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 can be filled at the pharmacy. In rare cases there are also yellow prescriptions, for example when strong painkillers are prescribed. These prescriptions are only valid for seven days after they have been issued by a physician and can be filled at the pharmacy. Non-refundable prescriptions are green or blue in colour and are valid for an unlimited period of time (green) or three months (blue).
You have to pay an additional amount for medications. This is 10 percent of the cost of the medication, but never more than the medication costs – at least 5 euros, maximum 10 euros. There are medications that cost even more, but your pharmacy will tell you whether there are cheaper alternatives. If you need medication regularly, you can get an exemption 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 privately. 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 a BARMER service. 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 justified 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 privately and cannot be reimbursed.
Ayurveda 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 early detection of cancer for women aged 20 and over at a specialist in gynaecology and obstetrics. From 30 years of age, the examination also includes an examination of the female breast.
• Skin cancer screening every two years for all policyholders over 35 years of age at a GP or dermatologist. In addition, BARMER will cover a skin check by a dermatologist for all policyholders up to the age of 34. BARMER can inform you about the specific scope of services.