Home Forums Health, Fitness & Beauty Healthcare after 65

This topic contains 13 replies, has 11 voices, and was last updated by  tigre 8 months, 3 weeks ago.

Viewing 14 posts - 1 through 14 (of 14 total)
  • Author
    Posts
  • #400832

    Marie
    Participant
    • Topics: 47
    • Replies: 501
    • Contributions: 548
    • Guardian
    • ★★★★★

    Member since
    9th May 2016

    My husband reaches 65 in the next couple of months so he has already received a letter from the DWP Overseas Healthcare Team which makes reference to healthcare and to which country is responsible.

    We retired here early so have never worked in France. We pay for a Mutuelle and have done for the whole time we’ve lived here (now in our 8th year). So CPAM pay for 70% and the Mutuelle 30%. It works quite well so we have no complaints.

    We have no idea why it is even suggested that the UK ‘might’ pay. Has anyone else in a similar position received this letter and if so what happened?

    Does it mean that once you reach state pension age the whole system of healthcare changes? We had no idea anything would be different :unsure:

     

     

    0
    #400862

    Paul Robinson
    Participant
    • Topics: 10
    • Replies: 110
    • Contributions: 120
    • Scout
    • ★★★

    Member since
    8th April 2016

    After you start to receive your state pension the UK will pay for the 70% part of your healthcare which CPAM cover. You will still be be responsible for the other 30%, and therefore will need to keep on paying for the mutuel.

    If you have been paying a contribution towards your CPAM healthcare this will stop, when your pension starts.

    I cannot remember the details(I have been getting my state pension for over 6 years), but it should be straightforward.

    If you have been paying a contribution you will be paying one quarter in advance. Once you start to receive your pension you can claim a reimboursement for the time before your birthday. The reimbursment should be for the whole of the quarter in which your birthday occurs.

    Hope this helps.

    1+
    #400869

    fredhiggins
    Participant
    • Topics: 1
    • Replies: 91
    • Contributions: 92
    • Adventurer
    • ★★

    Member since
    16th March 2017

    just to add that you will recieve a form S1 from DWP to forward to cpam, they then upgrade your carte vitale. your payments for any treatments will stay the same!

    0
    #400956

    Marie
    Participant
    • Topics: 47
    • Replies: 501
    • Contributions: 548
    • Guardian
    • ★★★★★

    Member since
    9th May 2016

    Thanks for both comments, really useful. No, we haven’t paid anything towards CPAM, just the amount you don’t get reimbursed, for example the 50cents or euro when you visit the GP or a prescription but that’s all.

    0
    #401056

    John P
    Participant
    • Topics: 48
    • Replies: 1078
    • Contributions: 1126
    • Super Star
    • ★★★★★★★

    Member since
    5th January 2017

    I am in a similar position and will be elligable for my state pension from November. You have to apply for your pension within the four months precceding your start date and apply for your S1 withing 28 days of the start date. That is what I have been told by DWP.

    I retired early but due to a change in my circumstances I did work in France for a few years and will be entitled to a small pension here. It is very little so I shall not be claiming it initially(It increases slightly the later I draw it) but I understand that once I claim a pension here, the French then become responsible for my healthcare once again. I can forsee problems with that situation especially as I am with RAM and not CPAM and that is further complicated because I am on medication for life following my heart operation and that element is covered 100% but I will cross that bridge when I come to it.

    0
    #406213

    Beatrix
    Participant
    • Topics: 7
    • Replies: 125
    • Contributions: 132
    • Scout
    • ★★★

    Member since
    18th March 2018

    A slightly worrying article in The Connexion about those relying on the S1 to cover their health costs.

    UK pensioners’ healthcare ends March 29, 2019 – Cnam

    0
    #406216

    Marie
    Participant
    • Topics: 47
    • Replies: 501
    • Contributions: 548
    • Guardian
    • ★★★★★

    Member since
    9th May 2016

    No idea how anyone can foresee what might happen after March 2019 so we were surprised to read that article today too. Lots of scaremongering going on that the moment. Crazy.

    1+
    #406217

    Roger Wood
    Participant
    • Topics: 18
    • Replies: 735
    • Contributions: 753
    • Star
    • ★★★★★★

    Member since
    22nd August 2018

    Just waffle as it stands. Neither cnam, nor indeed  any of us knows what will happen, it is all speculation. Fact is, many people could then be uninsured for health due to the costs required for private cover. Being British many may think it best to return thereby creating a scenario of tens of thousands of ex pats returning from the likes of Spain, Italy and France to name but three. This would put a massive amount of pressure on the UK, so a far better solution and certainly a more economic one is for the UK to continue in the mode it has been doing for a very long time. Don’t forget, supposedly May has stated that any EU nationals now in the UK will be treated exactly as before. My humble guess is that recipricol agreement will continue. Not sure what might happen to new arrivals in France from the UK after  March 29th  2019, that will obviously need to be discussed by the UK and the EU.

    0
    #406221

    commandomum
    Participant
    • Topics: 124
    • Replies: 1221
    • Contributions: 1345
    • Super Star
    • ★★★★★★★

    Member since
    25th July 2017

    Keep our fingers crossed

    0
    #406239

    kate bush
    Participant
    • Topics: 54
    • Replies: 392
    • Contributions: 446
    • Guardian
    • ★★★★★

    Member since
    19th March 2016

    When I received my pension and S1 last November, my S1 stated it was only valid until 29 March 2019.  It’s a wait and see I’m afraid.  :unsure:   :unsure:

    0
    #406267

    Marie
    Participant
    • Topics: 47
    • Replies: 501
    • Contributions: 548
    • Guardian
    • ★★★★★

    Member since
    9th May 2016

    A deal would have to be done re. healthcare because if not the situation would be the same for other EU nationals living in the UK surely? Unless of course the UK just allowed anyone and everyone access to their free healthcare (wouldn’t surprise me at all!)

    My husband becomes an ‘official’ pensioner in 5 weeks’ time (he took early retirement aged 54). We’re not at all concerned. If needs be we’ll buy a small property in the UK and call that our main home!

    But I have faith that common sense will prevail.

    0
    #406285

    officer crabtree
    Participant
    • Topics: 4
    • Replies: 311
    • Contributions: 315
    • Chief
    • ★★★★

    Member since
    23rd March 2016

    As long as you are resident in the UK you get NHS treatment even if you have not a paid a penny ever That is why the NHS is on its knees And I  just do not mean immigrants etc but all those Brits who have never worked or are on a good occupational pension and even worse the bloodsuckers who take all their income in shares dividends etc which are not subject to NI So you can be a millionaire and pay no NI and only 20% tax That is why the NHS must move to being a contributory system based on income and not rely on the government setting its budget as NI is no longer hypothecated for health and welfare

    0
    #406287

    Fruitcake
    Participant
    • Topics: 97
    • Replies: 4625
    • Contributions: 4722
    • Mega Star
    • ★★★★★★★★

    Member since
    13th July 2018

    I’m not sure what, if any, help this is to anyone but some aspects of our situation have been mentioned, so I will waffle on regardless.

    We ‘retired’ here early, lived by the seat of our pants to start with (as far as health care is concerned) until we ran out of money and Mr. F. then registered for and worked here. While he was working and earning money we asked the department in the UK for the amount he would need to pay to bring his contributions up to date and paid them. He was with RSI here for all contributions etc and we had a top up (mutuelle) health insurance and fully in the system.

    When Mr. F. reached the UK retirement age of 65 in May of that year he received his state pension whilst still working in France, everything was declared to the accountant. In August of that same year he had to give up work due to a stroke, the accountant dealt with everything and said he must claim his pension from France (which surprised us both as he’d only worked here for 3 yrs!)

    So, our situation is currently that we are both 100% because of the qualifying illnesses, he with RSI, me with CPAM, he receives his little pension from France (52 euros per month but every little helps!)  and we both receive the state pension from the UK. we would have had an S1 when we reached the appropriate age (15 yrs ago now for Mr. F.)

    I, like everyone else, have no idea whatsoever what will happen after March 29th 2019, am not worrying about it now and will see what happens when the time comes. I tend to live each day as it comes, sort each problem as it comes, don’t worry about things I can’t change, and try and change those I can if I need to.

    1+
    #406316

    tigre
    Participant
    • Topics: 36
    • Replies: 7473
    • Contributions: 7509
    • Mega Star
    • ★★★★★★★★

    Member since
    23rd April 2016

    Marie, for what it’s worth I don’t think there will be a problem for expats and health as long as you meet the requirements. A UK address wouldn’t really help as you’d have to be living in the UK permanently to take advantage of free health care from a practical side of things.

    0
Viewing 14 posts - 1 through 14 (of 14 total)

You must be logged in to reply to this topic.