{"id":5329,"date":"2025-12-01T12:09:16","date_gmt":"2025-12-01T11:09:16","guid":{"rendered":"https:\/\/snupden-fsu.fr\/?p=5329"},"modified":"2025-12-09T14:08:55","modified_gmt":"2025-12-09T13:08:55","slug":"protection-sociale-complementaire-la-temperature-monte-dans-les-eple","status":"publish","type":"post","link":"https:\/\/snupden-fsu.fr\/index.php\/2025\/12\/01\/protection-sociale-complementaire-la-temperature-monte-dans-les-eple\/","title":{"rendered":"Protection Sociale Compl\u00e9mentaire : la temp\u00e9rature monte dans les EPLE"},"content":{"rendered":"\n<p>Dans notre publication du 7 avril 2024, nous vous informions de la mise en \u0153uvre de la PSC au minist\u00e8re de l\u2019Education nationale. Nous attirions l\u2019attention des personnels sur les cons\u00e9quences de ce choix fait par le pr\u00e9sident de la R\u00e9publique de transposer, dans le cadre de la Loi de Transformation de la Fonction Publique d\u2019Ao\u00fbt 2019, l\u2019accord du priv\u00e9 (ANI) \u00e0 la fonction publique. Aujourd\u2019hui dans les \u00e9tablissements, la temp\u00e9rature monte car les personnels d\u00e9couvrent la r\u00e9alit\u00e9 de cette mise en place : la cr\u00e9ation d\u2019un compte<em> ameli<\/em>, l\u2019obligation d\u2019adh\u00e9rer au contrat collectif obligatoire sant\u00e9, les tarifs pour les ayants droits, le parcours num\u00e9rique d\u2019affiliation \u00e0 r\u00e9aliser en 21 jours&#8230;<\/p>\n\n\n\n<p><strong>Mais le fond du probl\u00e8me n\u2019est pas l\u00e0<\/strong>. L\u2019ordonnance de 2021 entra\u00eene pour la fonction publique :<\/p>\n\n\n\n<p><strong>1. La dissociation Sant\u00e9\/Pr\u00e9voyance<\/strong>, ce qui se traduit par l\u2019imposition d\u2019un contrat collectif obligatoire Sant\u00e9 et un contrat facultatif Pr\u00e9voyance. Cette situation va amener des personnels \u00e0 renoncer \u00e0 ce dernier faute de moyens pour le souscrire ou par choix (jeune donc pas de souci de sant\u00e9). Dans tous les cas, ils seront p\u00e9nalis\u00e9s lorsqu\u2019ils seront en cong\u00e9s longue maladie par exemple. De plus, si seuls les agents les plus \u00e2g\u00e9s souscrivent, il y aura moins de mutualisation des risques et les cotisations augmenteront pour tous. Toutefois, il y a des exceptions \u00e0 ce d\u00e9couplage pr\u00e9vu par l\u2019ordonnance. A la Fonction Publique Territoriale, il y a couplage sant\u00e9\/pr\u00e9voyance. A la Fonction Publique d\u2019\u00c9tat (FPE), au Minist\u00e8re de l\u2019Economie et des Finances, il en est de m\u00eame. Ce qui est possible dans ce dernier cas, devrait l\u2019\u00eatre pour toute la FPE.<\/p>\n\n\n\n<p><strong>2. Des ruptures de solidarit\u00e9<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>interminist\u00e9rielle : cotisation \u00e0 g\u00e9om\u00e9trie variable pour un m\u00eame panier socle : 68\u20ac98 (Caisse des D\u00e9p\u00f4ts et Consignations), 69\u20ac80 aux finances, 74\u20ac32 \u00e0 l\u2019agriculture et 75\u20ac40 \u00e0 l\u2019Education Nationale, Enseignement Sup\u00e9rieur et Jeunesse et Sports. <\/li>\n\n\n\n<li>professionnelle : entre agents actifs avec l\u2019introduction d\u2019une part forfaitaire.<\/li>\n\n\n\n<li>interg\u00e9n\u00e9rationnelle (actifs\/retrait\u00e9s) : cotisation forfaitaire uniquement pour les retrait\u00e9s avec un tarif \u00e9lev\u00e9.<\/li>\n\n\n\n<li>sociale : co\u00fbt des cotisations des ayants droits. Pour les actifs : 110 % de la cotisation d\u2019\u00e9quilibre pour le conjoint et pour les retrait\u00e9s, c\u2019est l\u2019\u00e2ge de l\u2019agent qui d\u00e9termine le tarif du conjoint.<\/li>\n<\/ul>\n\n\n\n<p><strong>3. Des tarifs \u00e0 la hausse :<\/strong> suite aux appels d\u2019offres, des op\u00e9rateurs priv\u00e9s ont gagn\u00e9 les march\u00e9s au d\u00e9triment des mutuelles \u00ab traditionnelles \u00bb. Notamment Alan, start up, qui est le prestataire de plusieurs minist\u00e8res dont l\u2019Economie et les Finances, l\u2019Environnement&#8230; Pour \u00eatre retenus, certains ont propos\u00e9 des tarifs tr\u00e8s bas mais sont en train de revoir leur copie en envisageant une augmentation des cotisations. C\u2019est le cas d\u2019Alan \u00e0 l\u2019Environnement qui table sur une augmentation de 14 % pour l\u2019an prochain. Pour l\u2019Education Nationale, des augmentations sont pr\u00e9vues, environ 10 % en 3 ans.<\/p>\n\n\n\n<p>L\u2019obligation de cr\u00e9er un compte <em>ameli<\/em> doit nous interpeller. Il s\u2019agit pour les agents de l\u2019EN d\u2019avoir deux remboursements distincts, l\u2019un de l\u2019assurance maladie obligatoire (AMO) et l\u2019autre de la compl\u00e9mentaire m\u00eame si MGEN continuera \u00e0 traiter les deux remboursements. A terme quelle sera la part de l\u2019AMO ?<\/p>\n\n\n\n<p>Le sn<strong><em>U<\/em><\/strong>.pden FSU a d\u00e9nonc\u00e9 d\u00e8s le d\u00e9part la mise en place de la PSC qui est un cheval de Troie pour d\u00e9truire l\u2019assurance maladie obligatoire. Pour lui, la seule r\u00e9ponse aux besoins en sant\u00e9 des agents et des citoyens est une s\u00e9curit\u00e9 sociale forte prenant en charge les soins prescrits \u00e0 100 %.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Dans notre publication du 7 avril 2024, nous vous informions de la mise en \u0153uvre de la PSC au minist\u00e8re de l\u2019Education nationale. Nous attirions l\u2019attention des personnels sur les <a class=\"mh-excerpt-more\" href=\"https:\/\/snupden-fsu.fr\/index.php\/2025\/12\/01\/protection-sociale-complementaire-la-temperature-monte-dans-les-eple\/\" title=\"Protection Sociale Compl\u00e9mentaire : la temp\u00e9rature monte dans les EPLE\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":9,"featured_media":5331,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[10,247],"tags":[329],"class_list":["post-5329","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-protection-sociale","tag-protection-sociale-complementaire"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Protection Sociale Compl\u00e9mentaire : la temp\u00e9rature monte dans les EPLE -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/snupden-fsu.fr\/index.php\/2025\/12\/01\/protection-sociale-complementaire-la-temperature-monte-dans-les-eple\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Protection Sociale Compl\u00e9mentaire : la temp\u00e9rature monte dans les EPLE -\" \/>\n<meta property=\"og:description\" content=\"Dans notre publication du 7 avril 2024, nous vous informions de la mise en \u0153uvre de la PSC au minist\u00e8re de l\u2019Education nationale. 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