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Multi-professional structures with legal personality and formed between medical professionals, medical assistants or pharmacists
”, according to the definition of the Ministry of Labor, Health and Solidarity, the health homes in operation numbered 2,251 , in March 2023. The objective would be to reach 4,000 healthcare homes in France. Today, no less than 32,000 professionals work there and 8.9 million patients have their attending physician there. Subscribing to mutual insurance allows you to benefit from attractive reimbursements.
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What is the difference between a medical home, a health home and a health center?
A medical center on call, made up of doctors and health professionals, brings together the structures ensuring ongoing care when medical establishments are closed. This is a relay, often accessible between 8 p.m. and 8 a.m. the next morning.
The multidisciplinary health center (MSP) is a place bringing together health professionals who practice privately. These may be general practitioners, nurses, pharmacists, masseurs-physiotherapists, dental surgeons, speech therapists, chiropodists-podiatrists, etc. A common health project unites all these professionals.
Finally, the health center, mainly located in disadvantaged urban areas, fulfills a social mission of access to care for all. Third-party payment and conventional rates are practiced there, including for gynecology or ophthalmology.
Having a mutual insurance contract allows you to reduce health costs for these different health professionals.
How does a multidisciplinary health center work?
One of the objectives of health centers is to attract and maintain doctors in areas lacking in healthcare provision. Health centers are financed by public funds: a multi-year contract of objectives and means is drawn up with the regional health agency, to qualify for payment of financial aid. Liberal practitioners pay their rents to communities.
Health home: how to get reimbursed for care from your mutual insurance company?
If you consult a general practitioner or a health professional who is in a health home, reimbursement from social security and mutual insurance is done under the same conditions as elsewhere. Regardless of where you receive care, the role of mutual insurance is essential.
Thus, for a consultation with a general practitioner at €26.50, Health Insurance covers €17.50, or 70% reimbursed. A fixed contribution of €1 is also retained (this will always remain your responsibility). Your mutual insurance company can cover the remaining €6.50.
For a medical assistant, such as a masseur-physiotherapist, whose fees are €16.13 per session, Health Insurance covers €9.68, or 60% reimbursed. The remaining sum of €5.95 can be covered by your mutual insurance without forgetting the medical excess of 50 cents.
A consultation with a specialist practitioner will cost at least 31.50 euros.
How to choose the best mutual?
The best mutual is always the mutual that best adapts to your profile and your health needs. You may benefit from switching to family mutual insurance. Or towards mutual insurance designed for seniors. Or even for students. Health insurance offers different levels of coverage with more or less significant out-of-pocket costs. Among the multitude of existing offers, it is not always easy to find your way around. Compare and make your choice!