I am so confused! I have had a carte vitale since the system was inaugurated and I have a mutuelle with Pacifica.
Until recently we were eligible for the CMU complimentaire and most things were funded without our making a payment. Now we have our UK pensions our income has surpassed the limit which is why we took out a mutuelle. I understand I have make payments in advance and these are refunded and this has certainly been the system we have experienced for the last 15 months. No problems there.
However, unfortunately I have recently been diagnosed with breast cancer and now the confusion has arisen.
I was sent by my GP to see the specialist. He works at a Clinique not the hospital. I was told there would be a depassement of 300€. My husband and I assumed this was normal. I see my mutuelle will refund 100€. We agreed that 200€ was not a lot ( however much a strain on the budget) to pay for life saving surgery. I then received a letter from the CPAM. The treatments for the cancer are at 100%. I updated my carte vitale. I went to see the anaesthetist. His secretary told me the card said 100%. I had to pay 70€. Another depassement I assume?
I am now totally confused. I had the op on Monday. I paid 372€ on leaving the clinique. I have a bill to send to the mutuelle. I had 2 other procedures as preparation for the op in a radiologists and nuclear medecine department of a different hospital. No charge. The taxi between hospitals was also no charge.
In this instance, if I am not reimbursed, I will not complain but for the future my question is How do I know before I see a specialist? Do you always have to pay a depassment or are there ways to have cheaper services? What should I be asking? I have a friend who is very worried she won't be able to fund treatments and what does the 100% on my card actually cover.
Hopefully someone out there will have the answers to my confusion.