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Mutuelles


Lehaut
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Having moved regions over two years ago, thought it was about time to move banks (CA Normandie to CA Loire-Atlantique (or LA as the hip term!)).   The bank mobility programme has swung into operation to change over all the virements etc, so far so good.  However, the change notice for the Mutuelle also came in with the costs for next year.  We have only the basic level one cover with the bank, and its going up 11%, far ahead of any inflation or price indexing wages, pensions etc.  A quick google showed that the government asked the providers to limit their increases to 4%, but a toothless request.

Our mayors office has a "Mutuelles solidaires : l’accès aux soins pour tous" system which, on paper, provides a similar cover for a lower (30 € a month) premium for 2 people.  Anyone had any experience of these?

 

 
 
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Don't forget that the price goes up each year as you get older, so it isn't just a question of an increase for the same thing.

Since I was 70 mine has been going up a lot each year.

I have stuck with mine since I believe(perhaps erroneously) that it becomes more and more  difficult to find one that will accept a new member as you get oldee.

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6 hours ago, Lehaut said:

Having moved regions over two years ago, thought it was about time to move banks (CA Normandie to CA Loire-Atlantique (or LA as the hip term!)).   The bank mobility programme has swung into operation to change over all the virements etc, so far so good.  However, the change notice for the Mutuelle also came in with the costs for next year.  We have only the basic level one cover with the bank, and its going up 11%, far ahead of any inflation or price indexing wages, pensions etc.  A quick google showed that the government asked the providers to limit their increases to 4%, but a toothless request.

Our mayors office has a "Mutuelles solidaires : l’accès aux soins pour tous" system which, on paper, provides a similar cover for a lower (30 € a month) premium for 2 people.  Anyone had any experience of these?

 

 
 

Presumably your Mairie has shopped around for a good/the best deal. We have now scraped in for cover under CSS, but I think our previous mutuelle, Sofica's, through a broker in Bordeaux, gave us as good a deal as any, and they were straightforward to deal with.

Unlike some we checked out, they covered all co-payments, rather than just some with specific percentage rates.

One policy we checked covered only those items covered by Assurance Maladie at 65% and over. We frequently have prescription items with a rate of 60% and less, which if we had to pay for in full would amount to quite a large sum over a year.

Edited by ssomon
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  • 7 months later...

I have had rather a lot to do with mutuelles the last few years, as in asking them for money, rather than the other way round.

I looked at those mutuelles solidaires ones that Lehaut has mentioned but didn't find one that had a better price than an existing one that we had.

A couple of years ago, AXA had a "recruiting" customers drive and I went for the talk and a few of us in our village signed up.  Best thing I ever did; we got 30% off the first year and the same percentage off EVERY year after that.

What Norman has said about getting older and paying more and more companies refusing to accept older folk is spot on.  That is exactly what I have found. 

So, if you are of a more advanced age (yes, the "cut-off" seems to be 70), it's worth looking to see if the new company would accept you before asking for a quote.

We have the basic 100% for most things and a higher rate for hospitalisations.  This has been brilliant for me as most of the "honoraires" over-and-above fees of specialists, anaesthetists etc have been covered.  Earlier this week, when I returned home from hospital, the mutuelle had arranged an aide domicile to come to the house the day of my discharge.

I was pretty chuffed when the AD finished my ironing and washed the floors while I went out to the pharmacie to get the pills, potions, bandages etc.

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Thank you, dear Loiseau and thank you Wools.

Won't take long but not permitted to do anything "trop physique". Everyone nagging me about not doing things.  Will ask when I can act normal again when I see  the surgeon in a couple of weeks' time.  The great man is even going to take out the stitches himself!!  Can't have better treatment anywhere in the world, I reckon.

Canicule has, if nothing else, stopped me even attempting to leave the house....too damn hot to move!

Just telling OH we should have moved to the Somme....

Everybody, PLEASE look after yourself and be sensible🙂

 

 

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