5. French Health Insurance Card - 'Carte Vitale'
Historically, if you received medical treatment in France other than as a hospital in-patient, you were obliged to pay at the end of your treatment and later receive reimbursement from the social security system, as well as your 'top-up' insurer if you had one.
The process of recovery of charges required that patients submit a receipt for the treatment (feuille de soins) to the local health authority, the Caisse Primaire d'Assurance Maladie.
This system still remains in place with a small minority of GPs and some consultants, but the paper based process has been streamlined and automated with the issue to registered individuals of a plastic photo identity health insurance card.
The card is called the Carte Vitale.
It is embedded with a microchip and contains your social security insurance number.
The card does not include medical information, although the government have introduced a voluntary on-line personal record system.
Everyone aged 16+ years of age is required to have one. Children under 16 years are included on the card of their parent or guardian.
You will need to update (mettre a jour) your card each year, which you can normally do in a chemist or via your doctor.
When you receive medical treatment the card is presented to your French doctor/chemist who places it into a card reader enabling you to later obtain direct reimbursement from the insurance fund, rather than having to submit a feuille de soins.
The carte vitale is not a payment card.
Nevertheless, for most people today use of the card enables patients to obtain direct payment of at least some of their medical costs, a process called 'tiers payant'.
Many patients also automatically benefit from tiers payant for that part of the charge reimbursable by the state, notably:
Those who have been admitted to hospital;
Those suffering from a major or long-term illness - affection longue durée (ALD);
Beneficiaries of the Couverture Maladie Universelle Complémentaire (CMC-C);
Beneficiaries of Aide à l’acquisition d’une Complémentaire Santé (ACS);
Those suffering from a work-related illness or disease;
Those undertaking organised screening, such as a mammography.
In other cases doctors and consultants have the discretion to decide whether they are prepared to accept tiers payant, but it is in operation in the majority of GP surgeries.
If you have a complementary health insurance policy many GPs also offer the tiers payant mutuelles/complémentaire, under which the insurers are notified of their charge by the social security system and the doctor is reimbursed by them. The practice is less common among specialist consultants and dentists.
Where complete direct payment occurs then the tiers payant process is called ‘intégral’; where only the state reimbursable part of the charge is paid direct then it is stated to be ‘partiel’, unless that charge is fully reimbursable by the state.
The process is also in place for laboratory tests and x-rays and has been used by pharmacies for many years, where it is almost universal. Thus, if you visit a chemist armed with a prescription from your doctor that part of the charge reimbursable by the health system will be paid directly, with any balance payable direct by your insurer, subject to the terms of your policy. Only if you refused a generic medicine, in lieu of a branded medicine, would a chemist not offer it, unless your doctor had made it clear the prescribed medicine could not be substituted.
The system of tiers payant does not always mean that all charges will be covered. Some charges may remain the responsibility of the patient, such as the various 'participations forfaitaires', which will appear on your medical treatment and bank statements. If you do not have complementary health cover that part of the charge not reimbursed by the state will be payable by you at the point of delivery.
In addition, an increasing number of consultants impose charges over and above the official tariff. These charges are called dépassements d'honoraires. The extent to which they are picked up by your complementary policy will depend on the terms of the policy.
The government have been seeking to make universal the system of tiers payant. However, there has been resistance to the change from the medical profession, who consider that there remain many technical barriers to the adoption of the system, such that payment for the consultation cannot be guaranteed. As a result, the government have backed off and the existing arrangements remain in place whilst a working party examines the issue in greater detail.
The system of tiers payant is only possible once you have obtained your ‘carte vitale’.
Prior to obtaining your card you will need to pay for treatment at the point of care, for which you will be given a feuille de soins, which you send to your local health authority for reimbursement (full or partial) to be made.
If you also have complementary health insurance, most insurers are linked into the social system through which their share of the charge will also be reimbursed.
If no direct payment by your health insurer is in place you will need to send the receipt for payment - relevé de remboursement - you receive from the health system to your insurer.
You should normally expect to receive reimbursement directly into your bank account within a week.
Once you have your social security number you can open an account with Ameli, the official website of the main health insurance system in France, the Caisse nationale d'assurance maladie (Cnam).
With the account you can monitor the progress of your reimbursements, as well as being able to undertake other administrative tasks.
This account is of no use to those who run a business in France, who must use the website of their accredited administrator (often RAM).
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