a) Pharmacy costs: your pharmacy costs are covered as before. This means that you pay your invoices directly to the pharmacy and then you are reimbursed by your insurer, after deduction of the co-insurance amounts (“third-party guarantor” system). b) Costs of other healthcare providers (doctors, laboratories, physiotherapists, etc.): these costs are normally also refunded according to the “third-party guarantor” system. However, if the healthcare provider has entered into a “third-party payer” agreement with Groupe Mutuel, the insurer settles the healthcare provider's invoice and invoices the insured person for his share of the costs.