Retirees facing the increase in health contributions & solutions to counter it

I. MANAGEMENT OF HEALTH EXPENDITURE

1. Difficulty paying certain health expenses

2. Change in health consumption

3. Opinion on the remainder payable in optics and dentistry

4. Avoidance of professionals who overcharge fees

II. APPEAL FOR SOLUTIONS TO LIMIT THE RESPONSIBILITIES

1. Use of quote analysis and interest in the out-of-pocket simulator

2. Knowledge, interest and use of healthcare networks

3. Knowledge and use of 100% health in optics and dentistry

III. PERCEPTION OF THE HEALTH INSURER, UNDERSTANDING OF THE INCREASE IN THE PREMIUM AND BARRIERS TO CHANGE

1. Perception of the health insurer relative to other operators

2. Understanding the contribution increase suffered in 2024

3. Actual or planned reactions to the contribution increase

4. Obstacles to changing operator

IV. PREDISPOSITION TO REVIEW THE LEVEL OF COVERAGE DOWNWARDS

1. A priori predispositions to revise the level of coverage downwards and positions spontaneously mentioned

2. Predispositions to reduce optical and dental positions

3. Predispositions to reduce other positions: fee overruns, home assistance, private room in the event of hospitalization and/or medications at Moderate and Low Medical Service

V. APPETITE FOR “ALTERNATIVE” HEALTH INSURANCE

1. Hospitalization insurance only

2. Hospitalization insurance + routine care

3. Hospitalization insurance + routine care + single global package for expenses incurred in optical, dental and/or audiology

4. Health insurance including a fixed deductible on certain expensive procedures

5. Municipal/regional insurance

6. Insurance adaptable over time

7. Preferences between the 6 alternatives and required conditions