Private service: prevention panel
Why most of it is not covered
Your insurance pays for the check-up that every insured person can have from 35: cholesterol, triglycerides, blood sugar and a urine test, plus the visit. Everything beyond that is paid by the insurer only when there is a diagnosis to investigate. You came without one, which is the point of a prevention check, so the rest is a private service.
Two invoices come out of that. The practice bills its own part: the counselling and the blood draw. The laboratory bills the analyses it performs to you directly; the practice is not allowed to bill those and does not earn on them.
What the practice bills
- GOÄ 1Counselling on the panel and the resultsFactor 2.310.72 €
- GOÄ 250Blood drawFactor 1.84.20 €
- To the practice, payable by you14.92 €
What the laboratory bills
- Markers
- 28 self-paid analyses, listed on the order: apolipoprotein B, lipoprotein(a), HbA1c, insulin, uric acid, six liver values, creatinine, urine albumin, TSH, free T4, ferritin, transferrin saturation, vitamin D, B12, folate, hs-CRP, blood count.
- Rate
- GOÄ factor 1.15, the rate laboratories apply to self-paid analyses. Example: lipoprotein(a) 18.63 €.
- Quote
- The laboratory names the total on the order confirmation, before the draw, and invoices you after the analysis. Some private supplementary policies reimburse it.
What this means
- You decide. Declining changes nothing about your care in the practice.
- You sign before the blood is drawnGerman law requires a written agreement on a private service before it happens, with the price named.
- Two invoices, one from the practice, one from the laboratoryNeither goes to your insurer.
Sources
Practice fees from the German scale of fees for physicians (GOÄ) at the factors the practice applies; laboratory analyses of chapters M III and M IV are invoiced by the laboratory (medas, Kapitel M GOÄ). Required before a service outside the statutory catalogue, §18 of the federal agreement between physicians and statutory insurers. Signed in the app on 11 September 2026.