For several years we’ve been with the local Mutuelle Familiale de Normandie. It was small, and not very quick at answering questions, but with many local medical encounters we handed over the CV and mutuelle cards and as if by magic, we did not need to pay anything to the provider.
We’ve just changed to Credit Ag’s in-house insurer. Pacifica.
From the policy paperwork it looks as though they want: estimates in advance before approving treatment, and then us to pay the bill and obtain a detailed receipt to claim reimbursement.
Any clues as to how long both approval and remboursement are likely to take? One could mean a holdup for treatment and the other could hit our pension cashflow!
And what happens if, eg, the dentist or cardiologist decides during a consultation that some immediate procedure is needed?