Ever wonder how our medical experiences here go or how what's covered and how we even file claims?
When we moved down to Brazil the company switched us from a US plan to the International coverage from CIGNA. Basically we can go anywhere in the world, except the US, and we are 100% covered for all treatments including holistic approaches. When we enter the US the coverage switches to 80% covered when in network with 100% coverage on preventative tests. Not bad huh?
Once we have Belle, she will be 100% covered in the US and anywhere in the world. This means that I will not only have a pediatrician here in Brazil but I will also search for one in the US. Just to cover all of my bases. Of course this depends on how much I trust the medical advice I am receiving here in Brazil. If I don't agree or feel that procedures done are in Belle best interest I will consult with a pediatrician in the US. Why not? It's all free so who wouldn't if they could.
Anyway, back to the insurance part of the blog entry. Once Nate and I visit a doctor they ask us how we will be paying since we are not Brazilian. Most offices do not have credit card machines and therefore we are left paying with cash or check. Our ultrasound office does accept credit cards, thankfully, but the others don't. We then hand over our Brazilian version of a social security card, our cash and wait patiently for an official receipt.
The official receipt, nota fiscal, can then be used for reimbursement by our insurance company. Once we get home I scan the document, sign into the insurance website and submit the claim on-line. It takes about one week for us to receive our reimbursement via electronic transfer of funds. Here's the best part of it all- We pay up front for our services in Brazilian reais but we are reimbursed to our US bank account in US dollars. Great way to avoid money transfer fees and exchange rate fees!!
So far the process of it all proves to be very simple. The only thing I worry about is when we have to pay the hospital upfront the total amount for the big day.... That's going to be interesting! Right now we pleasantly surprised by how cheap services are down here.
Approximate pricing:
Doctor Visit (She's expensive from what I hear): R400 = USD 248
Ultrasound: R 350 = USD 217
Labs (basic urine test): R 30 = USD 18.60
Lab (glucose tolerance): R 50 = USD 31
Lab (extensive blood): R 650 = USD 403
Not bad if you ask me. There are no hidden lab fees or cost to random people that you don't know about. I think that overall though the cost to have a baby here is the same to have a baby in the US based on recent friends calculations. The only thing is that no matter the cost we get it all back :)
So that's our medical stuff in a nutshell. Right now, I am in the process of determining if all of our massages can be reimbursed... to be continued.
Tchau,
Sara