Original text here from Patrice Bernard (LinkedIn)
For nearly a decade, France’s “tiers payant” has spared patients from paying upfront for healthcare costs, with fees covered directly by the national health insurance and, often, supplementary insurers. Yet, not all healthcare providers have adopted it. MySofie Pay now offers a way to bridge these gaps.
The startup partners with insurers looking to free themselves from claim management burdens—and reduce fraud. Its solution: a virtual payment card, compatible with mobile wallets, that allows policyholders to pay medical bills directly, without dipping into personal funds while waiting for reimbursement.
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To simplify matters, MySofie Pay also manages the uncovered portion of expenses. Users link their personal payment card, which is automatically charged for any remaining balance. Everyone wins: patients avoid paying out of pocket and save time on claim submissions, while insurers cut administrative costs and gain an innovative image.
The app also introduces tech-driven features—like geolocation verification to confirm where medical services are rendered (let’s hope home visits are included). Though still early-stage and imperfect, the concept holds strong potential, especially for improving healthcare access among vulnerable populations. Ironically, it aims to compensate for the shortcomings of government-backed systems.
