Managed Care or Med Direct — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with Visana, Managed Care costs CHF 483.60 a month in 2026 and Med Direct CHF 483.60, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Here Managed Care and Med Direct cost exactly the same. The choice is therefore not about the amount, but about the care pathway you accept.
What you accept in each case
Managed Care is a "Group practice (HMO)" model. Med Direct is a "Family doctor" model.
- Managed Care
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
The price at every deductible
| Deductible | Managed Care | Med Direct | Gap per year |
|---|---|---|---|
| 300 | CHF 483.60 | CHF 483.60 | — |
| 500 | CHF 477.00 | CHF 477.00 | — |
| 1'000 | CHF 442.80 | CHF 442.80 | — |
| 1'500 | CHF 413.60 | CHF 413.60 | — |
| 2'000 | CHF 384.50 | CHF 384.50 | — |
| 2'500 | CHF 355.30 | CHF 355.30 | — |
The comparison, region by region
- Managed Care or Med Direct?
- Aargau
- Appenzell Innerrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.