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Ultrasounds, blood tests, medical appointments, numerous examinations are necessary from the start of pregnancy.
Although most acts are covered by Social Security, some remaining costs may persist.
Rest assured, thanks to good mutual insurance, you can cancel your health costs linked to the start of pregnancy.
We'll explain!
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What medical care is covered at the start of pregnancy?
Health Insurance provides a very good level of reimbursement for pregnant women.
From the start of pregnancy, the majority of compulsory medical examinations are 100% covered by Social Security.
These include prenatal examinations, medical procedures linked to pregnancy (blood tests, consultations, etc.), blood sugar testing, amniocentesis, etc.
Only the first two obligatory ultrasounds are reimbursed at 70% by Social Security.
To obtain reimbursement of the remaining 30% and uncovered care, you must have good mutual insurance.
Please note: all medical care is fully reimbursed by Social Security from the 6th month of pregnancy.
This applies to care related or not to pregnancy (ultrasound, medications, hospitalization, dental, etc.).
Even the flat rate medical deductible of €1 does not apply to pregnant women.
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Early pregnancy: what mutual support?
Even though Social Security provides comprehensive coverage during pregnancy, there are certain expenses that can cost you dearly.
For example, excess fees if you consult a specialist doctor, costs of alternative medicine often popular with future mothers, etc.
Taking out mutual insurance offers you optimal health protection so you can experience your pregnancy with peace of mind.
Regarding coverage, it depends on your level of coverage.
A basic formula allows you to benefit from a reimbursement of the co-payment: part of the convention rate not reimbursed by Social Security.
With 150%, 200%, or even 300% mutual insurance, you benefit from ideal coverage of your care throughout your pregnancy.
It is advisable during pregnancy to choose mutual insurance with additional health guarantees.
Choose to extend your coverage to certain areas of care: alternative medicine, amount of private room, excess fees.
Please note that some health insurance plans also provide optional services (birth bonus, home help in the event of a cesarean section, etc.).
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How to get support from the start of pregnancy?
Whether for the Social Security part or for the mutual insurance part, it is imperative to declare your pregnancy.
This process is obligatory and must be carried out before the start of the second trimester of pregnancy.
How ?
Your gynecologist or midwife carries out a prenatal examination (often combined with the first ultrasound).
At the end of this consultation, the health professional prepares your declaration of pregnancy and transmits it to your CPAM (Primary Health Insurance Fund).
This declaration of the start of pregnancy allows Social Security to know your due date to adjust the rate of care coverage.
From this moment on, you can benefit from adequate health reimbursements with your pregnancy.
Remember to update your vital card at a pharmacy or your CPAM!
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