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Post by pcpa on Jan 4, 2023 12:47:45 GMT 1
For those who have never quite got to grips with exchanging a 'free' health service for the French system, where frequently the cost/bill has greater or equal importance than the actual treatment in the eyes of the provider, there's a feeling of insecurity and the potential to avoid getting things checked out that should be! I find that is far worse with private practitioners and the Cliniques, they have never got to grips with the fact that some people have to pay with their own money and don't have a 300% mutuelle. My coloscopies are 100% prise en charge but they make you have a separate chargeable RdV with the anaesthetist beforehand which is just a tyre kicking exercise to extract money from the Sécu, you never get that in the hôspitals.
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Aardvark
Non-gamer
Living in soggy 22 and still wondering what's going on.
Posts: 2,172
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Post by Aardvark on Jan 4, 2023 12:49:54 GMT 1
I'm on an S1 and still bleeding €85 a month for top up Mutuelle.
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Post by norfolk on Jan 4, 2023 12:58:11 GMT 1
For those who have never quite got to grips with exchanging a 'free' health service for the French system, where frequently the cost/bill has greater or equal importance than the actual treatment in the eyes of the provider, there's a feeling of insecurity and the potential to avoid getting things checked out that should be! I find that is far worse with private practicioners and the Cliniques, they have never got to grips with the fact that some people have to pay with their own money and don't have a 300% mutuelle. My coloscopies are 100% prise en charge but they make you have a seperate chargeable RdV with the anaeshetist beforehand which is just a tyre kicking exercise to extract money from the Sécu, you never get that in the hôspitals. The ‘chargeable rdv etc’ is normal practice before most ops nowadays. It never used to be the case but the system changed when surgeons were bombarded with negligence claims. Many ops nowadays also demand a dental visit.
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Post by pcpa on Jan 4, 2023 13:04:50 GMT 1
I'm on an S1 and still bleeding €85 a month for top up Mutuelle. Were you getting the CMU/CSS before and it was withdrawn or had you never applied Aardvark?
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Post by cernunnos on Jan 4, 2023 13:56:51 GMT 1
Thanks for the info Houpla , I have done a simulation on line for the CSS and it looks like we can apply and get €60/month off our mutuel payments. We will see how it works out. Oops , I misunderstood obviously , I would pay €60/month for the CSS , and now I pay €61/month mutuel , so makes no difference for me at the moment.
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Post by houpla on Jan 4, 2023 14:27:15 GMT 1
They are not being treated in the same way as any other French citizen because the right to the CSS has been withdrawn. That includes the right to the secondary form of CSS which was contributory. You had me a little concerned when you mentioned that last year but my CSS was renewed as usual this year, usual being getting a scary letter telling you that your rights end tomorrow after having jumed through hoops on a poorly designed website to renew several weeks before, then a couple of months of uneasiness where the Carte Vitale still works and pharmacies, médecins etc assure you that you still have coverage before they deign to confirm it, I'm quite used to that now. If your CSS has been withdrawn how are you now getting healthcover? The AME perhaps? What will change when you reach retirement age? Aren't you affiliated via PUMA, though, pcpa? Which is bestowed by virtue of you running a business here? So no question of being reliant on an S1. CSS isn't the same as affiliation to l'Assurance Maladie. It was a complement to it. So we have basic cover, which gets more 'basic' by the year, as remboursements are reduced, the list of ALDs reduced and optical and dental remboursement at derisory levels, despite Macron's much-vaunted 'care for all' publicité. Thank God we're not reduced to relying on AME which, if I remember correctly, has also been tinkered with to reduce costs. It has always excluded those who live or have lived in 'a stable and regular manner', which equally is a requirement for claiming CSS. The main change at retirement age will be a 100% increase in income! What luxury...we'll be able to pay the swingeing Taxe foncière, the hiked electricity bills and perhaps have some left for a mutuelle That's if our newly-acquired eligibility to pay income tax leaves enough The only other change that I'm aware of will be affiliation in my own right, rather than dependance on OH's S1. But enough of this whingeing..it's a New Year, we've got land, a continuous supply of dead mice and when all's said and done, things could be worse. We could still be in the UK for a start!
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Post by houpla on Jan 4, 2023 14:41:44 GMT 1
That includes the right to the secondary form of CSS which was contributory. So, incidentally, not a 'free ride'. The first year I had to pay €25 or maybe it was €30 per month for the CSS because my revenue was €8 over the annual threshold, treated the same as any French citizen, had I or they earned even more we would not have qualified at all, we also had to pay 17.2% CSG & CRDS for the basic heathcover (the CSS being a mutuelle) whereas S1 holders paid zilch for their healthcare even if they had huge pensions, that was the free ride I was referring to. Well I don't know these filthy-rich S1 holders but presumably they paid contributions in UK giving them the right to an S1 and the reciprocal healthcare agreement in place. If their pensions are that hefty, not only would they not qualify for CSS but they wouldn't need it as they can afford private mutuelles. We too contributed to URSAFF before OH reached pensionable age, just like any French citizen. It's ironic that since then we have become French nationals only to be discriminated against by revised French law
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Post by houpla on Jan 4, 2023 14:47:55 GMT 1
I'm on an S1 and still bleeding €85 a month for top up Mutuelle. You would have been eligible for CSS, Aardvark, but you won't be now. Exactly the point I'm trying to make And I doubt that your mutuelle covers you for much? Whereas the CSS was good for just about everything.
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Aardvark
Non-gamer
Living in soggy 22 and still wondering what's going on.
Posts: 2,172
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Post by Aardvark on Jan 4, 2023 17:03:36 GMT 1
Thanks for the clarification. I tried many years ago to apply for assistance but gave up after nearly a year being pushed from pillar to post being handed endless stacks of the "wrong" forms.
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Aardvark
Non-gamer
Living in soggy 22 and still wondering what's going on.
Posts: 2,172
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Post by Aardvark on Jan 4, 2023 17:05:15 GMT 1
I'm on an S1 and still bleeding €85 a month for top up Mutuelle. Were you getting the CMU/CSS before and it was withdrawn or had you never applied Aardvark? Never had it. Tried to apply but got the impression it was not for les etrangers.
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Post by houpla on Jan 4, 2023 17:57:43 GMT 1
It took persistence, especially for renewal each year, when you had to submit exactly the same sheaf of justificatifs that you'd submitted every other year Then it went online which was (briefly) much easier. Then it stopped. Then came the battle and the appeal. On the bright side, it's one less piece of hassle to go through every year
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Post by cernunnos on Jan 4, 2023 18:59:46 GMT 1
It took persistence, especially for renewal each year, when you had to submit exactly the same sheaf of justificatifs that you'd submitted every other year Then it went online which was (briefly) much easier. Then it stopped. Then came the battle and the appeal. On the bright side, it's one less piece of hassle to go through every year You have to re-apply for CSS every year?
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Post by pcpa on Jan 4, 2023 21:58:47 GMT 1
Yes, although they dont tell you, the first inkling you have is a letter saying that your rights ended 3 days before you recieved it and it makes no mention of having to or even being able to re-apply, it just says "you are out matey!" even that is wrong because my Carte Vitale was still working and I was still getting remboursements, presumably in anticipation of me applying for the renewal that they were trying their best to hide from me. They probably brought it in because some people were getting past the Aardvark trap On a more reasoned analysis one has to re-apply each year in order to tell them your income from the previous year, you know that thing called the déclaration des impôts which is supposed to be a joined up system so all the actors can access the info, you can be sure if you tell them something different then all of a sudden they will have the figures at their fingertips.
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Post by pcpa on Jan 4, 2023 22:06:38 GMT 1
Aren't you affiliated via PUMA, though, pcpa? Well yes, or at least I was, I thought the U for Universal in Puma meant it was for anybody that fell through the cracks in the current systems, it certainly was not just for people like myself who worked but were judged to not be working aka revenus de remplacement, so on that basis could you not apply via Puma? I think all the fonctionnaires (pretending to) working from home should be judged to be non actifs with revenu de remplacement I say that I "was" affiliated via Puma because I am no longer working although they probably wont realise until I submit a zero déclaration for 2022, it's about now that I should be re-applying for the CSS although once again I have not been advised, les impôts screwed up with my last return and have given me an RFR of zero, the correct one would be deux fois rien so it does not make any difference but it might just spit me out of the CSS, we will see.
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Nifty
Member
Posts: 4,986
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Post by Nifty on Jan 4, 2023 22:32:37 GMT 1
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