The proposal went unnoticed among the many advanced ideas this week by employers to absorb the social hole. To “get out of free illusion” in terms of access to care, the Confederation of small and medium enterprises (CPME) suggests twice the medical franchises.
Most of the time, these are the sums that are discreetly deduced health insurance for medication reimbursements, these treatments emit pharmacies to patients without having to advance costs thanks to the payment of third parties, as soon as they are equipped with a vital card. The deductible doctors also withdraw from the amounts reimbursed at the end of the consultations of paramedical health professionals such as masseuses-phisiotherapists and nurses, as well as support for health transport.
Medical franchises have already doubled in 2024
If the CPME offers this measure, it is “to avoid acts of comfort”, referring to certain consumerist behaviors that press, for example, certain patients to accumulate the tablet boxes in their cabinets, when they are prescribed by their medical medications in an amount sometimes more than necessary, for fear of missing.
However, medical franchises have already doubled last year, causing the anger of health system user associations. Since March 31, 2024, in fact, one euro has deduced from the reimbursements of medications and paramedical consultations (compared to 0.50 euros before), 2 euros for exams and analysis of medical biology (instead of 1 euro) and 4 euros in health trips (instead of 2 euros).
According to a similar mechanism, flat rates participations are also cunning for the safety of consultation refunds with a general doctor or specialist. These sums have also doubled since May 15, 2024, from 1 to 2 euros. In total, these increases had to bring 800 million euros to Social Security throughout the year.
With the exception of drugs, a daily roof is applied beyond which health insurance is applied, it can no longer withdraw the deductibles from reimbursements: it reaches 4 euros for consultations with a physiotherapist or a nurse, and 8 euros for appointments with a doctor, exams and analysis of medical biology, as well as health transport.
In addition, every calendar year, health insurance cannot deduce more than 50 euros in medical deductibles per person. Idem for flat rates participations. It is possible to know the total amount of medical franchises and participations of flat rates deduced from the reimbursements connecting in the “Ameli” section, my payments “.
Empower and raise awareness about the value of medical acts
On the other hand, the Medef did not explicitly propose once again the medical franchises that, in addition, were created under the presidency of Nicolas Sarkozy in 2008. At that time, the challenge was to fill the hole of society … without the patients having specifically the feeling of paying more their franchises, these franchises are soon as they entered, in which the patients with patients without concrete without the patients without the patients.
However, the organization of the first employers (in number of adherent companies) begs greater transparency and, in some way, an awareness of the users of the health system. Therefore, it proposes to communicate annually to each social insured, a declaration of attention carried out and its cost, including hospital care.
Source: BFM TV
