Table of warranties, the services covered, and the evolution of the contract according to its needs, services that are not covered by health Insurance, and many criteria to consider when choosing their health insurance.
What are the criteria for choosing health insurance?
Why health insurance?
Subscribing to health insurance remains totally optional. For all that, there remains a need to be able to get a reimbursement of the expenses of health carried out. In effect, the role of complementary health is coming complete support performed by health Insurance. It shall totally or partially refund the part that is responsible for the insured, known as the ticket moderator. In order to be reimbursed for medical expenses, it is, therefore, necessary to find the best health insurance.
Some people may take advantage of the additional insurance mandatory health of their company as explained on the website of the ministry of the economy Others must find for themselves mutual* health. The cost of this varies according to the age and sex of the person, but also depending on the coverages purchased: vision, dental, spa treatment, reimbursement of osteopathic or chiropractic, etc
Define its needs to find a complementary health fit
To choose your health insurance, you first have to address your health needs.
– Who do you want to make sure of?
– Your age and the age of people to earn?
– Determine your coverage levels in the following areas :
- Routine care and pharmacy
- Hospitalization and maternity
- Complementary medicine (acupuncture, chiropractic, mesotherapy …)
What are the criteria to take into account to choose a health insurance plan?
Several criteria have to be taken into consideration in addition to health needs. In effect, to choose your insurance or mutual* health, you can think of financial aspects, but also – care coverage, whether or not modulate your contract, the payment terms, and any deficiencies or the provision or not of a third party payer.
The basis for reimbursement
When choosing your health insurance, consider well the basis of reimbursement. In fact, as a complement to the mandatory redemption operated by Social Security, the reimbursement of your health expenses will not be the same according to health insurance contracts. See the reimbursement rate from the table of benefits.
The basis for reimbursement is for all the charges of common health. It is therefore essential to pay particular attention to the stated amount. This indication of a refund is important, especially when the doctor consulted practice an excessive fee.
For example, you need a blanket for your dental costs. If the percentage is 150 % BR (Based Repayment), this indicates that your health insurance will reimburse you for your expenses up to 150 % of the basic rate of social Security.
In practice: your consultation with your dentist costs 55 €, and the tariff agreement of Social Security is about € 30. It normally remains in charge of 25 €. With a refund of 150 % of the Basis of reimbursement from your insurance company*, you will be refunded 30 € + 15 €. Your support is more than 10 € (55 € – 30 € -15 €).
Consider the care that is not covered by the Social Security
Each health insurance has its own list of taken care of. Thus, when choosing its complementary health, check the care that is reimbursed. You’re a fan of alternative medicine (osteopathy, reflexology, etc)? Make sure to review the terms and conditions supported by this type of care is not reimbursed.
Your contract can be modulated according to your needs.
Dental or optical, the emergence of new diseases with age, your health changes. Diseases or needs may emerge, leading to new treatments or care that you didn’t need in the past. In fact, the contract subscribed to the base does not correspond necessarily to the reality of current needs. This is why choosing health insurance that offers the possibility to modulate its contract according to its needs is an undeniable advantage. You will be able to review the contract to include new guarantees, or to increase the percentage of coverage on certain risks.
The time of payment and deficiency
The repayment of a mutual* or health insurance varies between 2 and 15 days. It all depends on the treatment carried out and the support possible, carried out by Social Security. Moreover, according to the contract or the nature of the expenditure health, the reimbursement may be more or less long. There are between 1 to 3 days from the receipt of the count or the leaf of care when they are reimbursed by Social Security. In contrast, for care that is not reimbursed, it will take about a week from the receipt of the invoice to the healthcare professional. In addition, when you enroll in new health insurance, the waiting period can be applied. It should be particularly vigilant to these before you incur fees related for example to optical or dental care.
The third-party payer
Benefit or not from the third party payer is another criterion to look at. The third-party payer is immediate care of your insurance* costs generated by a consultation or pharmacy. All the mutuals* and health insurance don’t practice it. Without third-party payment, you will be obligated to make an advance payment of fees. In the event of hospitalization or package dental, these amounts can be very expensive. Also, having the benefit of a third party to pay his health insurance can be a real plus. You do not have to make the advance payment of costs related to the supplementary part. The support is done automatically.