which one to choose for a senior in Ehpad?

On average, the monthly cost of accommodation establishments for dependent elderly people (EHPAD) at the expense of seniors who stay there is now estimated at 2125.35 euros, according to a recent survey conducted by Le Guide Santé. An amount that can reach in Paris nearly 3,800 euros per month, according to the latest estimates from the Health Establishments site.

Substantial sums that the residents (their family or their guardians) must already be able to finance and to which are added other costs which are never borne by the establishment in question. This is where subscribing to mutual insurance for seniors residing in EHPADs takes on a major character.

In fact, when a senior stays in this type of medical establishment, the fees of the doctors who work within the structure are generally already covered in the monthly cost of the EHPAD. Except that a certain number of ancillary costs are not. This is particularly the case for hospitalization costs, outpatient transport, or even the co-payment (understand: these health expenses which remain your responsibility once the Health Insurance has reimbursed its share). These costs remain, in fact, the responsibility of the patient, the family, or his guardian. They are therefore added to the monthly amount of the stay invoiced by the establishment but can be fully or partially reimbursed. Provided you choose a mutual insurance company intended for seniors residing in nursing homes.

Subscribing to mutual insurance for a senior in an EHPAD: why use a comparator?

To help the family or guardians make the most appropriate choice for their elders, many online mutual insurance comparators exist. They allow quotes to be drawn up to select the complementary health insurance best suited to the needs of the senior who is staying in the medicalized health establishment.

Among the criteria that the family, the senior resident (if he can), or the tutor must consider in order to select a targeted complementary, is at the top of the list the financing of the complementary care offered. Choosing a complementary voucher to cover the costs of care such as outpatient transport, dental care, x-rays, daily hospitalization packages, spa treatments or even specific consultations proves, in this respect, paramount. Here again, using an online mutual insurance comparator can save you time but above all allow you to choose the complementary health insurance best suited to the needs of seniors residing in medical establishments.

Subscribing to mutual insurance for a senior in an EHPAD: what aid to lower costs?

To help you see more clearly about the additional medical costs and thus manage to select a senior mutual insurance staying in an EHPAD in phase with the requirements and means of the resident, do not hesitate to check the social aid that exists. You can, for example, make a request for complementary health insurance (CSS or C2S). Which came to replace the complementary health aid (ACS). This is a solidarity scheme mainly intended for people with low incomes.

Among the other possible financial aids is also the APA for “Personalised Autonomy Assistance”. This financial support is granted to dependent persons over the age of 60 on income conditions.

Tax assistance, for its part, takes the form of a tax reduction linked to the cost of accommodation in a health establishment.

It should be noted, finally, that the Health Insurance already reimburses 70% of residents’ ancillary health costs. In the event of hospitalization, reimbursement can rise to 80%. And if the resident has a pathology such as Parkinson’s disease, Alzheimer’s, or diabetes, the latter is then reimbursed at 100%.

In any case, having an overview of possible financial support can allow you (as guardian or member of the resident’s family) to clearly define the rest of your loved one’s responsibility and to better choose the senior health insurance intended for people living in nursing homes.

Our Planet + advisors help you choose the best cover at the right price.

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