Zusatzbeitrag Krankenkasse: Alternativen recherchieren – Spartarife nutzen

Diese Woche ist gekennzeichnet durch immer mehr Meldungen über die Erhebung vom Zusatzbeitrag zur gesetzlichen Krankenkasse. Damit wird eine zusätzliche Kostenbelastung für viele Mitglieder der gesetzlichen Krankenkasse wirksam, die bisher nur eine theoretische Möglichkeit aus der letzten Gesundheitsreform mit Einführung des Gesundheitsfonds war.

Der Gesundheitsfond hatte dazu geführt, dass der Beitragssatz für die gesetzliche Krankenkasse vereinheitlich wurde. Sollte dieser Beitragssatz und die zusätzlichen Zahlungen aus dem Gesundheitsfond für eine einzelne Krankenkasse nicht ausreichen, dass hätte diese die Möglichkeit, einen Zusatzbeitrag von ihren Mitgliedern zu erheben: Der Zusatzbeitrag könnte bis zu 8 Euro pro Monat oder bis zu 1% der Bruttoeinnahmen betragen. Nun kündigen immer mehr Krankenkassen an, dass sie den pauschalen Zusatzbeitrag erheben werden, meist direkt mit dem Maximalbeitrag von 8 Euro. Experten gehen davon aus, dass früher oder später fast alle Krankenkassen sich diesem Trend zum Zusatzbeitrag anschließen müssen. Von Seiten der Politik ist auch keine Hilfe zu erwarten, denn die neue Regierung fördert langfristig die Einführung einer „Kopfpauschale“ in der gesetzlichen Krankenversicherung. Der Zusatzbeitrag von 8 Euro ist schon der Einstieg in eine Kopfpauschale bei der gesetzlichen Krankenversicherung.

Mit der erstmaligen Einführung  eines Zusatzbeitrags hat man aber als Mitglied einer gesetzlichen Krankenkasse die Möglichkeit, zu einer anderen zu wechseln. Ob man aber vom dieser Möglichkeit zum Wechsel der Krankenkasse Gebrauch machen will, sollte man sich gut überlegen, denn man verliert die gewohnten Ansprechpartner. Allerdings macht es Sinn zu recherchieren, ob es nicht andere Möglichkeiten der Einsparung bei der Krankenkasse gibt. Das Nachrichtenmagazin Focus hat diese Woche einen umfassenden Vergleich der Krankenkassen veröffentlicht, bei dem man nicht nur ablesen kann, welche Krankenkasse demnächst einen Zusatzbeitrag erheben wird. Focus macht auf zwei Varianten aufmerksam, wie man seine Beiträge zur Krankenkasse absenken und damit den Zusatzbeitrag bekämpfen kann:

  • Spar-Tarif der jeweiligen Krankenkasse mit Selbstbehalt
  • Spar-Tarif der jeweiligen Krankenkasse mit Beitragsrückerstattung.

Beide Varianten zur Einsparung bei der gesetzlichen Krankenkasse sind sinnvoll für Mitglieder, die eher selten zum Arzt gehen wollen. Denn diese Zurückhaltung fördert die Krankenkasse durch einen geringen Beitrag, der entweder von vorherherein gewährt oder nachträglich zurückgezahlt wird. Von Vorteil dabei ist, dass Vorsorgeuntersuchungen der Krankenkasse hiervon nicht betroffen sind. Im Gegenteil, wer alle Vorsorgeuntersuchungen nutzt, der hat weniger Selbstbehalt gegenüber der Krankenkasse zu tragen, als der, der überhaupt keine medizinischen Leistungen beansprucht.

Man sollte also die Mitteilung seiner Krankenkasse zur Einführung vom Zusatzbeitrag nutzen, um sich über diese Alternativen Gedanken zu machen und seine Krankenkasse gezielt nach  einem Spartarif zu fragen. Wenn ein Spartarif der aktuellen und zukünftigen Lebenssituation entgegenkommt, dann macht es auch Sinn nach Einführung eines Zusatzbeitrags die gesetzliche Krankenkasse zu wechseln: zu einer Krankenkasse, die (mit oder ohne Zusatzbeitrag) eine Möglichkeit der Beitragserstattung anbietet.

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