What type of mutual choice for better reimbursement for lenses and frames?

In terms of optical care, the reality is that health insurance pays very little about the costs and expenses of the insured. This on the one hand because of the relatively high real rates in the market for optics, and also because of very low conventional rates that are the basis for social security for its payback percentages.

What are the basic rates for lenses and frames?

Social Security considers two age groups, ie under 18 and over 18 years. After observation, it appears that the first category is much better reimbursed by health insurance than the second:

- For under 18 years: the frame is reimbursed at 65% based on a tariff set at 30.49 euros. The glasses are also reimbursed at 65%, but on the basis of prices depending on the type of glass. They range from 12.04 euros to 66.62 euros.

- For more than 18 years: the percentages given are the same, that is to say 65%. But for the frame, the conventional rate is only 2.84 euros, and the rates of the glasses range from 2.29 euros to 24.54 euros depending on the various types of glasses.

Here, we would stress that the so-called classical mutual as their percentages based on these conventional tariffs. And that fact that they provide additional reimbursements are also quite inadequate. For example, a mutual 100% on optics will not refund as a mount for 2.84 euros adults, 2.29 euros per glass and if it is a simple white glass home sphere of -6 , 00 to 6.00.

Prefer a mutual optical reasons in packages

This last remark shows clearly how a mutual reasoning in conventional tariffs is ineffective in optics, for reimbursement of lenses and frames. Even a mutual to 500% will not propose therefore 14.20 euros to 11.45 euros adults and mount a glass, it is the same type of glass as the previous example. This is especially for such reasons that mutual optical decide to offer packages to their members. Packages that meet the very real market prices. In other words, you can be sure to be better paid with a mutual purpose.