French & American couple requirements

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French & American couple requirements


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Old 5th October 2019, 11:19 PM
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Default French & American couple requirements

I'm a French citizen and my husband is American. We are talking about moving to France in the next couple of years but after reading a lot of threads on this forum, I have some questions.

1. My understanding from French relatives is that all of their medical costs are covered under the national plan. But I keep seeing this 70% number and the need for private insurance. Can you tell me how that would work for me and for my husband?

2. Would it be better to get a home in France a few months before moving and using the address to go ahead and get health insurance in place, etc? Or would we have to wait a few months for me to apply and be processed for the French system?

3. We are adopting our baby and he will have a passport when we travel. Does he need any additional documentation to be eligible for creche or maternele when we arrive?

4. Should we be approaching buying a home differently than expats if we put it in my name?

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Old 6th October 2019, 08:30 AM
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Welcome to the forum. It sounds as if you've been gone from France a very long time. But let's try to answer your questions one by one.

Quote:
Originally Posted by elmcnamara View Post
I'm a French citizen and my husband is American. We are talking about moving to France in the next couple of years but after reading a lot of threads on this forum, I have some questions.

1. My understanding from French relatives is that all of their medical costs are covered under the national plan. But I keep seeing this 70% number and the need for private insurance. Can you tell me how that would work for me and for my husband?
To enroll in the French health care system you need to have 3 months of residence in France. He may be required to show evidence of private insurance to obtain his visa (even a spouse visa) and from what we're hearing lately, they may require him to have private insurance for the term of his first titre de séjour, i.e. for the first year.

You'll also need some sort of insurance coverage for at least that 3 month period while you are establishing residence, but it's best to get a 6 to 12 month policy simply because the process of registering for the CPAM (the national insurance) can take a few months due to backlogs and other delays.

You also need to understand that the French system is a two part system. The national system reimburses about 70% (it varies by type of service and a few other factors), and then most people have some sort of mutuelle, which is a private insurance that picks up the part that the CPAM doesn't reimburse. The mutuelle may be part of a person's employment package, or it may be purchased separately. Depends on how you plan on supporting yourselves when you get here.

Quote:
2. Would it be better to get a home in France a few months before moving and using the address to go ahead and get health insurance in place, etc? Or would we have to wait a few months for me to apply and be processed for the French system?
You need to be resident in France for 3 months before you can register for the national health insurance, which means you need to be physically present here.
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3. We are adopting our baby and he will have a passport when we travel. Does he need any additional documentation to be eligible for creche or maternele when we arrive?
What passport will the baby have? US or French? I'm not aware of the details, but I do know that there are certain "approvals" necessary to extend your French nationality to your adopted child. But those should probably be sorted out in the adoption process anyhow.

As far as creche or maternelle goes, just make sure you have your child inscribed on your livret de famille (and thus on your French birth certificate). If you by any chance don't have a livret de famille you should apply for one asap - the processing can take a while.
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4. Should we be approaching buying a home differently than expats if we put it in my name?
You'll need to consider what "regime" you are married under before you buy a home. That will determine the disposition of the property in the event of divorce of the death of either of you. And you need to consider whether or not you'll be able to "just" put a property in your name. The usual case is that any property acquired during the marriage is considered part of the "communauté" of the couple and thus they share equal interests in the property. In other circumstances, it may depend on where the funds have come from used to purchase the property. (I.e. it can only "belong" to you alone if you provided all the funds to pay for it - and you may need to have a "separation de biens" contract for your marriage.)

Property ownership is a bit more complicated in France than in the US. You can't just decide between yourselves how you want to handle finances and ownership interests. I would hold off a bit in buying a home until you have lived here a while and have gotten used to some of the "peculiarities" of how these things work here.
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Old 6th October 2019, 04:08 PM
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He will be registered on our carte de famille after the adoption is final so he'll have a French passport (he already has an American one)

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