Always more. The Government wishes to double the annual roofs of medical franchises and participations of flat rates … and above all, (still) their amounts that have already increased last year.
As a reminder, these are discreetly deducted sums by health insurance, medication reimbursements, doctor’s consultations, masseuse physiotherapist or even health transport and radiological exams and medical analysis.
In total, the maximum of 200 euros can be deduced, every year, safety reimbursements: 100 euros for medical deductibles, 100 euros for flat fees shares.
Specifically, excluding the overcoming of the rates, where patients indirectly paid a maximum dependent of 100 euros per year by combining medical consultations, the prescriptions of the medications backed by health insurance or even radios and rehabilitation in a physiotherapist, this break will double next year.
And, above all, if these medical franchises and the participations of flat rates are, de facto, not reimbursed by safety, are not backed by complementary health, if the patient is covered by a “responsible” contract, or 98% of the subscribed offers.
Franchise amounts will also increase
But that is not all: the government also plans to increase the amount of franchises and participations of flat rates, which would make a greater number of patients, beyond patients with long -term affection, probably reach annual ceilings … and contribute to the rescue of social security.
In Franceinfo’s microphone on Thursday, July 31, his colleague Yannick Neuder, responsible minister of health and access to care, even prepares the spirits to double the amounts deducted from the reimbursements of the medications. “It can be two euros,” he said.
If the government is looking for substantial savings, the main reason advanced is to leave “the illusion at all free” in the health system, particularly denounced in recent weeks by employers.
That is why, for drugs in particular, Catherine Vautrin wants the franchise to adjust directly to the pharmacy counter, and no longer deduces after passing through the pharmacy for health insurance. Logically, one can imagine that fixed participation must also be paid directly to the doctor.
In addition, the arguments linked to the responsibility of patients, advanced by the Government, are far from convincing: “franchises apply only in prescribed care. Why, therefore, it is not a matter of the responsibility of doctors?”, He raised the federation of patients with the health of France’s patients on the day after the presentation of the Public Finance Recovery Plan for Françosi Bayrou.
The franchises had already doubled last year
Medical franchises and flat participations have already doubled last year, causing the anger of patient associations. Since May 31, 2024, in fact, medical franchises have doubled. Therefore, they have gone from fifty cents to a euro for drugs and consultations in paramedical health professionals, such as physiotherapists or nurses, and two to 4 euros for health transport trips.
And since May 15, 2024, the Global sum shares have also doubled, one to two euros for consultations with a doctor and for radiological exams and medical analysis.
Similarly, the daily ceilings applied to each of these expense stations, with the exception of medicines, also doubled last year. 4 euros per maximum day for paramedical consultations, 8 euros for meetings with doctors, general professionals such as specialists, radios, blood analysis and health transport.
However, at that time, the government had not decided to touch the annual deductible roofs to protect the most vulnerable patients. In particular, carriers of a long -term condition (ALD) recognize as such for health insurance, because this state does not exempt them from these medical franchises and flat rate.
To date, the minors, the beneficiaries of the health of complementary solidarity (C2), the state medical aid (AME), the pregnant women of the first day of the sixth month of pregnancy and up to 12 days after delivery, as well as the victims of an act of terrorism for health costs in relation to this event,
There is no monthly drug roof
Contacted by BFM Business, the Catherine Vautrin office indicates that it is not about changing the amounts of flat franchises and participations, or their daily ceilings.
However, the minister sowed confusion, in an interview with El Mundo, evoking a monthly roof of 8 euros per month for medicines. It is not: for the sake of simplicity for the general public, “the minister brought the maximum limit of 100 euros to a monthly equivalent,” said his BFM Business office. Therefore, drugs would remain subject only to the annual roof, which, therefore, would increase to 100 euros.
A simple decree is sufficient to double franchises
If nothing has been decided, the government benefits from a certain flexibility to increase the deductibles and their roofs as desired. A simple decree by regulation is sufficient, therefore, it is not necessary to go through an article in the next Social Security Financing Law by 2026.
According to a source close to the file, no less than 700 million euros is expected in savings, knowing that the Government seeks to save no less than 5.5 billion euros in health next year.
On the other hand, the Government had considered 2023 for a while to create a deductible doctor in medical devices such as dressings and pacemaker. The experience led by the Social Security Directorate (DSS) estimated the performance of this measure between 170 and 340 million euros in savings. But this time, it would have been necessary to go through the legislative route to implement this franchise in these medical materials. Given the balance of power in the National Assembly, if you wanted to relaunch this project, the Government would have very few possibilities of achieving it.
Source: BFM TV
