You can use alternative medicine, like many of you here. And would you like to benefit from better reimbursement for homeopathy?
The question of how to find a mutual that (well) reimburses homeopathy is coming up more and more often. Indeed, the social coverage of homeopathic medicines has gradually decreased over the years. Until total reimbursement was implemented on January 1, 2021.
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In 2014, I shared my experience with homeopathy to conceive faster. I sincerely believe that the treatments I followed at that time helped me speed up the arrival of this second pregnancy, although it is impossible to prove. This topic also seems to interest you, as you consult more than 2000 times in this article each month.
That is why today I am sharing this Contribution to the reimbursement of homeopathy. Here are some tips to help you find a mutual that pays better if you want to undergo such fertility treatment. Or if you are just a fan of homeopathic medicines.
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- Remember the homeopathy allowance
- The possible consequences of homeopathy costs
- How do you find a mutual to reimburse homeopathy?
- My tips to help you choose a successful homeopathy reimbursement What reimbursement
- mutual (well) homeopathy?
Estimated reading time: 4 minutes To get to the point:
To write this article, I used information from Bonne-assurance.com, a health mutual broker.
Also read how to take homeopathy to conceive faster?
Remember the disappointment of homeopathy
The disappointment of homeopathy is a topic that concerns me.
However, in 2014, I decided to purchase these homeopathic medicines from my personal budget. And I do not regret the investment, on the contrary.
But not everyone has the ability to buy these granules at full price. Since 2003, the coverage of these treatments has gradually decreased. In 2014, the reimbursement rate from social security for homeopathy fell to 30%.
And we arrive in 2021, where the reimbursement for homeopathy is reduced to nothing, which has several consequences.
Thus, mutuals are no longer necessary to reimburse homeopathy, but they remain the only ones that can help you reduce your peace of mind.
On the other hand, prices are no longer controlled by social security, and costs can increase. Especially since some have done everything to give homeopathy a bad reputation and sales have decreased…
I will explain all this in more detail below.
Possible consequences of the deception of homeopathy on prices
The disappointment of homeopathy leads to a very likely increase in the prices of these treatments.
This is due to the change in the VAT rate applicable to medicines not reimbursed by the social security system. This rate rises to 10% instead of 2.1% when it was reimbursed.
Laboratories producing homeopathic medicines can more easily increase their prices. As I mentioned earlier, the rules regarding reimbursed medicines no longer restrict them. However, some manufacturers claim that their prices will remain accessible.
This moderate increase should still be expected if you want to undergo a particular homeopathic treatment. To completely avoid paying for homeopathy out of pocket, you can already check what your current mutual can cover. It may be time to see if a new mutual will help you.
But how do you make your choice among the multitude of mutuals?
Also see homeopathy: the date of full payment and the list of affected products are now official.
How do you find a mutual fund that reimburses homeopathy?
In 2021, some common companies offered guarantees in the form of packages that could be used to reimburse homeopathic treatments.
These packages may be automatically included in the guarantees of a complementary health plan. You may need to add a paid option or an enhancement to your existing coverage.
The annual amount of these packages, including homeopathy, can be guaranteed up to €300 per year. But be careful, this mainly concerns high-quality mutual contracts or consultations with a homeopath.
Obtaining the enhancement, which guarantees €50 or more per annual package, is quite possible for non-reimbursed medicines, including homeopathy. Be careful, as these flat fees are often calculated based on 50% of your actual expenses. This means that if you spend €10, the mutual will only reimburse you €5 until you reach the annual limit. These are sometimes limited and difficult-to-understand conditions, but the coverage (if adjusted) is always welcome!
My tips to help you choose a successful homeopathy reimbursement
Whatever the plan offered by a particular mutual that reimburses homeopathy and appeals to you, remember before committing to properly assess the other guarantees of this contract. Will they fit your insured profile?
Think about the risks covered and the amount of your usual healthcare costs. All of this must be taken into account as part of the additional costs of this new complementary health contract.
The goal is not to find a mutual that only reimburses homeopathy well. You should also have a clear idea of the other important safety precautions that need to be chosen to adequately protect your health and health risks.
If you have to pay €30 more per month just to reimburse €50 per year for homeopathy, you will significantly reduce your savings. On the other hand, if there are other guarantees of additional costs that interest you, it might be worth it.
What mutual reimbursement (well) for homeopathy?
Sniffing around for a mutual that has the best reimbursement for homeopathy and does not charge more than that? Would you like to have a list of the best mutuals?
Unfortunately, I cannot provide you with a list of mutual insurance or health insurance that (well) reimburse homeopathy.
On one hand, there are thousands of mutual insurers in France. Each has several different complementary health plans that need to be studied.
On the other hand, the guarantees of these many contracts can change from year to year. Indeed, if this list existed, it would not be viable or reliable in the long term.
Finally, positive developments are still possible in the coming years. We can imagine that more mutual insurers and health insurance will offer homeopathic coverage. Specific contracts or integrated into one of their packages.
Regularly check your health contract. Today, after a year of membership, you can leave your mutual at any time. It is ideal for competing and benefiting from the latest reporting advances 😉
And let’s believe in the potential of natural alternatives and become increasingly committed to these mutuals in this direction 🙂.
If your investment fund reimburses homeopathy well or partially, feel free to share your experience as a comment. Your statement could be helpful for future readers looking for the most concrete assistance possible to make their choice!
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