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"Health care is expensive!" False! With the right information you can have affordable health care


How are health costs determined?

No matter which health professional you see, from general practitioners to specialists, hospitals and pharmacies, this will involve health expenses, and aside from some cases of hospitalization which are 100% covered by the Assurance Maladie, health expenses are almost always split in two parts:

  1. The so-called "mandatory" portion ("part obligatoire"): this portion is covered by the Assurance Maladie;
     
  2. The co-payment, also called "ticket modérateur": this is the portion you will have to cover yourself, so be sure to read the following paragraphs!


Options to cover or help you cover your co-payment, the "ticket modérateur"

If you are seeing a health professional (gynecologist, ophthalmologist, optician, dentist, etc.), you may take out supplementary health insurance with a supplementary health insurance plan or a health mutual: you will pay an annual contribution to these organizations, and in return they will cover the co-payment, in part or in full, depending on the plan you have chosen.

If you regularly see a health professional but you cannot afford supplementary health insurance within your budget, you have two options:

Complémentaire santé solidaire

Starting on November 1, 2019, the CMU-C and ACS merge to give way to a simpler device: the Complémentaire santé solidaire (financial help to cover your health expenses if you are on a tight budget). This allows access to quality care without dependents, for no or limited financial participation.

Find out more (FR)