This page answers all your questions about applying for a residence permit.
Click on one of the links to go directly to the section you’re interested in.
- Health Insurance, Social Security and CPAM
- Carte Vitale
Health Insurance, Social Security and CPAM
>>> I have a student residence permit and I would like to register with Social Security. How can I do this?
You must register at etudiant-etranger.ameli.fr to be eligible for French health insurance.
For more information, see the Assurance Maladie website.
WatchCampus France video tutorial: in English, in Spanish
>>> I am a European student (*) on an exchange programme. Do I have to register with Social Security?
No, you will continue to be covered by the health system in your own country throughout your stay in France.
You will only have to pay the “patient’s contribution” to your medical costs and your health insurance fund will reimburse the rest (depending on the system in force).
You must remember to apply for anEHIC (European Health Insurance Card) before your departure or check that your existing card will not expire before the end of your stay. You will need to show it to every healthcare professional you see.
>>> How much does it cost to register with Assurance Maladie?
Registration with Assurance Maladie is free of charge.
>>> What is my Social Security number used for?
It is a unique personal identification number that is assigned to you for life.
Healthcare professionals, the CAF, your employer, etc. will ask you for this number.
For more information, see the Assurance Maladie website.
>>> I am a foreign researcher working in France. How do I sign up for health insurance?
If you are employed in France, you must register with Assurance Maladie. This will cover all your medical costs in France.
You can sign up yourself or through your employer by contacting your Caisse Primaire d’Assurance Maladie (CPAM), which will issue you with a social security number.
If you are European (*) and have been seconded to France, click here for more information.
If you are a European(*) expatriate, click here.
If you are a third-country national with a Talent Passport residence permit, please contact CMI Rennes. Contact:firstname.lastname@example.org
>>> I am a researcher conducting research in France but not employed by a French organisation. Am I entitled to social security coverage?
No, you are not entitled to social security health coverage.
You must therefore take out private insurance that will cover your medical costs for the length of your stay, at least up to the amount provided for by Assurance Maladie (70%).
This insurance can be taken out via a French company or from your home country.
Contact CMI Rennes for more information:email@example.com
>>> What is the difference between the CPAM, Assurance Maladie and Social Security?
Assurance Maladie is the "Health" branch of the social security system, encompassing healthcare, workplace accidents and occupational illnesses.
The Caisse Primaire d’Assurance Maladie (CPAM) is more specifically responsible for healthcare costs (reimbursements) and access to care.
For more details, see the Assurance Maladie website.
>>> What is the purpose of complementary health insurance/mutual insurance?
Complementary health insurance, or mutual insurance, covers all or part of the medical costs not covered by Assurance Maladie.
Complementary health insurance is not mandatory but is strongly recommended.
For more information, go to Service-Public.fr
>>> My spouse and children have come with me to France. Are they covered by Assurance Maladie?
It all depends on your situation and their conditions of residence in France.
If you are registered with Assurance Maladie, your family is entitled to health cover from Assurance Maladie.
However, this is not the case if your spouse has a Visitor residence permit, for example, and you have a Student residence permit.
If you yourself do not have a residence permit that allows you to register with Assurance Maladie, your spouse will not be able to either.
For more information, contact CMI Rennes: firstname.lastname@example.org
>>> I have received a health insurance certificate with a temporary social security number. What is it for? What should I do?
A provisional social security number (which starts with 7 or 8) is issued when Assurance Maladie has received your registration application but is awaiting further documents or checking your civil status documents (generally your birth certificate).Send the requested documents as quickly as possible and/or wait to receive your permanent social security number.
>>> How do I get a Carte Vitale?
You must first obtain your permanent social security number from Assurance Maladie.
Once you have this number, you can apply for your Carte Vitale online by creating an account on Ameli.fr.
>>> My Carte Vitale is lost or stolen. What should I do?
If your Carte Vitale is lost or stolen, you can apply for a new one at Ameli.fr.
>>> I haven’t received my Carte Vitale yet, but I’ve had to go to the doctor’s. Will the doctor's fees be reimbursed?
If you have already received your health insurance certificate with your permanent social security number, you can apply for reimbursement of your medical expenses.
Your health practitioner (doctor, pharmacist) will normally give you a “treatment form” in paper format, which is equivalent to a paid invoice. Complete the form, stating clearly your social security number, and give it to your Caisse Primaire d’Assurance Maladie (with a copy of the prescription if you have one). You will be reimbursed within at least 15 days.
For more information, see Ameli.fr
>>> What is the CVEC and what is it used for?
The CVEC (Contribution de Vie Etudiante et de Campus - Student and Campus Life Contribution) is used to finance social, health, cultural and sports projects on student campuses.
Watch the Campus France video tutorial about CVEC:in English,in Spanish
>>> Is the CVEC compulsory?
Yes, it is compulsory for all students
For more information, go to etudiant.gouv.fr
>>> When must I pay the CVEC?
You must pay the CVEC before enrolling in your university or school,
which will ask to see the receipt before finalising your administrative registration.
>>> How much is the CVEC?
For 2020/2021, it is €92. All payments must be made online via the dedicated portal.
However, you may be exempt from paying the CVEC in certain cases (e.g. Campus France scholarship students). You must provide your university or school with an exemption certificate when you enrol.
*European: national of a member country of the European Union or the European Economic Area.
Do you have any questions about your accommodation?Go to FAQs – Accommodation.
Do you have any questions about applying for a residence permit?Go to FAQs – Residence Permits.
Why would you be denied health insurance? ›
Summary. There are a wide range of reasons for claim denials and prior authorization denials. Some are due to errors, some are due to coverage issues, and some are due to a failure to follow the steps required by the health plan, such as prior authorization or step therapy.How do I prove my income to NY State of health? ›
PROOF OF CURRENT INCOME: You must provide a letter, written statement, or copy of check or stubs, from the employer, person or agency providing the income. Submit all that apply.How does HealthCare gov verify income? ›
If you don't expect your income to change for the year you're seeking coverage: You can provide your most recent tax return or W-2s. If you have a different job than you had last year but expect the same income, don't send documents that show income from your old job. Send recent pay stubs from the new job instead.What are the four important things to consider when choosing HealthCare insurance coverage? ›
- Type of Plan and Provider Network. Do the health care. ...
- Premiums. How much will you pay per month for coverage? ...
- Deductibles. What is the amount you must pay out of pocket before your coverage kicks in? ...
- Co-pay or Coinsurance. ...
- Coverage of Medicines.
No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started.Is high blood pressure considered a pre-existing condition? ›
Other Types of Pre-existing Conditions
Hypertension (high blood pressure) is an example of one such common pre-existing condition affecting more than 33 million adults under 65.
Insurance companies can ask you health questions when buying other types of insurance, such as: Dental insurance. Disability insurance. Life insurance.What can be considered as income proof? ›
– Ration card, license, Voter's ID, or other Identity Proof. – Parents' income certificate, income tax return, Form 16 by the employer, Salary certificate, etc as proof of income.Do you have to report income for health insurance? ›
Generally, you must include in gross income everything you receive in payment for personal services. In addition to wages, salaries, commissions, fees, and tips, this includes other forms of compensation such as fringe benefits and stock options.How do you prove additional income? ›
- Pay Stubs. Renters with a full-time or part-time job generally receive this document from their employer. ...
- W-2. ...
- Tax Returns. ...
- 1099 Form. ...
- Bank Statements. ...
- Letters from an Employer. ...
- Social Security Benefits Statement. ...
- Pension Distribution Statements.
Can you use HealthCare.gov If you make too much money? ›
If you don't qualify for lower costs on a health plan because your income is too high, you can still buy health coverage through the Health Insurance Marketplace ®. To apply, create an account or log in to your existing one.What are the income limits for HealthCare.gov 2023? ›
Again this year, people with annual income up to 150% of FPL ($20,385 for a single person and $34,545 for a family of 3 in 2023) will be able to enroll in marketplace plans year-round.What are the income limits for 2023 HealthCare.gov chart? ›
|# of People in Household||100% of FPL||150% of FPL|
|1||$ 13,590||$ 20,385|
|2||$ 18,310||$ 27,465|
|3||$ 23,030||$ 34,545|
|4||$ 27,750||$ 41,625|
These include doctors' services, inpatient and outpatient hospital care, prescription drug coverage, pregnancy and childbirth, mental health services, and more. Some plans cover more services. Plans must offer dental coverage for children. Dental benefits for adults are optional.What are the three most important terms to know in health insurance? ›
- Allowed Amount - The highest amount we will cover (pay) for a service.
- Benefit Period - When services are covered under your plan. ...
- Coinsurance - A certain percent you must pay each benefit period after you have paid your deductible.
Citizens in the United States typically receive health insurance from three main sources: private insurance (either through an employer or purchased on their own), Medicare and Medicaid.
- You can't control when you get sick or injured. ...
- See if you're eligible for the tax credit subsidy. ...
- Choose an HMO. ...
- Choose a plan with a high deductible. ...
- Choose a plan that pairs with a health savings account. ...
- Related Items.
- What does the plan cover? ...
- How much does the plan cost?. ...
- Can I keep my same doctor?
You can still get health insurance cover if you have pre-existing medical conditions, but it is unlikely your policy will provide cover for them. The type of underwriting of your health plan determines whether your pre-existing conditions will be covered in the future.
How do insurance know about pre-existing conditions? ›
With moratorium underwriting, you don't need to tell your insurer about any pre-existing medical conditions when you apply for cover. Instead, each time you claim they'll look at your medical history to see if it's a new or pre-existing condition or symptom and if you're covered for it or not.Does insurance cover pre-existing conditions? ›
Yes. Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.Does high blood pressure make you uninsurable? ›
Living with high blood pressure significantly increases the risk for heart disease and stroke, which makes those with this condition a greater risk to insure. However, as long as you're managing your condition with medication and diet, you will likely be able to find life insurance coverage.What are examples of pre-existing conditions? ›
A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. Insurance companies can't refuse to cover treatment for your pre-existing condition or charge you more.What do insurance companies consider high blood pressure? ›
Life insurance companies typically consider high blood pressure as a systolic reading over 135 and a diastolic reading over 85. Some companies consider high blood pressure a systolic reading over 130 and a diastolic reading over 80 — it will depend on the specific insurer.Why do insurance companies ask health questions? ›
A navigator or broker may ask about your health history to guide you to the most appropriate plan offerings, but no plan offered on the Affordable Care Act's marketplace through HealthCare.gov will require you to answer such questions before enrolling.What health questions can an employer ask? ›
An employer also may not ask a job applicant to answer medical questions or take a medical exam before making a job offer. An employer may ask a job applicant whether they can perform the job and how they would perform the job.Why do insurance companies ask if you have other insurance? ›
Sometimes two insurance plans work together to pay claims for the same person. That process is called coordination of benefits. Insurance companies coordinate benefits to: Avoid duplicate payments by making sure the two plans don't pay more than the total amount of the claim.Can I show bank statements as proof of income? ›
Does a bank statement work as proof of income? Many landlords will accept bank statements as proof of income as long as they show at least two paychecks being directly deposited into the account. In addition to a bank statement, landlords may want to receive an employment verification letter.At what age do you stop filing taxes? ›
Single taxpayers over 65 do not need to file unless their non-social security income is over $14,250. Married taxpayers over age 65 do note need to file unless their non-social security income is over $27,800.
Does health insurance get reported to IRS? ›
Health coverage providers are required to file information returns with the IRS and furnish statements to individuals each year to report coverage information for the previous calendar year.What income is not reportable? ›
The following items are deemed nontaxable by the IRS: Inheritances, gifts and bequests. Cash rebates on items you purchase from a retailer, manufacturer or dealer. Alimony payments (for divorce decrees finalized after 2018)What is an example of additional income? ›
Additional income can be earned through your employer with avenues like overtime, bonuses, back pay, and commission. Be sure you understand supplemental income tax in those cases. Most of the time, supplemental income refers to when people find easy ways to make extra money outside of their regular job.What is included in additional income? ›
selling things, for example at car boot sales or auctions, or online. doing casual jobs such as gardening, food delivery or babysitting. charging other people for using your equipment or tools. renting out property or part of your home, including for holidays (for example, through an agency or online)Do I have to report additional income? ›
Income from freelancing, running your own small business, or working at a second job brings in extra income without requiring you to quit your day job. But, like your main source of income, a second job or multiple side gigs have to be reported on Form 1040 at tax time.What happens if I underestimate my income on healthcare gov? ›
You'll make additional payments on your taxes if you underestimated your income, but still fall within range. Fortunately, subsidy clawback limits apply in 2022 if you got extra subsidies. in 2021 However, your liability is capped between 100% and 400% of the FPL. This cap ranges from $650 to $2,700 based on income.How does healthcare gov verify income? ›
If you don't expect your income to change for the year you're seeking coverage: You can provide your most recent tax return or W-2s. If you have a different job than you had last year but expect the same income, don't send documents that show income from your old job. Send recent pay stubs from the new job instead.Does healthcare gov want gross or net income? ›
Include as income? If your pay stub lists “federal taxable wages,” use that. If not, use “gross income” and subtract the amounts your employer takes out of your pay for child care, health insurance, and retirement plans.Can you make too much money to qualify for Obamacare? ›
The limits are based on both household income and household size. In 2022, an individual in a one-person household is eligible for some degree of Covered California subsidies if they earn up to $51,520. Meanwhile, that limit rises to $106,000 for a household size of 4.Will the Affordable Care Act be available in 2023? ›
2023 Open Enrollment is over, but you may still be able to enroll in 2023 health insurance through a Special Enrollment Period.
What are annual limits for health insurance? ›
An annual limit is the maximum amount you can claim from your health insurance provider for a certain extras service. Annual limits vary between health funds and with different levels of cover.What is considered a high deductible health plan 2023? ›
A high deductible plan (HDHP) can be combined with a health savings account (HSA), allowing you to pay for certain medical expenses with money free from federal taxes. For 2022, the IRS defines a high deductible health plan as any plan with a deductible of at least $1,400 for an individual or $2,800 for a family.What is Biden's policy on healthcare? ›
But what is Biden's plan for healthcare? Biden has said that his plan will insure more than 97% of Americans by introducing a Medicare-like public option for individuals and families. He also says his plan will strengthen the Affordable Care Act (ACA) by increasing marketplace subsidies.How is healthcare government spending is projected to change through 2025? ›
Growth in out-of-pocket spending is projected to decrease to 5.5 percent in 2023, 5.2 percent in 2024, and to an average of 4.1 percent over 2025-30. By 2030 the out-of-pocket share of national health expenditures is projected to ultimately fall from its current historic low of 9.4 percent in 2020 to 9.0 percent.What are some good questions about health? ›
- Why do I get sick? ...
- How do the disease-causing germs invade my body? ...
- What does the immune system do? ...
- What is the difference between bacteria and viruses? ...
- Do our intestines contain germs? ...
- Where are some other places that germs hide? ...
- What are allergies? ...
- What are antibiotics?
- Should I worry about my cholesterol? Cholesterol is a necessary fat substance that helps our bodies build cells and make hormones. ...
- Why do I need a yearly wellness exam? ...
- Should I see my provider for a cold? ...
- Why can't I sleep? ...
- What can I do to prevent cancer? ...
- Should I take a multivitamin?
- Do I Have All the Coverage I Need? ...
- Am I Getting All the Discounts and Savings I Can? ...
- What Is Covered if My Car Is in an Accident or Gets Damaged? ...
- What is Covered if My Car Is in an Accident and Someone Is Injured or Dies?
Health is a state of complete physical mental and social well-being. It's not only the absence of disease. A person is said to be healthy when he/she is free of any type of disease (infectious/deficiency) when he/she is mentally happy and healthy, and when his/her social relationships are healthy in society.What are the 3 biggest health problems? ›
- Physical Activity and Nutrition.
- Overweight and Obesity.
- Substance Abuse.
- Mental Health.
- Injury and Violence.
- Environmental Quality.
Every time you talk with a doctor, nurse, or pharmacist, use the Ask Me 3 questions to better understand your health. What is my main problem? What do I need to do? Why is it important for me to do this?
What are leading questions in healthcare? ›
A leading question is a type of closed question that tends to encourage or lead a person to respond in a certain way. The unintentional result might be a response that is biased or inaccurate. Triage nurses must learn to recognize and avoid questions that are potentially leading.What is the website for health questions? ›
MedlinePlus - Health Information from the National Library of Medicine.What are the biggest health problems? ›
Heart disease and stroke still the leading causes of death for both U.S. men and women. NIH-funded scientists currently are looking to the power of precision medicine to better understand and manage these disorders.What should you not say to insurance? ›
Some key phrases to avoid saying to an insurance adjuster include: “I'm sorry.” “It was all/partly my fault.” “I did not see the other person/driver.”What are the 3 typical requirements in an insurance policy? ›
Common conditions in a policy include the requirement to file a proof of loss with the company, to protect property after a loss, and to cooperate during the company's investigation or defense of a liability lawsuit.
- Your car insurance may not be tied to the driver.
- The type of car you drive matters.
- Prior claims and questions raise rates.
- You can check your report for errors.
- Your credit score impacts your car insurance costs.
An insurance form questionnaire is a form used by insurance companies to collect information from customers about their personal, family, and household history.