The costs relating to optical needs fall within the scope of social security coverage. Indeed, anyone who is part of the social protection system can benefit from coverage, which can be supplemented by mutual insurance. How are optical expenses reimbursed?
Find a good health supplement
To find a mutual leading to a good complementary health, certain details are to be taken into account. The search for mutual insurance must be preceded by an assessment of the needs and the budget for health coverage.
Depending on the nature of the patient’s needs, habits, situation and possibilities, the choice of a complementary health insurance will be made.
Budget and needs assessment
To find a good health supplement, it is essential to determine the real needs. At the same time, it is important to determine the budget to be committed to cover optical needs. If the budget is limited, it is necessary to choose an inexpensive mutual insurance company.
Once the budget and the needs have been defined, you must use an online mutual insurance comparator. However, it is also possible to request a mutual quote. To do this, all you have to do is fill in your needs to find the best offer.
What are the basic reimbursement rates for Social Security?
Each person will benefit from the tariff base provided by the health insurance. In the event that Social Security provides a fixed rate then the rates vary according to the degree of the correction and according to age.
Basic rates of reimbursement for minors
For minors with optical needs, support for the frame is up to 60%. This rate is established on the basis of a tariff of 30.49 euros.
For glasses, it will be necessary to take into account the correction. Social Security provides reimbursement of 60% on the basis of 12.04 euros.
Basic rates of reimbursement for adults
Among adults, reimbursement is very low. Support for the frame is 60% on a basis of 2.84 euros. It rises to 60% when the amount increases and reaches a value of 24.54 euros.
What is the “100% health” reform?
This is a government mechanism whose objective is to ensure access to healthcare for all. With this reform, you have the possibility of benefiting from full coverage with mutual health insurance and benefiting from Social Security for the coverage of a certain number of medical expenses.
Remember that thanks to this reform, since January 1, 2021, all people benefiting from mutual health insurance have access to a multitude of optical, dental and audio equipment that is fully covered. Thus, insurers are required to offer a 100% complementary offer in their contracts.