RSA, activity bonus, minimum old age… Beneficiaries of social minima are clearly less well covered than the rest of the population in the face of health hazards. According to a study by de la Drees, one out of six beneficiaries has no complementary health.
Have you ever given up [lors des 12 derniers mois] a medical consultation for financial reasons? To this question, 16% recipients of social minima – RSA, ASS, AAH, minimum old age, activity bonus – answered yes against 5% for the population as a whole. And close to 30% of these same beneficiaries have waive dental treatment, compared to 17% for the population as a whole. Why this waiver of health costs? In particular because these beneficiaries are among the populations least protected in the face of health expenditure, according to a study by the Department of Research, Studies, Evaluation and Statistics (DREES) relating to figures at the end of 2018 but published Tuesday 21 June.
However, there are two systems dedicated to helping them: complementary universal health cover (CMU-C) and assistance with the payment of complementary health care (ACS). Problem: In 2018, CMU-C and ACS remain largely unknown: 30% of recipients of social minima do not know about CMU-C and 75% about ACS. Since then, these two systems have merged to become the supplementary health insurance or CSS – without financial participation – but it is too early to know whether this new feature has improved understanding of the aid schemes for health coverage.
Complementary health care: who can benefit from it?
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Health insurance: 83% of beneficiaries of social minima covered compared to 96% of French people
Result: due to a lack of knowledge of these aid schemes and the cost of complementary health insurance, many beneficiaries of social minima are helpless in the face of planned or unforeseen health expenses. 83% of them and 92% of the beneficiaries of the activity bonus are covered by complementary health, against 96% of the population as a whole, underlines the DREES in its study.
APL, alloc’, RSA… Discover all the social aid to which you are entitled
Worse: recipients of active solidarity income (RSA) are only covered at 81%, or one in five RSA recipients. The CMU-C, since replaced by the CSS, still concerns two-thirds of RSA recipients. But these 67% are ultimately a fairly low proportion since, as the DREES points out, RSA beneficiaries are automatically eligible for universal health coverage. A phenomenon that can be explained by both ignorance and conscious non-use, faced with the perceived complexity of the procedures, the idea that a complementary insurance is not necessary or quite simply the fact of already being covered by a other mutual.
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