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06/03/2008, 11:13 Clair Joined on 23/08/2004 ------- Forum Moderator ------- Lot (46) Posts 7,806 Re: Changes to medical reimbursements on 1 January 08 Ron is correct and as I posted in the OP, the franchises médicales are: €0.50 per box of prescribed medication (4 boxes  = €2.00) €0.50 per para-medical act (visit by a nurse for an injection + change of dressing + toilet of patient= €0.50 + €0.50 + €0.50) up to a maximum of €2.00 per day €2.00 per medical transport (non-urgent transport to hospital in a taxi-ambumlance = €2.00 each way) up to a maximum of €4.00 per day €50.00 annual ceiling per person Source: http://www.ameli.fr/assures/soins-et-remboursements/.../la-franchise-medicale/ This is in addition to the €1.00 fee for participation forfaitaire which is charged on most medical acts. Details here: http://www.ameli.fr/assures/soins-et-remboursements/.../la-participation-forfaitaire-de-1-euro What Logan is proposing to do is to pay the ticket moderateur and any forfait hospitalier himself, rather than pay for a mutuelle. Details here: http://www.ameli.fr/assures/soins-et-remboursements/.../le-ticket-moderateur http://www.ameli.fr/assures/soins-et-remboursements/.../le-forfait-hospitalier This section shows what a patient is liable for. Most of the costs can be covered by a top-up (mutuelle). http://www.ameli.fr/assures/soins-et-remboursements/ce-qui-est-a-votre-charge/index.php Clair Real Virtual French Person    Report

06/03/2008, 11:46 Logan Joined on 23/08/2004 Posts 773 Re: Changes to medical reimbursements on 1 January 08  Ron Avery wrote: As far as I can see the whole basis of Logan's arguement for dropping  the Mutuelle is totally flawed. However, is not getting 0.50c back for a box of pills grounds for dropping your mutuelle?    There you go again Ron personalising my suggestions and getting it wrong. I am not considering dropping my mutuelle simply for the reason you mention. It was only a catalist which made me re-examine the whole concept. The insurance industry feeds successfully from our personal fears and insecurities. Some is necessary, indeed complusory but most others have another solution. If you calculate how much all your insurance costs over 10 years then tot up the benefits received you will realise just what a poor concept it is. Of course if you are in poor health, accident prone or take part in dangerous pursuits then perhaps a mutuelle might be a good idea. However I am still not convinced. If my argument is flawed Ron you really should please suggest why. It looks like CMU have overcharged me on the basis of this charge scale. I obtained 4 boxes of medication. 2 were charged at 0.50, one at 1.50 and one at 2 Euros. Very strange.  Dulce et decorum est Pro patria mori. (Horace).    Report

06/03/2008, 11:52 cooperlola Joined on 05/05/2006 72 - Sarthe - home of les 24 heures du Mans Posts 6,446 Re: Changes to medical reimbursements on 1 January 08 Ultimately, it's a personal choice - either you let the insurance company take the risk, or you do so yourself.  If you believe, at whatever age you have reached, that if you put the "saved" premiums in a safe place (and perhaps make a bit of interest or profit on it in the meantime), then you'd have enough to cover any problems, then that's up to you - nobody else.  I wouldn't do it, but Logan may certainly do so. Healthcare Issues Site    Report

06/03/2008, 13:12 Ron Avery Joined on 29/11/2004 Aveyron 12 Posts 3,396 Re: Changes to medical reimbursements on 1 January 08  Logan wrote:  Ron Avery wrote: As far as I can see the whole basis of Logan's arguement for dropping  the Mutuelle is totally flawed. However, is not getting 0.50c back for a box of pills grounds for dropping your mutuelle?    There you go again Ron personalising my suggestions and getting it wrong. And once again you are right and everybody else is wrong....... and you of course did not write " The franchises médicales charge is dependant on the type of drug that is prescribed by your doctor. Some are 0.50 Euros and some are 2 Euros and 1.50 Euros and so on. My last prescription was charged a total of 9 Euros. Since this charge is not recoverable from the mutuelle contract I am now beginning to wonder why I have one. Logan, quite frankly  get on with it.  You know the risks of not having a Mutuelle, go ahead save yourself a few euros, don't insure your house and contents, save yourself a few extra euros, why have any insurance at all?  ........  but really take care out there and hope all around you equally as careful Why not post a sensible answer, people will appreciate it more    Report

06/03/2008, 13:30 Caussenarde Joined on 10/11/2007 Posts 69 Re: Changes to medical reimbursements on 1 January 08 Mistake.    Report

06/03/2008, 13:32 Caussenarde Joined on 10/11/2007 Posts 69 Re: Changes to medical reimbursements on 1 January 08 Exactement Ron !! But please Logan, don't expect others to pay your costs......    Report

06/03/2008, 13:42 Logan Joined on 23/08/2004 Posts 773 Re: Changes to medical reimbursements on 1 January 08  Caussenarde wrote: But please Logan, don't expect others to pay your costs...... When on earth did I suggest that? Dulce et decorum est Pro patria mori. (Horace).    Report

06/03/2008, 15:52 Helen Joined on 23/08/2004 12 Posts 139 Re: Changes to medical reimbursements on 1 January 08 (Slightly digressing from Logan's discussion) It may be coincidental but many of my medicaments are now being dispensed in larger quantities.  Pills are are in  90s rather than 30s and testing strips in  boxes containing 100 rather than 50. If  the franchise is per box, then for some people, over the year, it would make a significant saving. I remember reading somewhere that the pharmacists were very anti the introduction of franchises perhaps they are trying to cut the charges to a minimum.(?)  I'll still end up paying 50E but  I really don't mind , particularly  if the money is  ringfenced for Alzheimer's disease and cancer research .  I'm just very relieved to have health care      Report

06/03/2008, 17:13 Clair Joined on 23/08/2004 ------- Forum Moderator ------- Lot (46) Posts 7,806 Re: Changes to medical reimbursements on 1 January 08 Following from Helen's post, my regular blood pressure med is available as a box of 90 tablets (= 3 months supply), but another daily med is only available as a box of 28. I pay 1x €0.50 and 3x €0.50 respectively over 3 months, disregarding the unrecoverable charge for the doctor's visit (€0.50 + €1.00). Clair Real Virtual French Person    Report

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France Forum » Living » Health » Re: Changes to medical reimbursements on 1 January 08

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