you travel! There are also special foreign health insurance certificates for a few other countries.
Outside Europe, it is essential to take out private travel health insurance, as BARMER cannot provide any cover. However, additional private travel health insurance can be a good idea within Europe as well. For example, high deductibles typical for some countries (e.g. for inpatient hospital treatment), return transport, etc. cannot be charged to BARMER via the EHIC.
Homeopathic treatment is becoming more and more significant. BARMER offers its policyholders nationwide a contract with highly qualified doctors working in homeopathy. Explain that you wish to participate in this directly in the doctor’s practice and the homeopath will become your new GP. Your contact at BARMER will be happy to advise you in advance about the terms of the contract.
Acupuncture for the treatment of chronic lumbar spine pain and chronic knee joint pain caused by knee osteoarthritis is service provided by BARMER. BARMER covers the costs of ten acupuncture sessions with a licensed physician for these two diagnoses if the symptoms have persisted for at least six months. In exceptional cases, five further sessions are possible. Further acupuncture sessions for the treatment of chronic lumbar spine pain and chronic knee joint pain caused by knee osteoarthritis are covered by BARMER after twelve months. For all other diagnoses, acupuncture must be paid for by yourself and cannot be reimbursed.
Ayurvedic treatments are not covered by statutory health insurance.
BARMER covers many different preventive tests that you can take advantage of. You do not need a referral for the tests, even if you consult a specialist. Simply present your insurance card and you will not be charged anything at all. For example:
• Health check from 35 years of age every two years by a general practitioner or internist.
• Gynaecological tests for early cancer detection for women aged 20 and above by gynaecologists and obstetricians. 30 years onwards, the examination also includes an examination of the female breast.
• Skin cancer screening every two years for all policyholders over 35 years of age by a GP or dermatologist. In addition, BARMER will cover a skin check by a dermatologist for all policyholders up to the age of 34. Your personal consultant can inform you about the specific scope of services.