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29/09/2007, 12:02 cooperlola Joined on 05/05/2006 72 - Sarthe - home of les 24 heures du Mans Posts 6,408 Re: Health Care Providers  Ron Avery wrote: Can you explain exactly what you after by these posts?  You are appear to be offering nothing to those who will be disenfranchised from the CMU on expiry of their E 106s or are below retirement age or providing the name of a healthcare insurer Your site appears to be only about wanting to charge more than 21€ for a consultation for English speakers, who will have to pay this fee in full in future if kicked out of the CMU. Incidentally my French Doctor does not ever, no matter how long I spend with him, charge more than the going rate and I doubt any others on here can say differently.  Are you proposing to offer a discount for a five minute consultation then?  There are many English speaking French doctors all over on the south west if you want them, some do, some don't. Ron, to be fair - although I'm 100% with you on this - the problem may have arisen because the title of my original post is misleading.  I have now changed it to emphasise the insurance aspect. Dr Casson, hopefully you are aware that at present, most posters' concerns are about being able to pay for health cover at all - I doubt whether the language in which they are treated is the most important thing to them at the moment. Healthcare Issues Site    Report

01/10/2007, 10:39 cooperlola Joined on 05/05/2006 72 - Sarthe - home of les 24 heures du Mans Posts 6,408 Re: Health Care Providers Just bumping this up to let you all know that I have added several more companies to this list in the past week.  See the first post. Healthcare Issues Site    Report

01/10/2007, 15:23 lebois Joined on 25/09/2007 Perigord Posts 110 Re: Health Care Providers Hi everyone, We have just changed our status back from 'Illegal Immigrants' to the European Citizen in France as we were yesterday.  During the weekend, we waded through all the 'print offs' of cover and quotes for Health Insurance.  Tough job when we were previously expecting to buy into the French system @ 8%, we are fit and well so it was easy for us, we thought.  This afternoon, we went to our AGF Insurance man armed with plenty of 'competition' to negotiate.  After hearing our tale of woe, he was amazed at the situation we are all in.  He was polite, though he smiled he didn't rub his hands once!  We have had everything (House, car and health) including complimentary insurance with him for 2.5 years.  So we knew he could offer something, but not what. After explaining that AGF wasn't yet in a position to help us as they had been caught 'on the hop', he began to show us other policies that he has trauled the market for, some the same as we had seen and others we hadn't seen.  There were 555 euros/month and 800+/month, and in between.  So after explaining, that we were just early retired teacher and engineer, not oil drillers he then discussed our other options.  Basically, we had to reduce cover; the long and the short of it is we now have cover very simiar the cover that buying into the French NHS would have given us.  For a similar price and hopfully we won't need to use it.  For us, 270 Euros/month (270-120 paid previously = 150/month more for the 19 months before E121). We are covered from today as we had already got complimentary insurance and the deposit was vastly reduced. We had to fill in a full page of declaration questions but we had nothing to hide, and he had our complimentary recors, nothing paid out in 2.5 years. My advice to you people that need to get covered now or soon, see your current Insurance person armed with the best quotes you can find, they will do their best to keep your business. We are now expecting UK to issue E106s to cover every, as life is like that! This post is offered to give some of you normal people like us some help or direction.  Hopefully the situation wll change for the better for the people with pre-conditions, good luck. For any people local to Perigueux feel free to PM for further direction, if required. French Health Issues Website    Report

01/10/2007, 17:45 Mrs. P. Joined on 01/10/2007 Northern Lot Posts 16 Re: Health Care Providers Just stumbled onto this website this afternoon, whilst looking for info.and guidance. We're early retirees too, from the Channel Isles which brings it's own set of problems. Jersey, not being an E.U country,doesn't have either a reciprocal health or tax agreement agreement with France. We took professional financial advice before arriving here 6 years ago, in order to establish what our tax and health outgoings  would be likely to be, given that joining the French health system was obligatory. We hooked into the system and started paying in, during the first three months we were here. [Unlike the UK, Jersey has no 'E' forms entitling us to free anything!] We have lived, to date, on my Police pension, quite adequately. Two years into our residency here, we adopted a Russian child through the French system. He suffers with hemiparesis,  and is mildly handicapped, with a weakness in the right hand and lower leg. Enquiries with the health authorities and our GAN mutuelle insurances before the adoption, to establish if our 'cotisations' would remain the same, or rise, to accommodate any treatment he might receive were favourable, and luckily they remained as they were. That's a bit about our background.  Given the present changes, for which we can get no concrete assurances from anybody, my husband phoned the English speaking CPAM helpline that was being advertised, this morning, and the only advice we were given was that they might know more at the end of October. I am still waiting for a return call from the CMU in Cahors in the Lot, who I phoned also this morning. Our options, unless the situation changes, are either my husband finding work in order to remain affiliated to the CMU, which would continue to offer protection for our son, or to go down the road of private medical cover, which would not only be a great deal more expensive, but which would not include our son, due to his existing condition, according to one private health firm I telephoned to for a quote.. Payments for treatment, such as the 'Botox' injections in the lower leg, and the 'caliper shoes' would have to be borne by ourselves. Under these circumstances, we could probably not afford to continue living in France, and as house prices have risen phenomenally back 'home', we couldn't afford to return there either. Like a great many people, this situation, which is not of our making, has caused a lot of anguish, and we're not sure what to do next. My husband has signed on for work with the 2 agencies in our area, but like many small towns, employment is limited, and, I regret to say, seems to be  biased in favour of the French! Earlier this year he sent his C.V. to approx. 15 local businesses, of which I believe only 3 bothered to reply in the negative. So the employment option isn't looking too good at present. We've been reading about this '5 year residency business'; can anyone explain what that's all about? Apologies for rambling on, but it is very worrying. We're wholeheartedly behind you all with our support! 'Pas de lieu Rhone que nous'    Report

01/10/2007, 17:58 cooperlola Joined on 05/05/2006 72 - Sarthe - home of les 24 heures du Mans Posts 6,408 Re: Health Care Providers As you have been here for 6 years, by the sound of the news as we know it today, then you should qualify for a titre de sejour which should give you continued CMU rights.  However, as most of our information is based upon EU legislation then the residency right may be an even greyer area for you than us. The only way, however, which we can establish that this is the case, is for somebody on here to try it.  Please speak to your Mairie, Prefecture and your CPAM because individual cases will give us the hard information everybody needs.  All else is speculation based on the best information we have from one moment to another. However, the goalposts shift every day so keep watching (the locked and stickied "Story so Far" thread is the one with the firm info' in it.)  But one day we think we've got it right, the next day, no... I don't know if it helps but, you are not alone!  Everybody is doing all they can to at least clear this up once and for all, and at best to get something done about it. There is a separate board on here for non-EU citizens over here.  You may find that a post on there would yield some info.  There may be people on here from outside the EU who know the drill, as it were.  Bon courage, and good for you for adopting as you did.  I for one don't think you should be penalised for being good people. Healthcare Issues Site    Report

01/10/2007, 20:43 chessfou Joined on 15/11/2005 Aveyron Posts 395 Re: Health Care Providers Ooh, even more complicated*. Since you are not citizens of the EU (UE) then most of the stuff we have all been looking at (including Coop's reference to 5 year residency) probably won't apply. Have you tried approaching Brussels to find out whether you should, in general, be treated in Europe as equivalent to an EU citizen or as an alien? [I thought there were special rules for residents of CI, IOM, Andorra, Gibraltar etc.] *Not least because even the Europa site seems to be in a state of flux, e.g.: http://ec.europa.eu/youreurope/nav/fr/citizens/index.html which includes (today): Vos droits en matière de résidence et de mobilité dans l'Union européenne ont fait l'objet d'améliorations récentes. Vous trouverez bientôt sur «L'Europe est à vous» des informations actualisées sur les droits de résidence et les procédures d'entrée. Entretemps, vous pouvez consulter des informations d'ordre général sur ces thèmes en cliquant ici. which leads through to here: http://ec.europa.eu/justice_home/fsj/citizenship/movement/fsj_citizenship_movement_fr.htm with much talk about EU citizenship.    Report

01/10/2007, 23:12 Mrs. P. Joined on 01/10/2007 Northern Lot Posts 16 Re: Health Care Providers Thanks for the info. As my husband is from the UK, I am [or was] under the impression I was, as wife, 'covered' by his E.U. status. I don't quite know what to think now! Frankly the authorities in Jersey aren't any help at all in this area. I'll do as suggested and look at the non E.U. pages on here, then if necessary, take it further with the mairie and prefecture. This could be very important to clarify now, seeing as it is my police pension we live on.  'Pas de lieu Rhone que nous'    Report

02/10/2007, 8:15 Helen Joined on 23/08/2004 12 Posts 138 Re: Health Care Providers Mrs P I  would think that you are quite right. As  your husband is from an EU country his family is also entitled to be here under the same conditions. If permanent residence (legal residence for 5 years)  is accepted as giving the right to continued affiliation to the CMU then that should apply to the whole family.  The trouble is although the legal  texts  clearly say that permanent residents no longer have to prove resources (and in consequence should be able to join/continue in  the CMU) no French official has  yet confirmed this. The British Embassy says that this is the case and the two internet newsletters that came out yesterday also at suggest that French sources will concede this.  http://www.connexionfrance.com/expatriate-news-article.php?art=45 http://www.french-property.com/newsletter/2007/10/1/health/ http://www.britishembassy.gov.uk/servlet/Front?pagename=OpenMarket/Xcelerate/ShowPage&c=Page&cid=1059132495834 Unfortunately many of us had our hopes raised a couple of weeks ago by the British embassy  (who said no-one in the system would be affected) only for the French to say the very next day that we would have 6 months to find private health  health care. At the moment we don't know who to believe. Its a very worrying time for everyone.    Report

02/10/2007, 10:33 cooperlola Joined on 05/05/2006 72 - Sarthe - home of les 24 heures du Mans Posts 6,408 Re: Health Care Providers This recent post in another thread is interesting "My parent's CV ran out on 30/9 so with fear and trepidation I phoned the CPAM yesterday to ask where the attestation was.  They phoned back today and asked, is your father retired ?? Oh yes   And is he retired in his own country ? errr No he's not 65 yet In that case, under the new rules we will not be renewing your father's cover. However during the telephone conversation it appears :- They know of the 6 month rule but haven't had it communicated to them from the head office of CPAM and so cannot act on it.  They also know of something changing with the 5 year rule but also cannot act on it. If you sign on you will not be covered by CMU If you start work VIA  cheques d'emploi once you have worked your 60 hours you will be covered If You go back to uk and work, get a new e106 and return you'd be covered as long as you are in receipt of an E106 or E121. They will not write confirmation that they are not renewing at this time as they have not been told to get the CV's returned and she said at the moment the CV's are not blocked but she told me to get looking for private health care and as soon as the 6 month rule is communicated to them she'd get in touch.  I think i'll phone next week and hope that the wheels are in motion for the 6 month rule being applied to the local CPAMS by then." What seems to have happened here is that the CPAM knew there are changes afoot and are sitting on things until they get clear guidelines.  I imagine that this will be common practice in the early weeks - letting entitlements run until they have an official communication from above.  As "above" doesn't know what it's doing, then there's little hope for those at local level. You could certainly get your o/h to check your EU membership status as his wife.  At least then you'd have ammunition.  One thing is that I suspect that at least he and your child would be considered to be EU citizens - I can't see that being contested. Healthcare Issues Site    Report

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France Forum » Living » Health » Changes to Heal... » Health Care Insurance Providers

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