This is my review of their services. You can update your personal information and read your messages online. Generally, google for a doctor in your area, use the doctor finder on Meine TK or ask friends and colleagues. Insurance is complicated for most adults who have used their health insurance in the past, New York therapist Dhvani Patel Lindsey, LMFT said. The TK app is available in English. Starting from 2019, the additional contribution rate of TK is 0.7% and it is also equally divided between employers and employees, just like the state contribution rate. No,you can only do one challenge at a time. Online therapy sessions through an online platform often range from $35 to $90 per session and provide unlimited messaging. Your employer pays half of it. For this reason, it may take longer for the data to be displayed. Yes, but not officially. It's the best way to choose health insurance. You make more than per month, so you pay the maximum price. For some vaccinations, your doctor will ask you to buy them yourself at a pharmacy. It's the best way to choose health insurance, and it's free. The second biggest public health insurer. There are also special agreements with some non-European countries that ensure you have access to the best possible care there, too. Unfortunately, finding a therapist who speaks English and can be covered by your insurance can be so difficult that it leaves people seeking therapy both confused and distressed. You make more than per month, so you pay the maximum price. If you . If you are a freelancer, its more expensive because your employer does not pay half of your health insurance. It's expensive for what you get. Answer (1 of 3): Psychotherapy coverage is difficult to access in Germany. Every article I have found ranks TK first. I truly appreciate your efforts and I will be waiting for your Additional insurance is required for long-distance trips. Your health insurance costs a percentage of your income. German Cities Deciding to see a therapist can seem like a daunting task, especially considering the cost and the complicated world of health insurance. Private health insurance is a better choice in some situations. Health Insurance switching from TK to BKK, is it good idea? The Jobcenter pays for it. 1. Take advantage of the TK Doctor Guide to find an expert for your health issues quickly and easily. You can then assign a new PIN. It depends on your situation. The greatest benefit of therapy is honestly just the self-exploration and the self-awareness that comes with it, and I think that's something that everyone can use, Lindsey said. Find the full lesson plan here. Family cover:TK also includes your direct family members for free. The TK eHealth card lets you use medical services throughout Germany. 5. Health insurance in Germany is mandatory. Save my name, email, and website in this browser for the next time I comment. It covers your medical expenses while you travel. This means that both you and your employer will each have to pay 7.3% monthly. Nursing care insurance (Pflegeversicherung) costs the same with every public health insurer. If you want to use the therapy hours you have left, it must be done within six months of the last session in other words, you can have one session every six months to keep the remaining hours youve been allocated. TK does not deny coverage for pre-existing conditions. | Updated January 11, 2023 Techniker Krankenkasse (TK) is one of many public health insurance funds in Germany. Those who have a higher salary will be required to pay more for public health insurance. It's {{ baseContributionPercentage }}% of }}. Since a large majority of people living in Germany are entitled to public health insurance, most people can get TK insurance in Germany. Our programme pays off twice over! I was a TK customer from 2015 to 2021. You should also consult TK, in how far they will cover special treatments like acupuncture. For statutory German health insurance for students: should I - Quora It's just a little larger than Barmer, the second largest Krankenkasse. Private health insurance can cost a lot more or a lot less than statutory coverage. For medical advice call our free, 24/7 hotline TK-MediCall. Before starting treatment, please confirm with the doctor whether they need a referral for billing. Health insurance provides the certainty that the costs of medical care and medications do not have to be paid privately in the event of an accident or illness. The members area (Meine TK) is only in German. When you are an employee, your employer pays half of your health insurance. They speak English. TK health insurance costs 15,8%, so 7,9% will automatically be subtracted from your payslip. Its quite unique for Germany that the public health insurance will cover the costs of psychotherapy. All rights reserved. Their online chat works really well. TK offers excellent coverage with relatively low costs. Why do so many expats in Germany choose TK? largest public health insurance in Germany. All health insurance plans are different, so it depends on what specific plan you have. Apart from being one of the largest public health insurance companies, TK also offers the most affordable prices out there. Is the therapist I want to go to in or out of network? It just worked. "If you feel like your parents are going to have concerns, hear them out," Patel said. Why Should I Choose TK Health Insurance? You pay the minimum price. Teen Vogue may earn a portion of sales from products that are purchased through our site as part of our Affiliate Partnerships with retailers. Techniker Krankenkasse cannot cover the costs for treatment by a private doctor. TK is known for having great English-language support. Finding an appointment with a psychological psychotherapist without a Kassensitz is much easier than finding a contract therapist who will take you on. Whether heat stroke, a broken leg or a viral infection - anyone who falls ill on holiday or during a visit to their home country has gone through enough. data privacy policy This bonus program entails of customers gathering points, which are awarded based on the behavior of the individual. How To Apply To Study in Germany It also has special agreements with non-European countries as well, to ensure proper medical care everywhere. The running challenge can only be considered once per participation year. This will earn you points for the TK Bonus Plan and attractive rewards from our cooperation partners. This cost can be around $400-$800 or more per month. Finding a therapist that speaks your language is just the first step in a long hurdle to get mental health care in Germany. We are at your service Monday through Thursday from 8 a.m. to 6 p.m. and on Fridays from 8 a.m. to 4 p.m. They can help you find a doctor appointment. . You will get the first voucher for one of the premiums offered by our partners when you reach the first milestone of three weeks. However, if for some reason that is not possible, then the company can make your appointment for you through TK-AppointmentService. If you earn more, its more expensive. Where can I use my insurance card? These services include check-ups (blood pressure, weight, urine, and sugar levels), palpation, blood tests, three basic ultrasound examinations, nutritional recommendations, services connected with childbirth, and more. There's several possible solutions to solve this problem. You don't pay the student tarif because you are too old. Do you need to see a doctor but don't have time to arrange an appointment? TK insurance in Germany also happens to be a favorite insurer amongst expats. Your doctor notes your diagnosis in the form of a code, called the ICD diagnosis code, on the Arbeitsunfhigkeits-Bescheinigung [statement of fitness for work] for the health insurance fund. Currently, Its Complicated has two psychological therapists who in such cases can be covered by the public insurance, Frank Pfitzner and Anne Zirkler. Yes. The benefits of self-payment as opposed to therapy covered by the health insurance provider is therefore that you can choose freely which therapeutic method you prefer and how long the process should last. You make less than , so you pay the midijob tarif. You pay the {{ tarifName }} tarif. Their help is free. There, you can adjust your cookie settings again at any time. On rare occasions, you might find that TK-Fit doesn't open correctly. But by asking the right questions, you can totally figure this out. What this means is if youre an expat in Germany, employed or commencing your studies, you will also be required to get health insurance like the rest of the citizens. This means that you will only have to pay 0.35% additional contribution rate, if you are insured with TK. The state contribution rate is 14,6%. In this TK review, we will tell you why and show you how to sign up online in just a few minutes. Since 2021, their prices are a bit less competitive. They have outstanding customer service, also in English, excellent coverage, and low costs. When, How to Check, and More Tips Vitamins & Supplements Sleep Mental Health Nutrition How to Know If Your Insurance Covers Therapy Common scenarios Finding. Thanks for sharing your info. I will appreciate if you continue this in future. Cost of Living Its the same with other public health insurers. Private vs Public Health Insurance In Germany, Best supplementary dental insurance in Germany. For example, you will earn 200 points everytime you attend dental check-ups and keep your gums healthy, or if you run a marathon. Can I Get TK Health Insurance in Germany? There, you can adjust your cookie settings again at any time. The customer support also available in English. Where can I use my insurance card? | TK The young persons guide to conquering (and saving) the world. However, the benefits of therapy cannot be overstated its been proven to reduce depressive symptoms, and can provide a safe space for you to learn more about yourself. What is the TK supplementary contribution rate for 2023? It will not make any difference to you in price, however, it allows us to keep Simple Germany alive and striving. . The surcharge (Zusatzbeitrag) is usually around {{ formatPercent(healthInsurance.avgZusatzbeitrag * 100) }} of your income. ", "And TK is offering support in getting doctor appointments". | It's Complicated This guide might contain affiliate links. Mental health in Germany: services and support | Expatica If you want to print this image, stop the printing process and wait until the image has loaded completely, then start the printing process again. The cover gets expanded, should the pregnancy become risky. If these cookies are disabled, this content cannot be displayed. You can call TK, use their online chat, or ask them to call you. Yes, you can change data sources at any time. Even though its the health insurances responsibility to provide and cover necessary treatment, the therapy that they offer to cover is restricted to cognitive-behavioural-therapy, psychodynamic therapy and psychoanalysis. They answered all of my questions and told me exactly what to do in less than 10 minutes. The voucher codes are generated by the providers themselves and not by us. Safeguarding your health insurance for the future with Anwartschaft [prospective entitlement]. You will also be required to submit a passport photo for the insurance card, which you can do online or through post. You can see the doctor of your choice. Starting from the fact that it fulfills all the visa application requirements, to providing support services in different languages, including English, but not only. If your home country is not one of the EU- and EEA countries (German), please activate your last insurance in your home country immediately. They pay half of your health insurance. With the TK eHealth card, you are not only entitled to the best medical and hospital treatment in Germany, your eHealth card gives you optimal cover in almost all European countries as well. It's always worth it. Under the Health Insurance Portability and Accountability Act (HIPAA), health insurance providers are required to protect patient confidentiality, and some states have taken further measures to ensure that people on their parents' health insurance would be able to protect this right. Important: Be sure to keep all documents related to the treatment (such as prescriptions and payment receipts). You are doing a great job. It might not be simple, it might not be ideal, but hopefully this guide can make your journey just slightly more manageable. If the doctor decides that an antibody test is medically necessary, the costs of testingcan be settled via the eHealth card. The EHIC ensures access to healthcare in all 27 EU states as well as many other European countries and even in certain non-European territories. Get ourFREEguide with 7 actionable hacks to save money while living in Germany. Additionally, you also get insured forlong-term care, whichcost is 3,05% of your gross income if you have children and 3,3% if you dont have children. TK is your ideal health care partner - not only in Germany, but also when you travel to other European countries. Be one step ahead with a globally recognised college in Germany! We authenticate you to guarantee a secure login, ensure optimal functionality of the website, and save your cookie settings. The customer service at TK is available around the clock. In case you need to make your appointments quickly, then you are advised to go directly to your doctor. The cost of TK insurance depends on your income. Your health insurance costs a percentage of your income. If you want to print this image, stop the printing process and wait until the image has loaded completely, then start the printing process again. Its websites are simple, informative, and updated regularly. In some cases it is possible, that your steps or cycle rides are incorrectly shared. Many people will be benefited from your writing. I was a TK customer since I moved to Berlin in 2015. To record your bike rides, start a cycling workout via an app or wearable. Its the largest health insurer in the country, with 10.4 million members.1 TK is a non-profit company, like all public health insurers in Germany. Germany requires all its citizens and permanent residents to be insured in the healthcare system. can take up to forty-five days to be reimbursed, been proven to reduce depressive symptoms. To the service section Become a member Fill in the easy online application and become a member of TK, named Germany's best health insurance fund by Focus Money business magazine (07/2023 issue). To help with the process of booking your first therapy session, Teen Vogue has put together a guide of some of the most common questions, terms, and concerns you might run into when you start trying to figure out if your insurance plan can help with the cost of therapy. More information can be found in our So if you are confused or worried about how to navigate it, youre not alone. The health insurance providers are also only obliged to cover the treatment of mental health issues that are both urgent and severe. We optimally display our website on all devices and learn how visitors use our site so that we can continuously improve it. Yes, however there are only a few devices technically equipped to track-running on a treadmill. Well-covered in Germany and abroad | TK "Essential Guide to Studying in Germany for Free". Then all you have to do is connect your wearable and off you go! It's sometimes better and cheaper than public health insurance. Money in the queer community can be fleeting, communal and scarce, which can have an impact on our financial planning . When you then agree to continue the process, the psychotherapist will write an application to your health insurance company, which then grants a certain number of times. You can also download documents for your employer, the Auslnderbehrde and BAfG straight from TKs website. When I received a letter that I did not understand, I used their support chat. What is the TK supplementary contribution rate for 2023? Visit website family, women, childcare and addiction. As an employee, your employer also covers half of these costs, and freelancers or self-employed have to pay it themselves. You may want to consider getting supplementary private dental insurance. : contacted therapist x: didnt answer; therapist y: 3 months waiting list; therapist z: doesnt take new patients at all). TK, also known asdie Techniker, makes an effort to be expat-friendly. Do you still have your personal unlocking key (the "PUK")? She understands the struggle of settling in a new home and is happy to share simple services and tips on how things are done in her home country, to help expats get their German experience started. . . You can sign up in English on TKs English website (or use this simple form), but the rest of the website is only in German. Once youve located the most up-to-date version of your schedule of benefits, you can search for mental health benefits and see what the cost may be. This means you can apply online, and you will receive a confirmation within, at most, 2 working days. We publish news about the latest German higher education system changes and education policy updates, as well as a vast amount of informational content, articles, and research about studying in Germany for international students. Screening examinations:Preventative examinations such as a yearly visit to your gynecologist or every second year to your dermatologist are covered. They speak English-speaking support. If that is not the case, submit the invoice to us and you will receive a refund. The EHIC ensures access to healthcare in all 27 EU states as well as many other European countries and even in certain non-European territories. In 2021, TK raised their prices. How Does Insurance Cover Therapy? No. The simple and broad answer is typically, yes, you can see a therapist or mental health professional through your insurance. Additionally, personal growth topics and niche methodologies might not be covered by most insurance companies. In this case bring it with you to a TK customer service centre. When youre abroad, you simply have to show your EHIC to the public health hospitals and you will receive the same treatment as insured people in that country do. We authenticate you to guarantee a secure login, ensure optimal functionality of the website, and save your cookie settings. Your employer does not pay part of your health insurance. TK insurance covers the cost of services like GP (general practitioner) appointments, basic dental care, in-hospital treatment and out-patient treatments, among others. With the TK eHealth card, you are not only entitled to the best medical and hospital treatment in Germany, your eHealth card gives you optimal cover in almost all European countries as well. Degree students in Germany are entitled to public (statutory) health insurance. On the back of your TK eHealth card, you will find the EU sign, which makes it a European Health Insurance Card (EHIC). Medicine:When your doctor prescribes you medication, you will have to visit a pharmacy to hand in the prescription (Rezept not to be confused with a cooking recipe). Word of advice:Since not all countries have the same comprehensive healthcare systems, we highly encourage getting private travel health insurance, for example from Allianz. Alternatively, students who are in preparatory or language courses, or are over the age of 30, are not entitled to public health insurance providers like TK. Whether your therapy will be covered also depends on what therapist you choose. If you have private health insurance (private Krankenverischerung), the level of reimbursement you can expect for dental care depends on your individual plan.It is possible to get 100% coverage for more major dental work, but you should always obtain approval from your insurer before commencing treatment to make sure you are indeed covered. The decision as to whether or not a coronavirus test is free of charge depends on the type of test performed. If you choose TK, you can pay 10 per year to get Envivas travel insurance. Rated best public health insurer in many comparisons. Normally this note istransferred to us by your doctor automatically. This is a medical confirmation that you are unable to work due to illness. Freelancers and self-employed choosing to have public health insurance have to pay the full 15,8% themselves. When you click on the links of products we mention in this article and purchase it we will receive a small commission. You only need the PIN if you wish to allow the doctor to read the medical data stored on the eHealth card or to update the data or store new data on the card. If you have health insurance, youre one step closer to finding affordable therapy, but first you have to learn how to use your insurance and understand your benefits (if you dont have insurance, dont worry. TK covers the rest by law. * You need an initial evaluation for treatment. The doctor must be someone who is permitted to treat patients covered by public (statutory) health insurance. They speak English and offer great service. When you have a minijob, your employer does not pay for your health insurance. International students must present proof that they have health insurance when they enrol. Feather is an English-speaking health insurance broker in Berlin. Techniker Krankenkasse is an excellent public health insurance company. You can continue to use the same data sources. that it is really informative. Far from an ordinary insurance provider, TK has been named Germany's best health insurance fund by Focus Money many times over. You require a PIN if you wish to use a telematics infrastructure app, for example if you want to have medical data stored on your TK eHealth card. You can find your schedule of benefits online by looking up your health insurance provider and the type of plan you have this information can be found on your health insurance card. and extras" like the mentioned above. The new policy protects trans people from out of state who come to New York to access gender-affirming healthcare. After that, the reference to manual data should no longer appear and you can continue with your TK-Fit Challenge. They also offer these services for trans, non-binary, and inter people of all orientations. This article will take a look at how private healthcare in . We support mountain biking, biking, road cycling and transport cycling (utility). Why do I need a CAN (card access number)? You pay the minimum price, because you make less than per month. If you want be insured with the Techniker Krankenkasse, fill this simplified form. You can choose to receive all your mail online. Dont worry if you no longer have the PUK, we will be happy to send you a new PIN. These psychotherapists have the same level of training as the GVK-approved Kassentherapeuten, and they carry a so-called Approbation license, but since they dont have the Kassensitz they arent automatically covered by health insurance. If the therapy needs to be extended, the psychotherapist has to write a new application, but this is just a matter of formalia. You can either become a TK member online directly on their homepage and answer a few more questions. You can read all about this procedure of reimbursement ("Kostenerstattung") here. The more thorough and often complex answer is what type and how much mental health coverage you have sometimes depends. Insurance is complicated, but you've got this! next write ups thanks once again. All other types, such as spinning or bike trainer do not count into the TK-Fit Challenge. There are hundreds of options, both public and private. If youre interested in protecting your confidentiality, call your health insurance provider and explain that you would like reimbursement checks and explanations of benefits addressed to you, not your policyholder. Heres what you need to know about accessing your health insurance benefits. With more than 10 million insured Techniker Krankenkasse (TK) is the largest health insurance provider in Germany. At your request, the TK-AppointmentService will handle this for you. Best of all their services are 100% digital, in English, and easy to use. Foster children (if youre not employed as their caretaker). Unfortunately, we can obtain this information only through Apple Health and related apps. Its just a little larger than Barmer, the second largest Krankenkasse. Whats more, TK-Fit converts every step you take and every metre you cycle into hard cash! It costs {{ (pflegeversicherung.surchargeTarif*100).toFixed(1) }}% of your income, because you are over {{ pflegeversicherung.defaultTarifMaxAge }} years old and you don't have children. We are working on a solution to also include iPhone devices during the test phase. They only sell their own insurance. Most people in Germany can sign up to get TK health insurance. You will be required to fill out an application form and submit it. Teen Vogue covers the latest in celebrity news, politics, fashion, beauty, wellness, lifestyle, and entertainment. Private health insurance can be better and cheaper than public health insurance. Should you earn more, it wont impact your health insurance cost. The regular exercise gradually increases your well-being, while your commitment is rewarded with bonus points in our TK Bonus Plan (available in German language) and the sporting premiums offered by our partners. Fortunately, the public insurance companies, such as TK, are legally obliged to cover the fees if psychotherapy is necessary and urgent and if you can prove that you have tried to contact several "Kassentherapeuten". Promoting Your Therapy Practice on Its Complicated: A Guide for Therapists, The first step is clearly the most difficult, because where do you start your search for a fitting psychotherapist who speaks your language? That is not only my opinion but also that of many official tests and reviews. Unfortunately, once you sign up, your personal Meine-TK page is only in German. Yes, if you received your treatment in a dental practice on or after 1 October 2022 and you are 18 or older, we will pay a one-off subsidy of up to 40 EUR a year for your professional teeth cleaning. TK also has special contracts with hospitals in various European countries. Pregnancy:TK insurance covers necessary examinations during pregnancy. You can also download important documents from Meine TK. If you no longer want to take your cycling workouts into account, go to your TK-Fit settings and disconnect the data source. Techniker Krankenkasse (or TK) is a public health insurance company (Krankenkasse) in Germany. Stepchildren and grandchildren who are primarily supported by you as the insured member. The invoice should state who was treated, details about the treatment or service provided, and what costs were incurred. We optimally display our website on all devices and learn how visitors use our site so that we can continuously improve it. If they agree, then you're in the clear. Related guide: Which health insurance do I need for my visa application? What this means for you is that you get comparable care coverage for mental health services, such as therapy and counseling, on your health insurance plan. Please contact the partner directly in whose shop you want to redeem the voucher. It can be scary, but in the end, it may be worth it. Or you can use the simplified sign-up form of the expat insurance service provider Feather. I had a very positive experience with them. You can choose which cookies you want to allow. For example, if you want high quality tooth fillings, you must pay for the cost difference. If this guide helped you, donate a few euros to support my work. What do students pay for health insurance? Your data is read and pseudonymised so that it can be used for your challenge. The table below gives an overview of these. Research shows that the most important factor in therapeutic success is the client-therapist fit." Consent to the data privacy terms and confirm your participation in the TK Bonus Plan. Their advice is free. This allows me to work on this website full time. Some therapists only take specific insurance, while some don't accept insurance at all. I have been considering therapy for a while now but I haven't done this before and I was always told this is not covered by state insurance in Germany, which made me even more hesitant to try.