Do you navigate between your Ameli account and that of your mutual, but you have trouble keeping track of your health reimbursements? The application mySofie will make your life easier. Already used by 100,000 people, this free assistant allows you to have a dashboard of your expenses in one place and to sound the alarm in the event of a malfunction.
Once the application is installed, all you have to do is enter your Social Security number, select your mutual insurance company and indicate your identifiers. Some 210 mutuals are listed, or 62% of policyholders. Others can make a request and their personal space is synchronized with the application in less than 72 hours. Once the accounts are aggregated, all treatments and reimbursements are displayed. For each of them, the total cost is divided into three parts: that of Social Security, that of the insurer (mutual, complementary health) and that of the insured (remains dependent).
“Our goal is to make health insurance as transparent as possible”, specifies Philippe Baranski, co-founder of mySofie. If a problem occurs with one of the reimbursements, an alert is displayed and guides you to recover the money owed to you (sending a missing document, calling your mutual, etc.)
Are you well covered?
According to figures released by mySofie, this system has enabled three quarters of users to recover missing sums, up to 204 euros per family of three and per year. In the majority of cases, these are specialist consultations that are poorly reimbursed or not reimbursed at all. In question ? Management errors, deficient computer programs… “But it can also come from the behavior of the user who goes to see a doctor who is not his doctor,” explains Philippe Baranski. The reimbursement of Social Security is then 6.50 euros instead of 16.50 euros for a consultation with a general practitioner approved by sector 1. We will therefore invite him to change attending physician to have better coverage. “
Next step: the imminent launch of a diagnostic tool, being tested by some users. “It will tell you who, in your tribe, is well reimbursed and who is poorly reimbursed,” says the co-founder of the application. With, from the summer, the ambition to “offer contracts that increase guarantees on family members who need it.”
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