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Health prevention at the heart of business issues

Health prevention is more than ever one of the problems of companies. Indeed, at the moment COVID-19 is leading companies to take all precautions. They are necessary to ensure the safety of their employees. The use of telework is the basic principle of COVID-19 prevention. However in some it is not possible. Thus, Santé Publique France gives tools to help companies apply the right gestures. The organization offers posters for the general public to inform about the measures to be followed. It also offers tips on how to wear your mask, how to wash your hands effectively or what to do if signs are detected. Thus, at the heart of companies, health has become an issue that is no longer negligible.

In June 2018, Agnès Buzyn, Minister of Solidarity and Health initiated the 100% health reform. The health care pension schemes must adapt to new specifications by 2020-2021. On the territory it is estimated that many people refuse or can not take certain health steps. This is due to financial reasons. Indeed, of the 20% of French people with the lowest incomes, about 1 in 5 of them give up equipping themselves with optics. For dental care, nearly 1 in 3 must give it up. The renunciation of care for financial reasons is therefore still too present in France today.

In the face of this, this new reform must be able to create de facto solidarity. While the benefits for patients are significant, the consequences for healthcare professionals are manifold. The dental, audiology and optics sectors with a high risk of load transfer are impacted.

Health prevention and 100% health reform, a new solidarity

Health is one of the main concerns of the French and generates a high level of inequality. The “100% health” reform has a main objective to improve the health prevention system. Thus, it aims to offer care baskets without any remaining expenses with a guarantee of quality to the insured. Reform must continue in gradual stages. Started on January 1, 2019, it must end in 2021 with a full refund. The roll-out of the reform must be carried out in a certain way. It must be done through the agreed networks of mutualists in the field of optics, audio and dentistry.

While complementary organizations are facilitators in the context of the reforms, there are some concerns about these changes in health and health prevention. Indeed, mutualists are worried about seeing the level of load transfer change and thus weaken their activity. In the case of Mutual Harmony, members will be able to use its Kalivia-agreed network as part of a zero or controlled rest-to-charge. The automatic payment of an additional benefit will thus allow compensation to be made in the cost differential. This new solidarity is also expressed by offers from health care facilities in territories marked by medical desertification. For example, La Creuse and Lot-et-Garonne are territories hard hit by the shortage of doctors.

The French health system reveals strengths but also flaws

New Aquitaine territory ahead of 100% health reform

In the South West, Harmonie Mutuelle is a brand that has its place. It is recognized throughout the region. It is a non-profit organization. Harmonie Mutuelle operates thanks to a network of delegates. They ensure a permanent relationship of proximity and solidarity with its members. Thus, at the local Aquitaine level, more than 300 elected volunteers represent and make the voices of the members heard. These voices resonate in the fields of solidarity, social action and health prevention. Harmonie mutuelle thus protects nearly 214,318 people in the neo-Aquitaine territory and has about 8318 member companies. In particular, it uses a global insurance offer. In this sense, it aims to embody the role of actor of social protection. To this end, Harmonie Mutuelle has signed a partnership agreement with the CFDT Aquitaine. The ultimate objective is to guarantee the quality of the offer and control costs.

As a part of this important B2B clientele, Harmonie Mutuelle launched in 2015 an innovative program “Health wins the business” which proposes to support companies in their approach to health prevention. Since Harmonie Mutuelle is engaged in a health prevention mission, it wanted to implement in New Aquitaine, the reform of the zero-burden of the remains of charge from 1 July 2019 in optics, dentistry and audiology, almost two years ahead of the government’s timetable. It therefore seemed natural for Harmonie Mutuelle to promote the transition to the rest-to-charge-zero because of its status as a privileged interlocutor with local actors in health, solidarity and the associative fabric.

A true player in the social and solidarity economy, Harmonie Mutuelle supports social innovation in health in New Aquitaine for both businesses and individuals, as desired by Stéphane Kergoulay, Director of the South-West Region of Mutual Harmony. Thus, driven by an approach that places people at the heart of health thinking, Harmonie Mutuelle is a signatory of the Charter of Diversity in Companies and has set up the Equal Opportunities and Diversity mission which intervenes in the fields of professional equality, disability, skills volunteering and the integration of young people. Health prevention promises to see new innovations.

Mutuals are therefore partners of choice to facilitate the understanding of 100% health reform among individuals and businesses. A real relay of public authorities in the field of health, their social action is essential in a strategy to develop the provision of care and access to all. As part of the reform, complementary bodies have been sponsored to strengthen the legibility of their contracts and offers in order to give policyholders greater freedom of choice in the interests of transparency. In parallel to this reform and already initiated since 2017, Harmonie Mutuelle strengthens its support to companies with services dedicated to prevention and quality of life at work, not only to limit companies to regulatory constraints but to promote a real health action plan throughout the territory.

Justine ANGIBAUD

Sources:

French government website

Mutual Harmony website

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