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Medically Assisted Reproduction is a medical procedure reimbursed by Health Insurance at 100%!
Thanks to the 100% sterility system, Social Security covers the entire convention rate for care and consultations linked to the PMA course.
However, depending on the center chosen and your mutual contract, there may still be a sometimes high out-of-pocket cost.
Fee overruns, private clinic, find out how to choose the right health insurance during your PMA journey!
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What is PMA?
Before looking at PMA care in France, here is an explanation of medically assisted procreation techniques.
There are 2 types of PMA covered by Health Insurance:
IVF (In Vitro Fertilization)
Intrauterine artificial insemination
PMA is a long and expensive treatment process: €4,000 on average according to Health Insurance for follow-up in a public center.
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What is 100% sterility in the PMA course?
Social Security provides the 100% sterility system as part of the PMA course.
This is comprehensive coverage of all necessary care.
Please note, 100% reimbursement applies for procedures provided by approved practitioners and according to the agreed rate.
What does this imply?
Excess fees or medical procedures carried out in a private clinic or by a non-approved doctor are not reimbursed.
Here, you must have a mutual fund that reimburses excess fees to absorb the remainder!
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PMA: what are the conditions for being reimbursed?
Reimbursement of the PMA is subject to conditions.
Social Security limits its coverage to 4 complete cycles of IVF or insemination (embryo transfer).
Clearly, if the embryo transfer does not take place, no counting is carried out.
In case of pregnancy?
The counter is reset to zero during a pregnancy carried to term with delivery.
In France, PMA is no longer covered after the age of 43 for women using assisted procreation.
Furthermore, you must make a prior request for PMA to your doctor.
This is a document to complete to obtain approval for coverage by Health Insurance.
Did you know?
Stop preconceived ideas: a diagnosis of infertility or sterility is not mandatory to have PMA care.
If you have been trying to have a baby for more than 1 year without success, your doctor has the right to request treatment!
Which mutual insurance company should I choose for a PMA?
Despite the 100% sterility system, health expenses linked to the PMA course can be expensive.
It is medical monitoring which requires the intervention of specialist doctors and the use of often expensive techniques.
Fee overruns are almost inevitable during a PMA.
Depending on the location of your clinic, you may also have travel expenses.
Clearly, for optimal care of your PMA journey, good mutual insurance is essential.
So which mutual fund should you choose for your PMA journey?
We recommend a mutual with a high reimbursement of excess fees: at least a mutual with 200% of the BRSS (Social Security Reimbursement Base).
It may also be wise to opt for mutual insurance with a package for assistance with procreation, or even travel coverage...
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