According to the bi-monthly report of the CMU financing fund, too many French people still give up the acquisition of aid to subscribe to complementary health insurance.
Still too many French people eligible for the acquisition of complementary health insurance (ACS) renounce this right. This is what the biannual report of the Universal Health Coverage Fund (CMU) reveals.
Only 32% of use
Created in 2004, the ACS allows people whose resources are between 8,645 euros and 11,670 euros per month to receive between 100 and 550 euros for one year. The resource cap was increased in July 2013, so that more people could benefit from it. And yet, as the CMU report shows, “the recourse rate is between 26% and 38%, which is 4 to 5 points lower compared to the 2012 rate.”
Significant expenses for beneficiaries
Several factors explain these renouncements. To begin with, many people are unaware of their entitlement to this assistance and, therefore, are reluctant to build a case. In addition, aid for the acquisition of complementary health requires paying between 40 and 50% of the contract price, according to daily information. The echoes. In addition, beneficiaries must finance excess fees out of their own pockets and are not exempt from the payment of deductibles.
However, the CMU is counting on the measure of the generalized third-party payment integrated into the 2015 health bill, adopted Wednesday by the National Assembly, which plans to exempt patients from these charges to change the situation. According to the daily The echoes, ACS costs 195 million euros and has increased by 31 million euros in one year to cover 710,000 people on average. The CMU fund therefore warns of the urgency of generating new revenue. Otherwise, it could be in deficit from 2016.
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