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Percentages for mutuelles

Posted by woody-383477 - Created: 3 years ago
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4 replies (Showing replies: 1 to 4)

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Posted by Kanak - 3 years ago

e.g.  Rennes is a teaching hospital and loads of surgeons charge extra, also applies for r.d.v.' s and check-ups, but by law it must be posted in the waiting room.

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Posted by LeParigot - 3 years ago

Hi

If you don't go to a private clinic but only hospital, a 100 pc mutuelle cover is good .

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Posted by airpo - 3 years ago

My understanding is that the Government set a tarrif (price) for every procedure which is the 100% but some doctors/hospitals etc. charge more than the Government tarrif.

If your policy only covers 100% then they will only pay out the Government tarrif, leaving you to pay the excess, whereas a 200% policy will pay out upto twice the government tarrif, and so on.

Unfortunatly there seems to be no way of knowing what doctors/hospitals charge until you actually need them.

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Posted by countrydweller - 3 years ago

Every procedure/medication etc has an "official" price.This is the 100% tariff on mutuelles so if something costs €100 CPAM pays 70 your mutuelle pays 30.So you get the official price paid.However some doctors hospitals etc may charge more than the official price either because of their location eg Paris or ecause the specialist has an inflated view of his worth.So if the hospital charges 120 for the procedure and you have a mutuelle CPAM pays 70 mutuelle 30 and you pay 20 to make up the difference if you have a 100%mutuelle.If you choose to have say a 150% then you would pay nothing but obviously the premium will be higher.Generally in Brittany most places charge at the official rate as far as I know but others may have a different experience.Shop around for mutuelles and only get the cover you need according to your situation.When you are in the system you can check on the Ameli website what  Drs or institions charge