how do health insurance deductibles work
How to stop illness or accident controls the medical officer working in case?
Mutual Health: A third of employees waves heal lack of money
32% of employees without some health expenditure, for financial reasons. It is especially those who have no mutual business, women and employees.
The work is health. Except that the work does not always heal well. Far from it, since 32% of private sector employees report having sought care for financial reasons, according to a poll by YouGov for the firm of Human Resources and Social Welfare, Mercer.
We first note that employees who do not have additional health within their company, are obviously the most affected (37% of them). Women are also more severely affected than men with 37% of them who resign themselves to not treat against 27% for men. A significant proportion of employees (34%) in the same situation and even managers are not spared (27% of CSP + / professional social categories).
"More broadly, the renunciation of care has far exceeded the issue of insecurity since employees of different socio-professional categories have already had to forgo care," said Vincent Harel, director of solutions at Mercer My department.
Generalization of the complementary health business
In an attempt to reduce these inequalities, the government decided to mandate coverage for all employees by a complementary health business under a collective agreement. The generalization of this mutual business must be effective in all enterprises by 1 January 2016. Today, 57% of employees surveyed say they have such mutual.
But through this survey, we see that even covered employees are sometimes forced to refrain from treating the wallet pierced. There are 28% of employees covered by their company who give complementary health care for financial reasons.
The generalization of the complementary health businesses could also be a minimum, employers (SME-VSE) to equip their employees would negotiate the lowest possible mutual. In this context, the option of a surcomplémentaire is considered by employees to meet specific needs (ego optical) that are not supported by the mutual companies. According to the survey, nearly 4 out of 10 French would use it if repayments Mutual were to fall.
The situation remains difficult. And other reforms may be fear, year after year, a deterioration of the situation. First, a ceiling on reimbursement of mutual envisaged by the government to put pressure on healthcare professionals so that they lower their prices. But otherwise, the rest load (which is still not reimbursed by the compulsory health insurance or by mutual) insured increase. Thus, 57% of respondents reported insufficient amounts optical repayments levels qu'envisageraient government.
Then, from this year, employees can deduct from their taxes the share paid by their employers for their mutual business. "If they had to make a choice, 6 out of 10 French prefer to maintain the employer contribution to their mutual equivalent to an increase of salary," notes the Mercer survey, confirming the attachment of the French to their mutual.
No comments