Navigating French Healthcare: Understanding Your 'Mutuelle'

So, you’ve navigated the French bureaucracy, conquered the paperwork, and finally have your Carte Vitale and social security number from the CPAM (Caisse Primaire d'Assurance Maladie). Congratulations! That is a huge milestone. If you would like to learn more about the CPAM registration process, you can consult my guide here.

The next essential step in setting up your life in France is choosing a mutuelle, or top-up health insurance.

What is a Mutuelle and Why Do I Need One?

To understand why a mutuelle is necessary, it helps to think of the French healthcare system in two parts.

1. The Foundation (CPAM): The state-run system provides fantastic foundational coverage. However, it only reimburses a portion of your medical costs—typically around 70% for a standard doctor's visit.

2. The Top-Up (Mutuelle): The remaining 30% (along with other potential costs) is where a mutuelle comes in. This private, supplementary insurance covers most, if not all, of the portion left over by the CPAM.

While state coverage is excellent, out-of-pocket costs can add up quickly, especially for specialist appointments, dental work, or hospital stays. Having a mutuelle is a must for financial peace of mind for anyone living in France. Once you have your social security number, you are eligible to sign up.

How It Works With Your Carte Vitale

The best part of the French system is how seamlessly the private and public sectors interact. When you sign up for a mutuelle, you provide them with your social security number. They link their system directly to the CPAM and your Carte Vitale.

Understanding "Tiers Payant"

This link enables a system called "tiers payant" (third-party payment).

• With Tiers Payant: When you visit a doctor or pharmacy using this system (which most do), you simply present your Carte Vitale. The computer automatically calculates what is covered by the CPAM and what is covered by your mutuelle. You usually pay nothing upfront, or only a very small remaining amount.

• Without Tiers Payant: If a provider doesn't use the system, you pay the full amount upfront. However, when they scan your Carte Vitale, the claim is sent electronically to the CPAM. The CPAM reimburses its portion to your bank account and then automatically forwards the claim to your mutuelle, which reimburses its share shortly after.

English Speaking Option: Feather Insurance

There are dozens of companies offering mutuelles, from large insurers to smaller, specialized groups. The choice is highly personal.

For our family (two adults in their 40s and a teenager), we got a quote from Feather Insurance

• Cost: €120 - 295 euros a month

• Coverage: This plan includes the French government's "100% Santé" program. This is a fantastic benefit ensuring that a specific selection of glasses, hearing aids, and dental work is covered at 100%, with zero out-of-pocket cost for the very basic options.

What I found interesting with Feather is that they cover up to 30 days per trip for trips outside of France. I personally don't see the value of the higher priced plans and would pick a plan between 120 euros and 165 euros. The 295 euros per month plan includes expensive glasses, dental work, hearing aids, more expensive specialists, etc. The premium plan includes 270% of the government rate for doctors visits while the lower cost plan includes 120%. My doctor in Rennes charges the government rate. My eye doctor is 3 times the government rate due to a childhood eye disability, yet that costs me only 50 euros every 2 years so still don't make it worth buying a premium mutuelle for me. I don't see myself using these services as I am relatively healthy. I would prefer to save over 100 euros a month and just pay those services out of pocket.

You can get a quote for the Feather Mutuelle through my referral link here

Another great option April Santé (+ Cashback Offer)

I am planning to move our coverage to April Santé. I had a policy with them during a previous stay in France and was always very pleased with their customer service and clear communication.

A great bonus is that April Santé currently offers €20 cashback if you sign up through the cashback site iGraal. If you are not already a member of iGraal, it's a great way to save money on all sorts of online purchases in France.

• Step 1: Sign up for iGraal using my referral link here: Click to Join iGraal

• Step 2: Once you have an account, find the April Santé offer here: April Santé

If you are wanting a 100% English Speaking company with great customer service, I would recommend considering Feather which also offers a great visa compliant health insurance option. Click here for additional details on Feather's mutuelle.

Tips for Choosing Your Own Mutuelle

The right mutuelle for you is an individual decision. April Santé and many other providers allow you to select different tiers of coverage. When comparing plans, consider your family's specific needs:

• Optical: Do you or your family members wear glasses or contacts? Higher-tier plans offer better reimbursement for designer frames and lenses outside the "100% Santé" selection.

• Dental: Do you anticipate needing crowns, implants, or orthodontics? These can be very expensive, so a good dental package is crucial.

• Specialists & Alternative Medicine: Do you see specialists who charge above the standard rate (dépassements d'honoraires) or want coverage for things like osteopathy?

• Hospitalization: Look for plans that cover a private room and other hospital-related comforts.

The Fine Print: Contracts and Cancellation

Signing up is usually a simple online process. However, keep in mind that when you choose a mutuelle, you are typically locked into a one-year contract.

The main exception to this rule is employment. If you get a job in France, many employers offer and require you to take their company's mutuelle plan. Starting a new job with a mandatory company plan is a valid legal reason to cancel your personal mutuelle mid-contract.

We had a recent broken bone in the family and with our low cost mutuelle, we didn't pay a single cent out of pocket. Lots of Americans might think they need the 300 euros a month mutuelle, but usually the mid-tier mutuelles offer great coverage except for expensive glasses or dental work. For example, the lower cost plans only cover 260 euros for glasses while higher cost plans cover 420 euros.

Final Thoughts

If you are looking for English speaking and excellent customer service, I would recommend Feather. If you are happy with a more French oriented mutuelle, I would recommend April Sante. If you are employed in France, I would reach out to your employer as they likely subsidize your mutuelle. Good luck with your search, and enjoy the peace of mind that comes with being fully covered in France's excellent healthcare system! If you have any questions on the process, feel free to e-mail me at mybestmoneylife@gmail.com or if you would like a more in depth consultation for your move to France, you can schedule a consultation here