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21/02/2008, 21:35 Boiling a frog Joined on 06/09/2004 Charente 16 Posts 652 Re: Take St Gaudens off the list! If you feel so strongly about it why not follow the correct process and put in an appeal against the charges to the concilliator . You can find all details on the CPAM website for your region.Our first year CPAM tried to charge us for  October to December but when we wrote to the conciliator pointing out that we had an E106 for that period they quickly revised their demand.           Boiling a frog    Report

21/02/2008, 21:53 Ninthace Joined on 23/08/2004 Haute Garonne Posts 49 Re: Take St Gaudens off the list! A useful suggestion BaF.  I am happy to pay for CMU or private insurance for the intervening period but I think I may be breaking some rule to have 100% private cover when apparently I was "covered" by the CMU and therefore be paying for both at the same time.  I have contacted my private insurer and am waiting for a response.  Article 18 of Loi 99-641 may be relevant.    Report

22/02/2008, 16:31 bellaboo Joined on 22/02/2008 Posts 7 Re: Take St Gaudens off the list! I too have received a letter from CPAM at St. Gaudens today saying that we are now in the system (E106 expiree's) and we have also been asked for money from 6th January - 30th September.  If only we could have known, we could have  gone to the doctors, got the brown forms and saved them for this day!!!! instead of nearly having heart failure over private insurance and then having to cancel it all again.  Lets hope it only gets better (at least the weather is good!)    Report

24/02/2008, 11:22 cooperlola Joined on 05/05/2006 72 - Sarthe - home of les 24 heures du Mans Posts 6,439 Re: Take St Gaudens off the list! I see from THIS thread, Ninthace, that aj-dr's CPAM has stated that any costs incurred since the back-dated inclusion date, will be refunded.  Thus, I suspect that your best course of action is to talk to the insurance company and to try to get your premiums back, under the legislation I quoted. Bellaboo, it may be worth talking to your gp to find out if he/she can or will issue your feuilles de soin retrospectively.  It's worth a go! Healthcare Issues Site    Report

25/02/2008, 9:41 Keith CHANNING Joined on 22/11/2007 northern Puy-de-Dôme Posts 52 Re: Take St Gaudens off the list! I think it unlikely that insurers will refund premium moneys payable in respect of the period from commencement of the policy until you notify them that you are accepted into CMU. I certainly don't expect that. Their position will probably be that had you made a valid claim during that period, not knowing that it could have been made against the state system, they would have paid it, therefore they have been on risk, therefore they need the premium. Like many people, I can't afford to pay two lots of premium/cotisation for that period, but am pretty much resigned to the reality that I shall have to. If you want to make an apple pie from scratch, you must first create the universe. - Carl Sagan http://www.beaugut.com    Report

25/02/2008, 9:52 cooperlola Joined on 05/05/2006 72 - Sarthe - home of les 24 heures du Mans Posts 6,439 Re: Take St Gaudens off the list! I think you are right, Keith, in that you should be able to cancel the policy, but backdating is unlikely.  However, on the principal of nothing ventured etc... I think anything is worth a go - certainly the cost of a stamp! Healthcare Issues Site    Report

25/02/2008, 11:43 Keith CHANNING Joined on 22/11/2007 northern Puy-de-Dôme Posts 52 Re: Take St Gaudens off the list! Absolutely - provided it is tempered with the lost beatitude - Blessed is he who expecteth nothing, for he shall not be disappointed! If you want to make an apple pie from scratch, you must first create the universe. - Carl Sagan http://www.beaugut.com    Report

25/02/2008, 16:56 Ninthace Joined on 23/08/2004 Haute Garonne Posts 49 Re: Take St Gaudens off the list!  Keith CHANNING wrote: Absolutely - provided it is tempered with the lost beatitude - Blessed is he who expecteth nothing, for he shall not be disappointed! Then truly I am blessed because all my trips to CPAM were undertaken with that in mind (I also take a good book of crossword puzzles).  We have now received a second attestation direct from Toulouse, fortunately with the same social security number as the one from St Gaudens. Each attestation says at the bottom that all previous attestation documents must be destroyed but the last one received predates the previous one .  Personally I think I 'll hang to everything, especially as these attestations have different social security numbers to the attestation we received just after we got here in 2005.  The new number starts with a 7, the previous numbers started with a 5 for me and a 6 for Mrs Ninthace. I have contacted my private insurer asking for a refund of outstanding premiums.  They had already taken the payment for March but the e-mails I have had implied there should be no problem getting March back - we will wait and see.  They have always been very fast, friendly and efficient so we should not have to wait too long. We also contacted the Union de Recouvrement de la Haute-Garonne concerning the possibility of a pro rata payment for the Jan-Mar quarter's cotisation but they would not discuss anything until they have actually issued the bill and have a reference number so if we get anything, it will have to be via appeal rather than by being pro-active. Edit:   Update - insurance company have not only refunded March premium but also part of Feb premium back-dated to my e-mail to them cancelling the policy.    Report

26/02/2008, 20:44 rothrugby Joined on 19/09/2007 Champagne Mouton (16) France Posts 67 Re: Take St Gaudens off the list! I keep all my old attestations as well, never throw away anything official is my belief. As to PHI premiums, as you should not have been denied CMU in the first place, would CPAM be liable to pay up compensation for any premiums paid whilst waiting for them to sort the mess out.    Report

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France Forum » Living » Health » Changes to Heal... » A Glimmer of Hope?

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