Why dental care could cost you more in France from October
You can expect higher dental costs in France from October 1st, unless you have private top-up health insurance. Here's why.
If you are receiving dental care with a public sector, or conventionné, dentist in France, you are currently eligible to have up to 70 percent of fees reimbursed by the French social security system (Assurance maladie). To benefit from this, you will need to be registered in the system, which is best done by acquiring a carte vitale.
READ MORE: Healthcare in France: The essential French vocabulary you'll need if you're ill
But from October 1st, only around 60 percent of these fees will be reimbursed by the Assurance maladie - a move that the government hopes will save €500 million each year to help a heavily indebted health system.
If you have a mutuelle (private health insurance), then the rest of the cost (or a large portion of it) will likely be covered by them, although it's always worth checking in advance.
If you don't have a mutuelle, you will have to make up the rest of the cost yourself. According to the consumer association, Que Choisir, some 2.5 million French people do not have private health insurance.
Analysts believe that as a result of these reforms, the cost of mutuelles will increase further - with private insurers arguing that they will have greater overheads. The average price of a mutuelle has been projected to rise by 4.7 percent by the end of the year, in part as a result of inflation.
READ MORE: Medical appointments in France to increase in price
Which dentists are covered by social security?
When booking a dental appointment in France, it is worth looking for dentists who are conventionné. If you are booking through the Doctolib website, which we would highly recommend, you can filter your search to only show dentists with this status.
A dentist who is conventionné secteur 1 charges the standard tariffs set by the government - for example a simple consultation will cost €23, a hygienist appointment will cost €28.92 and the removal of an adult tooth will cost €33.44.
Currently, if you are covered by social security, 70 percent of these costs will be reimbursed, but this will soon fall to 60 percent. The rest of the costs will likely be covered by a mutuelle, if you have one.
A dentist who is conventionné secteur 2 will charge slightly more for their services - this can vary from a few euros to hundreds on euros depending on the case. There are obliged to provide this information to you before you undergo treatment.
If you are registered with the French social security system, you will be reimbursed as if you have received treatment from a secteur 1 dentist. In other words, even if you pay more for a consultation with a secteur 2 dentist, the amount of money you will receive from Assurance maladie will be the same for if you had visited a secteur 1 dentist. A good mutuelle should be able to make up the rest of the costs.
For private, or non-conventionné secteur 3 dentists, you will not be reimbursed through the French social security system. Only a very good mutuelle will cover the entire cost of these treatments.
READ MORE What you need to know about a mutuelle
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If you are receiving dental care with a public sector, or conventionné, dentist in France, you are currently eligible to have up to 70 percent of fees reimbursed by the French social security system (Assurance maladie). To benefit from this, you will need to be registered in the system, which is best done by acquiring a carte vitale.
READ MORE: Healthcare in France: The essential French vocabulary you'll need if you're ill
But from October 1st, only around 60 percent of these fees will be reimbursed by the Assurance maladie - a move that the government hopes will save €500 million each year to help a heavily indebted health system.
If you have a mutuelle (private health insurance), then the rest of the cost (or a large portion of it) will likely be covered by them, although it's always worth checking in advance.
If you don't have a mutuelle, you will have to make up the rest of the cost yourself. According to the consumer association, Que Choisir, some 2.5 million French people do not have private health insurance.
Analysts believe that as a result of these reforms, the cost of mutuelles will increase further - with private insurers arguing that they will have greater overheads. The average price of a mutuelle has been projected to rise by 4.7 percent by the end of the year, in part as a result of inflation.
READ MORE: Medical appointments in France to increase in price
Which dentists are covered by social security?
When booking a dental appointment in France, it is worth looking for dentists who are conventionné. If you are booking through the Doctolib website, which we would highly recommend, you can filter your search to only show dentists with this status.
A dentist who is conventionné secteur 1 charges the standard tariffs set by the government - for example a simple consultation will cost €23, a hygienist appointment will cost €28.92 and the removal of an adult tooth will cost €33.44.
Currently, if you are covered by social security, 70 percent of these costs will be reimbursed, but this will soon fall to 60 percent. The rest of the costs will likely be covered by a mutuelle, if you have one.
A dentist who is conventionné secteur 2 will charge slightly more for their services - this can vary from a few euros to hundreds on euros depending on the case. There are obliged to provide this information to you before you undergo treatment.
If you are registered with the French social security system, you will be reimbursed as if you have received treatment from a secteur 1 dentist. In other words, even if you pay more for a consultation with a secteur 2 dentist, the amount of money you will receive from Assurance maladie will be the same for if you had visited a secteur 1 dentist. A good mutuelle should be able to make up the rest of the costs.
For private, or non-conventionné secteur 3 dentists, you will not be reimbursed through the French social security system. Only a very good mutuelle will cover the entire cost of these treatments.
READ MORE What you need to know about a mutuelle
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