Macif approved optician

Supplementary health insurance is not a compulsory contract. However, if you wish to have your healthcare expenses, which are not reimbursed by the French health insurance system, covered, it is best to sign up to a supplementary health insurance provider. French national health insurance reimburses only 70% of its basic rates. You pay the remaining 30%, as well as many other benefits, such as optical, dental and hearing expenses. In this article, you'll discover the benefits and services of Macif's supplementary health insurance providers. Your Mymonture optician can tell you more.

Introducing Macif supplementary health insurance providers

Macif was founded in 1960 by a group of industrialists and shopkeepers from Niort. Together, they wanted to create their own supplementary health insurance providers. In 1974, Smacif was created, a health insurance company providing additional coverage to health insurance reimbursements in the event of accidents. Today, Smacif is known as Apivia Macif mutuelle. Since January 2021, Macif has been affiliated to Aéma Groupe. This is France's leading mutual protection group.

Who can subscribe to Macif's complementary health insurance?

Macif's complementary health insurance is aimed at students, the unemployed, pensioners and adults in the same family, as well as their tax-dependent children living under the same roof. These children benefit from the same cover as their insured parents. Spouses, relatives in the ascending line living under the same roof, and children aged between 20 and 26, whether studying or not, can also subscribe to Macif's supplementary health insurance providers. Macif's supplementary health insurance providers are also available to civil servants and local authority employees, with or without tenure. The self-employed can also join Macif and benefit from the Madelin law, which allows contributions to be deducted from taxable income.

What are the advantages of supplementary health insurance providers?

With Macif's supplementary health insurance providers, you can consult a large number of practitioners, particularly in the dental, optical, preventive medicine and hearing aid fields, thanks to the Carte Blanche network. With Macif, you'll get advantageous rates, up to 40% cheaper with partner professionals. You'll also benefit from additional optical coverage (broken lenses or frames, etc.) and audiology coverage (4-year warranty in the event of breakdown, free maintenance kit, loan of repair equipment, etc.). To avoid having to travel, from the Carte Blanche platform you can use the geolocation of healthcare professionals, opt for a teleconsultation to obtain a medical opinion, and even a prescription. A chatbot answers your questions day and night. A special rate is available for senior citizens.

The different services offered by Macif

THIRD-PARTY PAYMENT third-party payment management

Third-party payment means you don't have to pay in advance for certain expenses reimbursed by health insurance. This applies to medical consultations (specialists and general practitioners), long-term care (ALD), care provided by masseurs, physiotherapists, nurses, midwives and pharmaceutical expenses. In practical terms, this means that these healthcare professionals are reimbursed directly by the Assurance maladie. All you need to do is show them your carte vitale. However, you will not be reimbursed for any excess fees, flat-rate co-payments or medical deductibles. What's more, you need to have declared an attending physician. If you have not, you are not covered by the "parcours de soins coordonnés", and third-party payment cannot be used. In cases where the patient is not fully reimbursed by the health insurance scheme, many practitioners have their patients pay for their services. Patients are then reimbursed by their health insurance and supplementary health insurance providers.

100% health care

To give all French people access to dental, hearing and optical care, the French government has created the 100% health scheme, also known as "reste à charge zéro euro" (zero out-of-pocket expenses). This includes eyeglasses, hearing aids and dental care. From now on, you have two options for coverage. With the 100% health basket corresponding to class A, you have no out-of-pocket expenses. Healthcare professionals are reimbursed by the French health insurance system and by your supplementary health insurance providers. With class B, you choose the frames, dentures and hearing aids you want. You are responsible for the remainder of the cost. This may be covered by your complementary health insurance, depending on the contract you have taken out. To benefit from 100% health cover, you need to present a prescription from your ophthalmologist or ENT specialist, and your carte vitale and supplementary health insurance providers card.

The different reimbursement formulas with Macif supplementary health insurance providers

Macif's complementary health insurance offers its members 4 healthcare packages, with different levels of reimbursement for each item of expenditure (consultations, medication, hospitalization, etc.). 5 levels of coverage for medical equipment (optical, hearing aid, dental, etc.) are also available. Macif allows each member to tailor his or her complementary health insurance to his or her needs. Whichever plan you choose, you'll also benefit from assistance guarantees and services for caregivers.

Mymonture and its services and qualities

MyMonture.com is staffed by a team of professionals, including several state-qualified opticians. We have chosen to offer online frames from the world's leading brands, all of them genuine, of course. The Bureau Véritas certifies our activity. It guarantees the quality and conformity of the products we present on our website. The major brands trust us. That's why we offer you more than 60 brands, with 6,000 references - 5 times as many as a regular optician. The frames available are 2 times less expensive than at a traditional optician. We guarantee the same service, the same product quality and the same low prices.

With MyMonture.com, you benefit from online third-party payment and 100% healthcare. You buy your eyewear free of charge, i.e. with no or very low out-of-pocket expenses. On our website, you can obtain an approved quote for all supplementary health insurance providers. The calculation is automatic and takes your correction into account. Our state-qualified opticians fit lenses from the French Essilor group. For an extra euro, we'll give you a second pair of glasses free of charge. Have you been looking for an eyewear model from a leading brand and found it on MyMonture.com? Don't hesitate to treat yourself: we offer payment in 3 instalments, free of charge.

Are you afraid of making a mistake when buying a pair of prescription glasses over the Internet? We can send 2 or 3 frames to your home address. You have 7 days to try them on. We've set up a 3D fitting service that allows MyMonture.com opticians to let you try on several frames directly. You've ordered a frame and it doesn't meet your expectations? You have 100 days to return it. We'll exchange it or refund your money. We'll keep in touch. Once you've received your order, you can contact us for a consultation online or in our store.