{"id":148,"date":"2025-03-09T20:32:00","date_gmt":"2025-03-09T19:32:00","guid":{"rendered":"https:\/\/www.cftc80.retraite.ovh\/?p=148"},"modified":"2025-05-06T13:37:48","modified_gmt":"2025-05-06T11:37:48","slug":"mutuelle-sante-complementaire-quel-enjeu","status":"publish","type":"post","link":"https:\/\/www.cftc80.retraite.ovh\/index.php\/2025\/03\/09\/mutuelle-sante-complementaire-quel-enjeu\/","title":{"rendered":"Mutuelle sant\u00e9\u00a0compl\u00e9mentaire : quel enjeu"},"content":{"rendered":"\n
\"\"<\/figure>
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Avec la retraite vient rapidement la question de la mutuelle sant\u00e9 compl\u00e9mentaire\u00a0: souscrire \u00e0 une offre ou assumer seul ses frais m\u00e9dicaux.<\/em><\/p>\n<\/div><\/div>\n\n\n\n

<\/p>\n\n\n\n

S\u00e9curit\u00e9 sociale et mutuelle : un duo n\u00e9cessaire<\/strong><\/h3>\n\n\n\n

Toute personne en retrait\u00e9 est rattach\u00e9e automatiquement \u00e0 un r\u00e9gime de base d\u2019assurance maladie. Avec le \u00ab reste \u00e0 charge \u00bb des soins et frais m\u00e9dicaux appliqu\u00e9 par ce dispositif.<\/p>\n\n\n\n

D\u2019o\u00f9 la n\u00e9cessit\u00e9 de souscrire un contrat volontairement. A moins de ne percevoir qu\u2019une pension tr\u00e8s r\u00e9duite et de b\u00e9n\u00e9ficier -de ce fait- de la Compl\u00e9mentaire sant\u00e9 solidaire (CSS)<\/p>\n\n\n\n

S\u00e9curit\u00e9 sociale : des taux variables de remboursement des frais de sant\u00e9<\/strong><\/h3>\n\n\n\n

Chaque type de soin fait l\u2019objet d\u2019une prise en charge financi\u00e8re. Cette prise en charge est calcul\u00e9e sur la base du \u00ab tarif conventionnel \u00bb ou \u00ab base de remboursement de la S\u00e9curit\u00e9 sociale – (BRSS) \u00bb de son nom officiel.<\/p>\n\n\n\n

Pr\u00e9cision notable : la base de remboursement ne correspond pas \u00e0 ce que vous rembourse la S\u00e9curit\u00e9 sociale. C\u2019est le montant \u00e0 partir duquel est calcul\u00e9 ce qui est rembours\u00e9, par l\u2019application d\u2019un pourcentage.<\/p>\n\n\n\n

Ainsi, selon que le praticien consult\u00e9 rel\u00e8ve du secteur 1 ou non,  qu\u2019il vous est prescrit des m\u00e9dicaments g\u00e9n\u00e9riques ou non, ou encore de la nature de votre pathologie et des soins, la base de remboursement n\u2019est pas la m\u00eame. Et par voie de cons\u00e9quence, le reste \u00e0 charge diff\u00e8re.<\/p>\n\n\n\n

Compl\u00e9mentaire sant\u00e9 : quels remboursements ?<\/strong><\/h3>\n\n\n\n

Les remboursements compl\u00e9mentaires \u00e0 ceux de la S\u00e9curit\u00e9 Sociale sont assur\u00e9s par la mutuelle. Cela limite au maximum le montant qui reste \u00e0 votre charge apr\u00e8s remboursement de l\u2019assurance maladie.<\/p>\n\n\n\n

Sachant que la sant\u00e9 co\u00fbte vite tr\u00e8s cher en \u00ab reste \u00e0 charge \u00bb d\u00e8s lors que les soucis de sant\u00e9 apparaissent (accident, maladie, perte ou vol des lunettes\u2026), prendre une mutuelle ou non est un choix financier important.<\/p>\n\n\n\n

La proposition de compl\u00e9mentaire sant\u00e9 de la CFTC Somme<\/h2>\n\n\n\n

La CFTC fait le choix de la CCMO, voici pourquoi (en cliquant ICI)<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Avec la retraite vient rapidement la question de la mutuelle sant\u00e9 compl\u00e9mentaire\u00a0: souscrire \u00e0 une offre ou assumer seul ses […]<\/p>\n","protected":false},"author":1,"featured_media":144,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[7],"tags":[],"class_list":["post-148","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutuellesante"],"_links":{"self":[{"href":"https:\/\/www.cftc80.retraite.ovh\/index.php\/wp-json\/wp\/v2\/posts\/148","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cftc80.retraite.ovh\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cftc80.retraite.ovh\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cftc80.retraite.ovh\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cftc80.retraite.ovh\/index.php\/wp-json\/wp\/v2\/comments?post=148"}],"version-history":[{"count":2,"href":"https:\/\/www.cftc80.retraite.ovh\/index.php\/wp-json\/wp\/v2\/posts\/148\/revisions"}],"predecessor-version":[{"id":152,"href":"https:\/\/www.cftc80.retraite.ovh\/index.php\/wp-json\/wp\/v2\/posts\/148\/revisions\/152"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cftc80.retraite.ovh\/index.php\/wp-json\/wp\/v2\/media\/144"}],"wp:attachment":[{"href":"https:\/\/www.cftc80.retraite.ovh\/index.php\/wp-json\/wp\/v2\/media?parent=148"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cftc80.retraite.ovh\/index.php\/wp-json\/wp\/v2\/categories?post=148"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cftc80.retraite.ovh\/index.php\/wp-json\/wp\/v2\/tags?post=148"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}