R
Randianne
Guest
Right, so you make an appointment with the doctor and pay the bill and your insurance company reimburses you? Or you don't pay but you do some paperwork at the doctor's office and then they either follow up with the insurance company or the government if you don't have insurance? Or if you don't have insurance, do you go to an A&E or a free clinic and wait or something?
Here in NZ you just make your appointment and the nurse administers the shots. At my clinic, because I'm registered, there's no cost, no paperwork, but I think if you're not registered there's a low cost per visit (maybe $10-30 per visit, and you would need about six visits for the full schedule).
You give them your insurance information up front and the doctor's office verifies it. Then you pay the copay (what insurance won't cover) at the time of service. It gets confusing though, because insurance companies have complex rules regarding what they will or won't cover. We're lucky that our insurance covers 100% of her vaccine costs so no copay at all. Just the $300 a month we pay for our insurance plan.
If you don't have insurance, you have it done at the health department for $25. That's only my area though. It varies greatly by city and state. Some families qualify for free healthcare for their kids, but there are a lot of people who make too much money for government help but not enough to buy insurance. It can get insanely expensive.
ETA: Doctors can refuse to treat you if you don't have insurance. The exceptions are emergencies and women giving birth.