Transition of the device starting November 1, 2019: The CMU-C and ACS are combined into a single aid: Complementary Health Solidarity. To benefit from mutual payment support, you must now submit an application for CSS.
This new aid is free for former beneficiaries of CMU-C. If you were eligible for ACS, you will need to pay monthly fees ranging from €8 to €30 per person, depending on age.
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The reforms of ACS have recently increased to make the aid more effective and to ensure that more potential beneficiaries apply for health assistance.
One of the most important changes concerns the choice of reciprocity. In fact, it must be included in a list of accredited organizations since July 1, 2015 , which means that new beneficiaries of the aid will have to terminate their current contract in order to benefit from eligible reciprocity from ACS.
How to terminate reciprocity to benefit from ACS?
Previously, ACS beneficiaries could receive a health assessment to pay part of their mutual contribution. No need to modify additional guarantees, the deduction was made on the annual contributions.
This is no longer possible since July 1, 2015. A dozen complementary health products have been selected to offer good value for money to AEC beneficiaries. It is now mandatory for new beneficiaries to choose from the investment funds accredited by ACS.
COMPARE THE PRICE OF ACS MUTUALS 3 possible scenarios:
- The new AEC beneficiary does not have complementary health insurance: In this case, you simply need to choose between the relevant options
- The new beneficiary already has a reciprocity that is eligible for CCM: initially, you must inform the organization of your rights with CCM. It provides you with approved contracts and available guarantee levels (see details)
- The new beneficiary has a contract that is not eligible for AEC: in this case, the beneficiary must terminate their mutual agreement to identify an eligible health proposal (see the procedure below)
If you want to know if your current complementary module offers ACS contracts, you can use the search engine available from this link.
This may seem cumbersome, but the goal is to simplify ACS. The latter had a very high non-take-up rate. Initial reviews of AEC reforms (see data here) show a steady increase in the number of beneficiaries.
If you need to terminate your current investment fund to benefit from CCC, know that this is a valid reason for termination since the implementation of this reform. You can terminate your mutual agreement at any time without waiting for the due date.
To do this, you simply need to follow the procedure below:
- Purchase a contract with the accredited mutual association of your choice
- Send by registered mail with acknowledgment of receipt your termination request with proof of your new contract
The cancellation of your old contract is valid on the first day of the second month following your sending. It will not cost you anything. If necessary, you will reimburse your former insurer for the premiums you have paid in advance.
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