1. Jean-Pol MATHEYS Presentation based on Ph. CHARPENTIER’s CHIS benefits as of January 20121

2. On our plate today  Context of changes (why, principles, when)  New reimbursement rates and FCAs  New reimbursement policy for hospitalizations  Other changes (ceilings, incentives …)  Conclusion CHIS benefits as of January 20122

3. On our plate today  Context of changes (why, principles, when)  New reimbursement rates and FCAs  New reimbursement policy for hospitalizations  Other changes (ceilings, incentives …)  Conclusion CHIS benefits as of January 20123

4. Why change the CHIS benefits ?  2010 5YR outcome:  Increase contribution rates (2011-2015)  Keep level of benefits (they are comparable to comparators’)  Allow Director-General to “take measures to limit the increase of CHIS expenses, by encouraging use of health care providers/treatments with best quality-to-cost ratio.” <<< This is main reason why  Simplify some rules, adapt to new techniques (provided they do not increase CHIS costs) <<< This is also why CHIS benefits as of January 20124

5. Principles for the changes  Keep current level of benefits (our system is comparable in terms of benefits with that in other IOs)  Give benefits to all members (even if spending little)  Better protect members with high expenses  Review some benefits in order to make their understanding (by members) and handling (by contractor) easier  Adapt to new health care conditions (costs varied in recent years) CHIS benefits as of January 20125

6. New CHIS Rules: 1 st January 2012  Available on the web at cern.ch/chis  Note: Reimbursement of 2011 expenses will still follow the 2011 rules (throughout 2012)  Note: Your feedback on web site is most welcome  Members received a personal information letter, a CHIS Bull’ with detailed article CHIS benefits as of January 20126

7. On our plate today  Context of changes (why, principles, when)  New reimbursement rates and FCAs  New reimbursement policy for hospitalizations  Other changes (ceilings, incentives …)  Conclusion CHIS benefits as of January 20127

8. New Reimbursement Rate Reasoning  Reimburse from the first CHF spent onwards  Above given amount reimburse fully  Maintain overall cost to CHIS and individuals >>> New General rule of reimbursement:  80% up to a certain threshold, then 90% up to a second threshold, then 100%  threshold expressed in Frais à la Charge de l’Assuré (500 CHF & 3000 CHF – yearly & individual thresholds) CHIS benefits as of January 20128

9. Frais à la Charge de l’Assuré ??? CHIS benefits as of January 20129 Not zero Maximum amount paid by person Curve adjusted so overall costs are kept the same

10. Reimbursement Rate vs. FCA CHIS benefits as of January 201210

11. Reimbursement Rate vs. Expenditure CHIS benefits as of January 201211 Instantaneous (CHF by CHF) Total Previous

12. Reimbursement Rate vs. Expenditure CHIS benefits as of January 201212 Overall Total

13. Reimbursement Rate - Examples CHIS benefits as of January 201213

14. On our plate today  Context of changes (why, principles, when)  New reimbursement rates and FCAs  New reimbursement policy for hospitalizations  Other changes (ceilings, incentives …)  Conclusion CHIS benefits as of January 201214

15. Hospitalisation changes: reasons (Semi-)private sections of public hospitals cost more !  Evolution of Swiss public hospitals:  Include more (semi-)private sections  Attracts more practitioners  Free choice of practitioner for the patient  … but this has a cost   Example: HUG costs now similar to private hospitals’  In France: “dépassement d’honoraires” CHIS benefits as of January 201215

16. Hospitalisation: new rules  Public sections of public hospitals:  100% as before  (Semi-)private sections of public hospitals or approved private hospitals:  Reimbursed following the General Rule (80-90-100%)  No longer limited to 2000 CHF borne to the member  Replaced by the 100% rate for FCA above 3000 CHF  Non-approved hospitals:  80% reimbursement rate, whatever the amount (!) and not used for cumulating FCAs  Direct payment by UNIQA (“tiers-payant”)  Only for public or approved private hospitals (as now) CHIS benefits as of January 201216

17. Hospitalisation new rules CHIS benefits as of January 201217

18. On our plate today  Context of changes (why, principles, when)  New reimbursement rates and FCAs  New reimbursement policy for hospitalizations  Other changes (ceilings, incentives …)  Conclusion CHIS benefits as of January 201218

19. Ceilings  Ceilings used to be expressed in reimbursed amounts  No longer possible with the variable rate …  Ceilings now expressed in maximum expenses  Previous ceilings have been divided by 0.9  … and rounded up!  Ceilings expressed per calendar year  Pro-rata the duration of the contract  Some “unused” parts of the ceilings may be carried over to subsequent year(s)  Moving 3-year window CHIS benefits as of January 201219Ph.Charpentier@cern.ch

20. Other modified rules  Optical care:  Single ceiling: 500 CHF per annum with 3 year carry-over (i.e. 1500 CHF in 3 years)  Suppress change of diopters and ceiling for frames  Suppress special ceiling for contact lenses  Refractive surgery (ceiling 2000 CHF per eye, once in a lifetime)  Dental care:  Ceiling with 3 year carry-over : 3000 CHF per annum  Prevention: 100% reimbursed  Mammography, hemoculture (colon cancer screening), papilloma-virus vaccination CHIS benefits as of January 201220

21. Incentive measures  Many calls to use less expensive health care providers  Quite a few of you changed your habits, thank you!  However: 69% of members live in France and 64% of outpatient expenses are in Switzerland !  This means many residents in France still go to doctors, buy their drugs or make blood tests, X-rays etc, in Switzerland  5% extra reimbursement rate (i.e. 85%/95%) for out- patient expenses in selected Member States  Concerns: doctors, drugs, lab tests, imagery, and more generally most out-patient expenses (see details in the rules)  Countries selection based on the OECD report on health costs  All member states but Switzerland, Norway and Denmark  The list will be reviewed every year  In the future similar incentive measures could be granted to other health care providers, if it helps keeping costs under control CHIS benefits as of January 201221

22. On our plate today  Context of changes (why, principles, when)  New reimbursement rates and FCAs  New reimbursement policy for hospitalizations  Other changes (ceilings, incentives …)  Conclusion CHIS benefits as of January 201222

23. Conclusions  Maintain same overall benefits  Continue protecting (even more) members with high expenses  “Fix” hospitalisation in view of new situation  Simplify some rules and adapt to new practice (e.g. optical care and prevention)  Encourage strongly usingless expensive health care providers  … and, last but not least:  Continue to negotiate best tariffs with health care providers (all renewed except “Les Grangettes”) CHIS benefits as of January 201223

24. Thanks ! CHIS benefits as of January 201224

25. Summary of benefits today CHIS benefits as of January 201225Ph.Charpentier@cern.ch

26. Today’s reimbursement rate  Deductible  First 200 CHF per year not reimbursed  This means: up to 222 CHF expenses, reimbursement rate is zero, raises to 80% for 2000 CHF expenses  Reimbursement rate  General rule: 90% – deductible  Cost borne by the member in an approved hospital limited to 2000 CHF  Some benefits have ceilings (e.g. dental care)  100% for a given case if outpatient expenses (cumulated for the given case) > ~ 80,000 CH CHIS benefits as of January 201226Ph.Charpentier@cern.ch

27. Hospitalisation today  Public hospital  100% in all classes (public, semi-private, private)  Extra cost for single room not reimbursed  Approved hospital  90% (-deductible) with a limit of 2,000 CHF borne to the member  Direct payment by the contractor (UNIQA)  Non-Approved hospital  90% (-deductible) but no limit  The member must advance the payments  Still possibility to obtain an advanced reimbursement… CHIS benefits as of January 201227Ph.Charpentier@cern.ch

28. Hospitalisation today CHIS benefits as of January 201228Ph.Charpentier@cern.ch

29. Special (selected) health care cases today  Dental care:  Normal rate but reimbursement ceiling 2,928 CHF per year  No carry over  Optical care:  Subject to change of dioptres (0.25)  Almost imperceptible change…  Glasses: 90% without ceiling  Frames: 76 CHF per year, carry-over over 3 years  Disposable lenses: 500 CHF/year, no carry-over CHIS benefits as of January 201229Ph.Charpentier@cern.ch

30. Changes as of 1 st January 2012 CHIS benefits as of January 201230Ph.Charpentier@cern.ch