Viasanté-approved optician

In France, complementary health insurance is an integral part of the health insurance package for millions of citizens. Their role is to reimburse, in full or in part, certain medical expenses not covered by the French health insurance system. And given their importance, there are a great many of them on the market. Today, we're going to introduce you to just one: Mutuelle Viasanté. A supplementary health insurance provider of AG2R La Mondiale, Viasanté offers the French a range of health and provident contracts to suit all profiles (individuals and professionals). Mymonture presents the role of your supplementary health insurance providers in your choice of eyewear.

What you need to know about Viasanté Mutuelle

The fifth largest supplementary health insurance provider in France, Viasanté is an ISO 9001-certified mutual committed to providing its members with practical solutions. It aims to be more than just a complementary health insurance plan, offering a wide range of preventive actions, advice and support throughout life.

Introducing Viasanté supplementary health insurance providers

The early days of Viasanté supplementary health insurance providers are closely linked to the beginnings of the Sociétés de Secours Mutuels in 1826. This was followed in 1900 by the creation of one of the leading mutual societies in the Pyrénées-Orientales: La Roussillonnaise. In the early 2000s, in 2001 to be precise, La Roussillonnaise and Mutuelle de l'Aude merged. This led to the creation of Union Technique Viasanté. This led to the rise of Mutuelle Viasanté, with the subsequent merger of supplementary health insurance providers MIC, UDSMA and MC15, all of which have used the Viasanté brand since 2007. In 2012, La Roussillonnaise and Mutuelle de l'Aude followed suit, preceding Périgord Mutuelle, which joined forces with all the others to merge under the Viasanté Mutuelle brand in 2012.

In 2015, Mutuelle Viasanté became the supplementary health insurance providers of the AG2R La Mondiale group. This will enable it to consolidate its position as a major national player in the health sector, by joining the group of France's top 5 supplementary health insurance providers. Today, Viasanté Mutuelle is a supplementary health insurance provider that insures over 1 million claimants (individuals and professionals). As you will have gathered, this is a unisex supplementary health insurance provider, since the target group can be both individuals (students, families, retired people, etc.) and professionals (workers, companies, employees, self-employed people).

What are the advantages?

The main reason why Viasanté Mutuelle is so appealing is that it's a supplementary health insurance provider that adapts to both your needs and your budget. So it's only natural that all those who subscribe to Viasanté Mutuelle should benefit from suitable coverage, as well as a host of other advantages.

• Great freedom: as mentioned above, AG2R La Mondiale's complementary health insurance is tailored to your needs (optical, dental, audiology) and your finances. It also gives you the option of modifying your level of cover as your needs change.
• Flexibility and targeted support: with viasanté supplementary health insurance providers, you can upgrade your health cover over time, and benefit from an optimal customer area. You'll also benefit from attentive advisors and an innovative teleconsultation service.
• Efficiency: Viasanté Mutuelle offers you several levels of cover, assistance for better health reimbursement and comprehensive assistance.

Viasanté Mutuelle's supplementary health insurance providers

Over the years, Viasanté supplementary health insurance providers have developed a range of services to cover certain expenses incurred when people have to forego treatment, or to provide reimbursement with no out-of-pocket expenses. However, it is important to know what the law requires of supplementary health insurance providers.

Third-party payment THIRD-PARTY PAYMENT

THIRD-PARTY PAYMENT is a system that enables people who need to buy medicines or consult a doctor to do so without having to pay in advance. Generally, when third-party payment is not active, the patient pays in advance:

• Payment for consultations
• Nursing or dental care
• Pharmacy services
• X-ray examinations
• Or the renewal of eyeglass frames.

The health insurance fund and supplementary health insurance providers can only reimburse the costs incurred once the co-payment has been withdrawn. This ticket, it should be noted, remains the responsibility of the patient. When you subscribe to Mutuelle Viasanté, you automatically benefit from third-party payment for most of your healthcare services, as well as for all services provided by your Viasanté-approved optician, Mymonture. You won't have to make any advance payments for drugs or hospitalization.

100% Santé' scheme (full cover)

In force since January 1, 2020, the'100% Santé' scheme (full cover) is a reform offering an alternative to the renunciation of healthcare for financial reasons by most French people. This mainly concerns audiology, dental and optical care. In optics, two classes of equipment (lenses and frames) will be covered from January 1, 2020:

• Class A: corresponding to the '100% Santé' scheme (full cover). It includes a selection of lenses (anti-scratch, corrective, thinned, anti-reflective) and frames (17 adult models and 10 children's models in two colors) that are fully reimbursed by the French Assurance maladie and complementary health insurance plans.
• Class B: corresponds to the "free rates" basket. Reimbursement depends on the policyholder's contract coverage, within the limits of the '100% Santé' scheme (full cover), with €0 remaining out-of-pocket expenses.

For adults (aged 16 and over), renewal will be possible every two years, and every year for those under 16. If eyesight changes, early renewal will be possible, with a one-year delay for adults and no delay for children.

The different supplementary health insurance providers Viasanté offers

There are two main supplementary health insurance providers on the market: health insurance contracts and provident contracts.

Viasanté supplementary health insurance providers' health insurance contracts

• For individuals: the supplementary health insurance providers offer the Proctivia Famille plan, tailored to the needs and budgets of policyholders, for optimum health protection. This contract offers 6 formulas and 2 optional options (the pack confort and the pack liberté).
• For the self-employed and TNS: here, the Viasanté solution is the Viapro complementary health plan, which provides coverage with immediate effect and offers 5 levels of cover.
• For companies: to meet their obligation to offer supplementary health insurance providers to their staff, Viasanté has set up a group supplementary health insurance plan called Flexosanté. It offers companies 6 levels of cover and 2 optional options (the assistance pack and the prevention and well-being pack).

Supplementary health insurance providers' Viasanté contracts

• For individuals: we offer 1st day of hospitalization coverage, which provides benefits from the first day of hospitalization to cover certain additional expenses. There are 4 levels of cover.
• For the self-employed and TNS: they too benefit from 1st day hospitalization cover. The principle is the same, but the benefits may be slightly different.
• For companies: 1st day of hospitalization cover is also available to employees of companies that have taken out a Viasanté provident insurance contract. The benefits are the same as for individual contracts.

In a nutshell

Viasanté supplementary health insurance providers cover a wide range of medical and health expenses, including optical expenses. When you take out a policy with us, you'll naturally be entitled to reimbursement of various expenses incurred when choosing or renewing your frames with Mymonture, your Mymonture-approved optician. And don't forget that you can also benefit from online third-party payment without having to go anywhere. Your optician is also half the price of a conventional optician, with the same quality and service. You'll be able to buy your glasses free of charge (with little or no out-of-pocket expenses). And for the pickiest shoppers, you'll find five times more frames on Mymonture than in a traditional store. As an added bonus, you'll have :

• A choice of lenses from France's leading brands,
• Entitlement to the '100% Santé' scheme (full cover),
• Automatic calculation according to correction,
• An approved quote for all supplementary health insurance providers,
• The possibility of trying on your frames at home.