The French healthcare system is experiencing changes in consultation fees for general practitioners and specialists. These changes will take effect from December 22, 2024, and are part of a new agreement between the French Assurance Maladie and private practitioners.
The new rates will be in place for five years, resulting in a significant adjustment in the cost structure of medical consultations in France. The fee for a general practitioner will rise from €26.50 to €30, while specialist consultation fees will also see an increase. This is not a standalone event, as some tariffs are expected to undergo a second increase in July 2025.
In exchange for these higher fees, practitioners are required to reduce their prescriptions for medications, examinations, and medical leave to control healthcare costs.
As consultation fees rise, the reimbursement landscape is also changing. The Social Security reimbursement rate for these procedures will decrease from 70% to 65% in the upcoming year. This reduction will result in higher out-of-pocket expenses for patients, as the patient's portion of the agreed tariff will increase. For example, with the new general practitioner fee set at €30, patients will need to pay a €2 fixed contribution, except for consultations involving patients under 18.
These changes have implications not only for individual patients but also for the mutual health insurance market. As the costs of medical consultations increase, mutual health insurance companies are expected to face a significant financial burden. Projections suggest that rates could increase by up to 10% in 2025 as insurers adjust to the new reimbursement rates and overall healthcare cost structure. This anticipated rise in premiums will likely impact policyholders, who may have to pay more for their health coverage.
To mitigate the impact of rising costs, patients are encouraged to actively compare health insurance offers. The complementary health insurance market in France is competitive, providing consumers with various options to choose from. Using online health insurance comparators can help individuals find the most suitable contracts that align with their needs and budget, potentially saving over €300 annually for equivalent coverage.
Policyholders should also remain vigilant about their health insurance contracts. The right to cancel a policy after one year allows consumers to reassess their coverage and explore better rates in the market. Regularly questioning the level of protection and comparing it with competitors can lead to significant savings and ensure that individuals are not overpaying for their health insurance.
As the healthcare system adapts to these new financial realities, both patients and insurers will need to navigate a landscape marked by rising costs and changing reimbursement structures. Proactive financial planning is crucial in managing healthcare expenses in France.