Moulin Neuf Posted January 3, 2006 Share Posted January 3, 2006 After two years in France, on an E106, we have filled in all the necessary forms and because my husband and I are not of retirement age, we have been refused medical cover through CMU/CPAM. Has any one else encountered this? What are we supposed to do? Apparantly we have no cover since 31 Dec 2005. We thought we would simply pay 8% of our revenue. Jan Link to comment Share on other sites More sharing options...
Teamedup Posted January 3, 2006 Share Posted January 3, 2006 Had you given them a copy of the form from Newcastle saying that your E cover had run out? I think that as french residents you are entitled to join the system as long as they have this covering letter. Link to comment Share on other sites More sharing options...
Moulin Neuf Posted January 3, 2006 Author Share Posted January 3, 2006 Yes, we gave them those and everything else they asked for. Many thanks for the suggestion.Jan Link to comment Share on other sites More sharing options...
Anton Redman Posted January 3, 2006 Share Posted January 3, 2006 Did you make a French income tax return and pay Frennch taxes for 2005 ? Link to comment Share on other sites More sharing options...
Moulin Neuf Posted January 3, 2006 Author Share Posted January 3, 2006 Yes, we declared in Sept 2003 that we were here, filled in a tax form for 2004 and paid taxes this autumn. We have fully complied with absolutely everything. My husband is a retired serviceman - and although he declares his taxes here (and pays some here) he pays tax on his pension in UK as a foncionaire. We are totally shocked by this refusal. Jan Link to comment Share on other sites More sharing options...
Teamedup Posted January 3, 2006 Share Posted January 3, 2006 http://vosdroits.service-public.fr/particuliers/F1072.xhtml Well that says you can as long as you are resident in France for three months. I would suggest that you contact the Caisse de Maladie again in writing, lettre recommande avec accuse de reception ( and keep all copies of every thing including envelopes you receive ) stating that you believe that you are eligible to join them and are appealing against their decision.I would state clearly in my letter that photocopies are enclosed of tax declarations and of the letter stating that you are no longer entitled to E106 cover. Also I would phone Newcastle and ask what they think about this. Don't know what they would say, but I would do it anyway. Link to comment Share on other sites More sharing options...
annie1 Posted January 4, 2006 Share Posted January 4, 2006 [quote user="Moulin Neuf"] After two years in France, on an E106, we have filled in all the necessary forms and because my husband and I are not of retirement age, we have been refused medical cover through CMU/CPAM. Has any one else encountered this? What are we supposed to do? Apparantly we have no cover since 31 Dec 2005. We thought we would simply pay 8% of our revenue. Jan[/quote]Read your posting and wanted to ask, did the CMU/CPAM contact you by letter and tell you that you were not entitled to cover? My reason for asking is that we too have no cover from Dec 2005 and we too have filled in all the various forms including copies of the required documents, to date we have heard nothing from anyone. We also are French resident, tax paying, and have had our letter from Newcastle saying our cover has run out, and we are now wondering if we should be looking out for a letter or should we be contacting CMU/CPAM to ask for confirmation? We visited the CMU/CPAM main offices in Amiens rather than using our local offices in the hope this may hasten the process, but in the end we had to go back and forward three times as the forms we were given originally were the wrong ones. At our final visit the young lady we spoke with assured us that the forms would be processed, but to date, as I said, we have had no confirmation, no demand for payment nothing.[*-)] Link to comment Share on other sites More sharing options...
Moulin Neuf Posted January 4, 2006 Author Share Posted January 4, 2006 We were wanting to go to Spain for a month and I telephoned to ask if I could have a Carte International. We have not to date had a letter - and infact have updated our carte vitales at the pharmacie since the beginning of the year. I was told that there was a letter on its way to us refuing us affiliation. I have telephoned everyone every where. UK are sorry but not interested. The British Consul in Bordeaux was sorry but could not help. Eventually, I am being told by one of the big bosses at CMU Poitiers that it is because we fall into a very particular category. According to Para 383.3 of the Code de la Securite Social (I wrote a transalation down and think it is accurate) "People founctionaire of a foreign state and their families are not allowed to affiliate to the CMU." This includes all ex-miliitary, and all civil service and practically everyone who has ever worked for the governnment. We can be taken back on charge at age 65 when we have a state pension. Jan Link to comment Share on other sites More sharing options...
Suandpete Posted January 4, 2006 Share Posted January 4, 2006 I can't understand this at all - my husband is ex military and inreceipt of a pension paid and taxed in Uk - I am ex Civil Service andin a similar position. We complete a tax form here each year and sendin copies of the pension details - and yet we have had no problem atall affiliating with CPAM. It almost sounds as if they think youare still serving. Link to comment Share on other sites More sharing options...
Sevenup Posted January 4, 2006 Share Posted January 4, 2006 [quote user="Suandpete"]I can't understand this at all - my husband is ex military and in receipt of a pension paid and taxed in Uk - I am ex Civil Service and in a similar position. We complete a tax form here each year and send in copies of the pension details - and yet we have had no problem at all affiliating with CPAM. It almost sounds as if they think you are still serving.[/quote]Is your husband under 65? Link to comment Share on other sites More sharing options...
Moulin Neuf Posted January 4, 2006 Author Share Posted January 4, 2006 My husband is not serving - he retired in February 2004 at age 55.Jan Link to comment Share on other sites More sharing options...
Anton Redman Posted January 4, 2006 Share Posted January 4, 2006 EEC and therefore UK goverment pensions such as for instance Fireman's pensions which are funded on a pay as you go basis ( from current taxation rather than having accumulated funds) are taxed in the country which pays them out of current revenue rather than the country of residency of the person who receives them. If this is the case for you have a go at Newcastle and see what they have to say, try and climb past the first person who answers the 'phone. I suspect they have a duty to provide cover. Also have a look at escalating via 'your' MEP who I think covers Cornwall. Link to comment Share on other sites More sharing options...
Moulin Neuf Posted January 7, 2006 Author Share Posted January 7, 2006 Tha nk you all for your concern. Now that our anger has deminished abit, we are appealing against the decision. Meanwhile we have found a company who have given us cover at about the same price of affiliating and having a mutuelle. Also if we win our appeal CMU will give us the first 3 months of the year for nothing - and on the production of an attestation from CMU the insurance company will cancel our cover without penalty.One of the staff in one of the insurance firms we visited actually told us she thought we were very lucky as we could choose - and our policy covers us world wide. She thought many a French person would like the choice.We will post the outcome - my main anger is someone saying 'no' and also not having notified us before the cover ran out. One good thing is that the prescriptions signed before the end of last year will be honoured by both CPAM and the mutuelle. One question we shall be persuing - if we have the special status given to serving diplomats, soldiers, etc, then will they allow us the priviledges with regard to not being subject to taxes, inheritance laws and capital gains tax. Could be an amazing advantage. Jan Link to comment Share on other sites More sharing options...
Miki Posted January 7, 2006 Share Posted January 7, 2006 Jan,Could you let us know more about this health insurance that will coveryou for all the normal obligatory health cover here in France. I ask this because some time ago it was, I thought, made interdit forany insurers to sell any more than a top up and that residents inFrance had to go through their own "works" cover, CPAM or to be on theCMU and no other health cover could be given. Are you sure yours willcover all types of Doctors visits, hospital visits, all forms of Ops, medecinesetc for a resident here ?I must say that this refusal by CPAM to allow you CMU, is a first asfar as I am aware and hopefully is not the start of a further trend of somekind against foreignershere. If, as you say, it is some law that they have found, it cannot betoo old as CMU has only been with us since around 2000 and I amsurprised that it was not known before and been posted. Good luckanyway. Link to comment Share on other sites More sharing options...
Moulin Neuf Posted January 8, 2006 Author Share Posted January 8, 2006 The assurance we have taken out has been with a company called April Assurances. It is their Premier Euro Non assujettis L'assurance sante des non-assujettis. - Une garantie sante individuelle specialment cocue pour les personnes ne beneficant d'aucun regime obligatoire d'Assurance Maladie.Their address: April Assurances, Siege social, 27 rue Maurice Flandin BP3261 69403 Lyon cedex 03. Fax 04 78 53 65 18 Internet www.april.fr.Jan Link to comment Share on other sites More sharing options...
Miki Posted January 8, 2006 Share Posted January 8, 2006 Well, that's another legal law made by the French thats gone pear shaped !!I saw the part about L'assurance santedes non-assujettis and how it is for those that do not have "normal"assurance santé. There was not enough info to see exactly what onegained in the obligatory section but the top up with April lookedpretty normal.How did that come about I wonder, when supposedly since 2000, everyoneis legally allowed to have assurance santé through CPAM (CMU) ! Thesmall print must have been made even smaller than normal eh !What I don't get, is that CMU came about, due to a bad loophole thatallowed some people (the poorer Fench and others without ability to payor out of work) to find themslves without health cover. Incame CMU, at the same time, out went companies that offered folkshealth cover and we were led to believe that these companies could nowonly offer top ups in the way mutuelles etc were allowed to do.After many years in France, I am still getting to the bottom of it all, oh yes, you live & learn daily here alright.!! Link to comment Share on other sites More sharing options...
Patter Posted January 9, 2006 Share Posted January 9, 2006 Snap... we had a letter on Friday giving us cover but on Saturday we recieved a letter that rectified the last letter saying that we have been refused cover. My husband like you is in receipt of an army pension , and at 63 is not quite pensionable age. Like you we will be fighting this please keep us informed of any progress you make, as we will with you.good luckpatter Link to comment Share on other sites More sharing options...
Moulin Neuf Posted January 9, 2006 Author Share Posted January 9, 2006 Where are you in France - we are in the Vienne and our local office is in Poitiers. We would be happy to talk privately to you if you like.Jan Link to comment Share on other sites More sharing options...
Will Posted January 9, 2006 Share Posted January 9, 2006 Just as a reminder; CPAM de la Manche has an English-speaking helpline, specialising in health cover questions for British people moving to France, and available, as far as I know, to those in, or thinking of moving to, any part of the country. The number is (in France) 0820 904 212. It is open Mon-Fri 0900 to 1800. Hope you get this sorted out. It all sounds wrong to me Link to comment Share on other sites More sharing options...
Patter Posted January 10, 2006 Share Posted January 10, 2006 On querying our refusel we were told that it was because my husband was still getting a wage from the army (ie his pension) then we were not elligable.we are sending proof of civvy employment for the last 25 years or so. and explaining that what he recieves is his pension. but how long it will take to get an answer I dont know.patter Link to comment Share on other sites More sharing options...
Ron Avery Posted January 11, 2006 Share Posted January 11, 2006 Is it just possible that you filled in the wrong box on your tax return and they think your O/H is getting a wage not a pension? Just a thought, because nobody I know in your situation has been refused cover by CPAM. Have look back at your tax returns, retirement pensions are recorded separately on the French tax forms. Link to comment Share on other sites More sharing options...
Mayennaise Posted January 12, 2006 Share Posted January 12, 2006 Our E106's ran out on 31/12/05 and we trotted off to our local CPAM office mid December with the letter from Newcastle and a copy of our tax form. Mr hubby is ex-navy and in receipt of a pension even thought he is not yet 50. We received the leter from CMU yesterday advising us how much we are to pay and when I went the the pharmacy yesterday to collect my tablets I didn't have to pay anything!! I am confused as when we were covered by the 106 I had to pay a proportion. Please can someone explain this to me?? Link to comment Share on other sites More sharing options...
Patter Posted January 12, 2006 Share Posted January 12, 2006 we checked the tax form today. and it was filled in properly, but thanks for the advice.my husband had also faxed and emailed newcastle, couldnt get them on the phone, always engaged, had a phonecall from newcastle. today, we were told that her manager would be phoning France to get an explanation.. On querying about the E111 as i am going to england next month she said that I do not need it for EnglandThe saga goes on........P.S. What department is Mayennaise in. I hope you are not like us we had thast letter but it was cancelled the next day.Patter Link to comment Share on other sites More sharing options...
Teamedup Posted January 12, 2006 Share Posted January 12, 2006 Mayennaise, if you have a mutualist and your pharmacist has the details then you may well not have to pay for everything at the pharmacy. Sometimes we have something to pay, sometimes not, depends on what it is. Link to comment Share on other sites More sharing options...
Mayennaise Posted January 14, 2006 Share Posted January 14, 2006 Patter - I'm in dept 53 and we haven't received a letter advising that we can't join the system - YET!! - only the one saying that we can.Teamedup - We haven't sorted out a mutualist yet - so who is paying!![*-)] Link to comment Share on other sites More sharing options...
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