France
France-HiT
France-HiT
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Health systems in transition <strong>France</strong> 165<br />
in excess of 150% of official SHI tariffs. In addition, a voluntary three-year<br />
“Access to Health Care” contract (contrat d’accès aux soins) provides Sector 2<br />
doctors with incentives to freeze their fees and average rate of excess billing at<br />
2012 levels and to perform a share of their services at statutory tariff levels. The<br />
incentives include social and fiscal advantages and access for Sector 2 specialists<br />
to the €2 higher statutory tariffs of Sector 1 doctors. Patients consulting doctors<br />
who have signed the agreement also benefit from improved coverage of the<br />
services by SHI. However, from April 2015, patients of non-signatory doctors<br />
may be exposed to increased OOP costs under a decree that places a ceiling<br />
on the amount of extra-billing that may be covered by VHI contracts (125% of<br />
official SHI tariffs in 2015–2016 and 100% thereafter).<br />
The average rate of extra-billing by doctors practising in Sector 2 decreased<br />
from 56.9% in 2011 to 56.3% in 2013, marking the end of nearly uninterrupted<br />
increases in extra-billing since the 1980s. One explanation is fear of sanctions<br />
for excessive extra-billing. The financial crisis may also been a contributing<br />
factor, as doctors responded to the reduced purchasing power of their patients.<br />
Decreasing the impact on equity of shifting costs from SHI to<br />
private payers<br />
Certain cost-containment measures, particularly reductions in coverage rates,<br />
have resulted in a shift towards private expenditure (VHI and OOP payments),<br />
which has the potential to affect equity in financing and raises concerns about<br />
equity in access. Measures have, therefore, been put into place to increase the<br />
level of VHI coverage as well as equity in VHI contracts.<br />
For the less well-off, who were more significantly affected by decreases<br />
in SHI coverage, these measures include free public complementary VHI<br />
(CMU-C) and a voucher scheme (ACS) to facilitate purchase of private VHI<br />
contracts by individuals with low income who are not eligible for CMU-C<br />
(see section 3.3). In 2013, the revenue ceilings for access to CMU-C and ACS,<br />
which are adjusted annually for inflation, were increased by an additional 7%<br />
to afford broader access to these programmes. Nonetheless, many people who<br />
are eligible for these programmes fail to take advantage of them (CMU, 2013).<br />
Only a share of the working population benefit from group contracts paid<br />
by employers (see section 3.5.2), which generally offer better coverage at lower<br />
cost. In order to increase equity in coverage, all employers will be required to<br />
offer group contracts for VHI to their employees by January 2016, pursuant to<br />
the January 2013 National Interprofessional Agreement between representatives<br />
of employers and employees and enacted under the Employment Protection<br />
Law (Loi No. 2013–504 du 14 juin 2013 relative à la sécurisation de l’emploi).