RSA, activity bonus, minimum old age… Beneficiaries of social minima are clearly less well covered than the rest of the population in the face of health problems. One benefit out of six is not complementary according to a study by DREES.
Have you ever given up [lors des 12 derniers mois] a doctor’s consultation for financial reasons? To this question, 16% recipients of social minima – RSA, ASS, AAH, minimum old age, activity bonus – answered yes against 5% for the whole population. And near 30% of these same beneficiaries have waive dental treatment, compared to 17% for the population as a whole. Why this waiver of health costs? In particular because these beneficiaries are among the populations least protected against health expenditure, according to a study by the Department of Research, Studies, Evaluation and Statistics (Drees) relating to figures at the end of 2018 but published on Tuesday 21 June.
However, there are two dedicated systems to help them: complementary universal health cover (CMU-C) and assistance with the payment of complementary health insurance (ACS). Problem: In 2018, the CMU-C and the ACS remain largely unknown: 30% of recipients of social minima do not know the CMU-C and 75% the ACS. Since then, these two systems have merged to become the supplementary health insurance or CSS – without financial participation – but it is too early to know whether this new feature has improved understanding of the aid schemes for health coverage.
Complementary solidarity health: who can benefit from it?
Car insurance : save up to 340 € thanks our online comparator
Health insurance: 83% of beneficiaries of social minima covered compared to 96% of French people
Result: due to a lack of knowledge of these support systems and the cost of complementary health insurance, many beneficiaries of social minima are deprived of health expenses, planned or unforeseen. 83% of them and 92% of beneficiaries of the activity bonus are covered by complementary health, compared to 96% of the population as a whole, underlines the DREES in its study.
APL, alloc’, RSA… Discover all the social aid to which you are entitled
Worse: the recipients of the active solidarity income (RSA) are only covered at 81%, that is to say one recipient of the RSA in five. The CMU-C, since replaced by the CSS, still concerns two thirds of RSA recipients. But these 67% are ultimately a fairly low proportion since, as the DREEs points out, RSA beneficiaries are automatically eligible for universal health coverage. A phenomenon that can be explained both by ignorance and conscious non-use, faced with the complexity of the perception of the procedures, the idea that a complementary is not necessary or quite simply the fact of being already covered by another mutual.
Save on your health insurance