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Boiling a frog

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Everything posted by Boiling a frog

  1. Have you ever considered that it is not the rule
  2. Here is the French advice to EHIC card holders. http://www.cleiss.fr/particuliers/je_viens_en_vacances.html Remboursement La feuille de soins datée, signée, avec les vignettes des médicaments collées, accompagnée de la prescription et d'une copie de la carte européenne d'assurance maladie ou du certificat provisoire de remplacement devront être remis à la C.P.A.M (ou la CGSS dans les DOM) dans la circonscription de laquelle les soins ont été dispensés. Vous devrez préciser votre adresse permanente ainsi que vos références bancaires (nom de la banque, adresse, code SWIFT, n° de compte avec code IBAN ou BIC). or in English Reimbursement Once you have dated and signed the feuille de soins and attached the vignettes, you should send the form to the local CPAM (or CGSS), together with the prescription and a copy of your European Health Insurance Card or Provisional Replacement Certificate. You should also fill in the feuille de soins with your permanent address and give your bank details (name of bank, address, SWIFT code, account number and IBAN or BIC). So it appears that CLEISS and NHS direct are singing from the same hymn sheet,and are giving the correct advice, while your advice is incorrect. There is no need to PM me for the link to the advice, as I have given it in this post..
  3. [quote user="idun"]How unhelpful to post like that. I was talking about GP's, as were you, in your post about your neighbours. And that too was irrelevant, as far as the OP was concerned! I could give you the links, but you know, I'm not going to. If anyone else cannot find them and wants them, please please feel free to PM me. To anyone travelling, well, personally, I would always have travel insurance. And if you need to see a french GP for a holiday emergency, then bring the bills home and send them to Newcastle. [/quote] That is not what NHS direct says .NHS direct says to go to CPAM and claim the refund. Again I quote From NHS direct Your European Health Insurance Card (EHIC) will enable you to access state provided healthcare at a reduced cost or sometimes free. It will cover you for treatment that is needed in order to allow you to continue your stay until your planned return. It also covers you for treatment of pre-existing medical conditions and for routine maternity care provided the reason for your visit is not specifically to give birth. How to claim refunds Reimbursements are claimed from the local CPAM office (Caisse Primaire D‘Assurance Maladie) in France. You will need to provide the treatment form (feuille de soins), copies of receipts and prescriptions, a copy of your EHIC, your address of residence and your bank details, including IBAN and BIC. Confirmation of your refund will be sent to your home address. If you have had to pay for the cost of your care and have been unable to claim a refund during your stay in France you should contact the Overseas Healthcare Team (Newcastle) on 0191 218 1999 (Monday - Friday, 8am - 5pm) on your return to the UK. However, this process will take longer than claiming for a refund in France. Please do not give out misinformation as it could mislead people. Generally speaking the only time that one will need to seek a refund is if one visits a GP or a specialists.and the NHS website and advice is perfectly clear, as outlined above ,your initial course of action is to claim the money back from CPAM.To try and suggest that CPAM will not reimburse you is just plain wrong. As for my post being unhelpful ,may I suggest that it is your post which is unhelpful because the correct procedure is as laid out by NHS direct.
  4. From NHS direct Your European Health Insurance Card (EHIC) will enable you to access state provided healthcare at a reduced cost or sometimes free. It will cover you for treatment that is needed in order to allow you to continue your stay until your planned return. It also covers you for treatment of pre-existing medical conditions and for routine maternity care provided the reason for your visit is not specifically to give birth. How to claim refunds Reimbursements are claimed from the local CPAM office (Caisse Primaire D‘Assurance Maladie) in France. You will need to provide the treatment form (feuille de soins), copies of receipts and prescriptions, a copy of your EHIC, your address of residence and your bank details, including IBAN and BIC. Confirmation of your refund will be sent to your home address. If you have had to pay for the cost of your care and have been unable to claim a refund during your stay in France you should contact the Overseas Healthcare Team (Newcastle) on 0191 218 1999 (Monday - Friday, 8am - 5pm) on your return to the UK. However, this process will take longer than claiming for a refund in France.
  5. The rosebowl terms No alcohol, glass containers or metal cans may be brought into the ground on entry or any subsequent re-entry. The purchaser agrees to abide by these conditions and the Ground Regulations at all times, full Terms and Conditions and Ground Regulations are available from the Ticket Office. and in the FAQ The following articles must not be brought within the Ground - knives, fireworks, smoke canisters, air-horns, whistles, drums, musical instruments, flares, bottles, weapons, dangerous or hazardous items, laser devices, glass vessels, poles and any article that might be used as a weapon and/or compromise public safety. Any person in possession of such items will be refused entry to the Ground. Alcohol: No alcohol shall be brought into the Ground at Twenty 20, International or other major matches. At domestic matches other than Twenty 20, a maximum of 4 cans of beer or equivalent or 70cl of wine may be brought into the Ground.
  6. i suspect the simple answer is that these venues are private property. As such the owners can set such terms and conditions as they wish ie if you wish to enter this private place you must have purchased a ticket must comply with the terms of entry.
  7. [quote user="idun"]Il convient de remarquer que la caisse d'assurance maladie a la possibilité de procéder au remboursement mais non l'obligation. En cas de refus, aucune contestation ne sera possible. Coops, it isn't a 'right', it looks like a 'perhaps' to me and they say that they are not obliged to pay this AND people cannot appeal against their decision not to pay. I cannot remember seeing such a statement that is so open to a 'difficult' fontionnaire, saying NON! whenever they feel like it and not being able to do anything about it at all. In these circumstances, I would always have travel insurance. [/quote] This is irrelevant, we are talking about UK citizens now resident in France with an S1
  8. [quote user="cooperlola"][quote user="idun"] In the end it would boil down to where people had worked most as to who was the responsible state, wouldn't it? [/quote]Well that would be the sensible way of doing it but this is Europe. France is my competent state for healthcare. I haven't worked here but I do pay (a fair, not unreasobale amount, imho) into the system for the time being. And yes, it's my belief that when Mr C gets his UK state pension, then it all gets paid for by the UK and thus this regulation shouldn't apply any more, even if it does now (still not established.) Unless of course, one could make a case for its being a benefit which French citizens enjoy which other EU citizens are denied. I imagine, however, that all these little quirks were ironed out when the law changed last year and the competent state began to issue the EHIC/CEAM as opposed to the state of residence, as in the past. I reckon this is the change which Betty's post referred to which has altered the way in which these rights are now due. [/quote] Wishful thinking. The mutuelles do not have a clue about competent states, just like all sorts of other things ,car insurance for one.
  9. Bettys case is S1 related See the reply she received from CPAM Part of the CPAM’s reply was: ‘En effet, vous résidez et êtes immatriculé en France avec I'imprimé E121, délivré par la Caisse d'Assurance Maladie du ROYAUME-UNl. Or, selon le nouveau règlement communautaire n'883/2004 qui a pris effet le 01/05/2010, votre couverture sociale se limite à la prise en charge des soins dispensés en France’.
  10. The fact is that it is the United Kingdom that pays for S1 holders medical needs, not France and that is why S1 holders afilliated to CPAM are only entitled to reimbursement via CPAM in France. Outwith France it is the UK who reimburses .. The 5 year rules only relates to a right of residence without the requirement to have medical insurance or be a burden on the state. It does not give us the same rights as a French citizen(we are still unable to vote for instance in national elections.) Après 5 ans de séjour Droit au séjour permanent Le citoyen européen ou suisse, qui a résidé de façon légale et ininterrompue en France pendant les 5 années précédentes, obtient un droit au séjour permanent. À l'issue de cette période, il n'a plus besoin de prouver les conditions de son séjour (ressources par exemple). Il peut demeurer définitivement en France, à condition de ne pas représenter une menace grave pour l'ordre public.
  11. In respect of reimbursement http://www.cleiss.fr/particuliers/retour_en_france_soins_a_l_etranger.html It appears if you are a la charge of the French health care system, no matter where you are in the world(outwith the EU where different rules apply) you can claim from CPAM a reimbursement of the medical costs incurred. Hence betty's difficulty. The UK system is different, but a handy post for all of us on an S1 wanting to go on holiday outside of the EU .Perhaps best to use a UK based holiday assurance coy rather then complicating matters using a French one.
  12. [quote user="cooperlola"]Ah. Thanks so much, Betty, that makes sense now. It seems very odd that any insurer would expect your country of residence to pay for treatment outside the EU, wherever you were born and thus, yes, travel insurance is a must (thus I really can't leave Europe any more being disabled and having had cancer as insurance companies won't touch me except for half the national debt.) BaF, not all of us have reached UK state retirement age so some of us still get a CEAM from France. [/quote] True but I was pointing out that logically ,if one has an S1 issued by the UK then that only covers one for treatment in France because outwith France, but still in the EU it is the UK which covers you via the EHIC. In your case I suspect that you have an EHIC issued by France therefor it is France who picks up your tab so the previous statement re S1 holders does not apply. ,
  13. I believe that the problem is this. UK retirees who are resident in France take their S1 ,issued by the UK, to CPAM in order to obtain cover . If they have a top up assurance then ,using their cart vitale they are reimbursed by CPAM at the appropriate rate. CPAM then pass on the details to ones mutuelle who then reimburse up to the. remaining amount. All nice and simple. However if one goes on holiday to another EU country,Spain, for example one uses the EHIC issued by the UK. One pays for the medical treatment but one cannot then claim CPAM for the amount, one has to claim via the National Health Service. Ones mutuelle is therefor not notified of the amount refunded ,because it was not refunded by CPAM,so they refuse to reimburse the excess. So despite the fact that ones mutuelle covers one for holidays to another EU country including repatriation(mine does others may not) the difficulty arises because there is no liaison between CPAM and the mutuelle, which would be the case normally for a French national in similar circumstances. I asked my mutuelle about this ,as I could foresee difficulties when the changed the rules ,and the UK now issue my EHIC. It took them several weeks to respond and basically I now will have to pay up front try to obtain a receipt from the Overseas Healthcare team and submit to my mutuelle for any refund. I have not ,luckily, had to use the system yet.
  14. I do not believe that betty was talking about UK citizens with an EHIC. She said quote Some insurance companies require that holiday medical claims are first made to the CPAM. All being well, they will then top up the difference. Be advised, the law has now changed (May 2010 apparently) no reimbursements will be paid by CPAM to non-nationals whilst they are overseas. Not applicable to French citizens I understand. BTW if your looking for a recommendation April Assistance is very good but expensive. end of quote. April Assistance is a French assurance coy dealing with French residents so hardly a recommendation for a UK resident visiting France. PS CPAM do refund costs to a UK EHIC holder non resident in France ,our neighbour visited local doctor 3 times last month then handed in the feuille de soin to CPAM along with bank details ,They were refunded at the appropriate rate the other day.
  15. Help says it all ,when I try to quote the quote part comes out as gobildygook Also no smilies. I am using Googlle chrome.
  16. [quote user="nomoss"][quote user="Boiling a frog"]I do not quite follow. Do you mean that persons with an S1 registered with CPAM ie retired persons ,do not get reimbursed by CPAM? If so that is correct. It is the UK via your EHIC who reimburses you. If that is not what you mean can you expand to give us a bigger clue.[/quote] I don't believe the EHIC is valid overseas, except in EU countries. [/quote] True, but why would CPAM reimburse a UK national ,who is using an S1 to gain access to the French system , but is not a la charge of the French system.
  17. I do not quite follow. Do you mean that persons with an S1 registered with CPAM ie retired persons ,do not get reimbursed by CPAM? If so that is correct. It is the UK via your EHIC who reimburses you. If that is not what you mean can you expand to give us a bigger clue.
  18. [quote user="Russethouse"][quote user="NormanH"]The simple difference is that British people were  tactlessly celebrating the Monarchy in a country which has abolished it, and the French were celebrating the beginning of the revolution in a country which needs it [6] [/quote] Very droll Norman... It was a nice happy event and no one cared about about the politics.  (and I doubt they would have at a Jubilee celebration either) [:)] [/quote] Yes they did http://www.readingy2c.org/Main/Jubilee.aspx
  19. I am just glad it is the "London " Olympics, saves the rest of the country feeling embarrassed.
  20. [quote user="idun"]Which french word to you use when you want to get past someone in a crowd, or a supermarket etc. Very curious, I know what I would say, but heard someone saying something I would not say yesterday, and they kept saying it. [/quote] Excuse me, do you mind moving your bahookie
  21. Depends what you need ,light use, heavy use, emergency only, internet access .
  22. I see the armchair experts are making pronouncements again ,giving us their incisive views.
  23. Several thousand, otherwise the British public would say they they were never there when needed.
  24. I do not think there are any restaurants actually inside the town park(where the major concerts are held) but Cognac has plenty of places to eat near to the park.There is a Mcdonalds nearby. I will report back as I am off to see T |Jones tonight.
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