Question 26866 — maternity health insurance

Summary

Ms. Martine Wonner alerts the Minister of Solidarity and Health to the consequences of the implementation of the “100% health” reform. Since January 1, 2020, this reform has entered its second phase with the obligation for opticians and dentists with regard to crowns and bridges to offer a formula with zero out-of-pocket costs for the patient. That concerning the hearing aid will be applied in 2021. It is because many citizens refused to equip themselves with a pair of glasses, to have a dental prosthesis fitted or to equip themselves with a hearing aid that the President of the Republic was committed to ensuring that all French people have access to quality care. This care will therefore be fully covered by social security and complementary health insurance, in the field of optics, audiology and dental. These measures will improve access to quality care and ultimately strengthen prevention. We can really welcome these measures, which guarantee increased access to care with multiple social, health and economic benefits. These new measures are part of an overall plan to slow down health spending by 1.5% per year. Mutuals could nevertheless be tempted to compensate for the “ remains at zero charge", particularly for entry-level dental and hearing aids, even if they have committed to the Government not to pass this provision on in the prices. The entry into force this year of the law of July 24, 2019 will allow policyholders to terminate their health contracts at any time and free of charge; However, the risk that economic logic imposes itself on insurers cannot be ruled out. Mr. the minister himself estimated at 50 million euros per year on average the effort that will be required of them, out of a total cost of 1 billion euros by 2023. She asks him, in view of the results of the study carried out by the UFC-Que Choisir which reveals a massive inflation in 2020 of health insurance contracts, in order to reassure citizens and for this flagship measure to be a total success, to indicate to her the measures the Government intends implemented to ensure that the actors actually keep their commitments and that they do not compensate for the basket remaining at zero cost through increases in contributions.

Machine translation from French. The official text remains authoritative.

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