Why I keep every paper ever

I got a letter from my complementary health insurance asking for an updated certificate from the national health insurance (the CPAM for me). I thought it might have to do with the pregnancy, since certain things are reimbursed at 100%, it means less for the complementary insurance to pay. (They already don’t pay very much to begin with: because of specific local laws for those living in Alsace-Moselle, the CPAM pays 90% for most things, rather than just 70% like the rest of France.)

However, it turns out the last certificate they had was from my student days, in 2011! Apparently I have not been getting reimbursed for everything I could have for the past three years. I go to the doctor maybe twice a year, so I didn’t really notice the missing 3 euros, but still, a nice surprise. I just have to give them the papers that the CPAM sends me with the details of what they paid.

I have an online account, but there’s only the past 6 months of payments, and the complementary insurance will back pay up to two years. Which is why I’m glad I keep every paper I ever get and file things in various large folders with labels like “Bank stuff” “Health stuff” and “Tax stuff” (all with a semi-chronological organization). I definitely try to keep track of paperwork very well here, just in case my residency card depends on showing a payslip from 2008 or a bank statement from 2010 for some reason. However, my recent renewal was one of the easiest ever actually, and I came home without needing half the papers I brought “just in case.”

In the end, I’ll probably only get about 15 euros, but that’s enough for yet another cute baby outfit! And when you combine paperwork organization and nesting, you get yet another folder full of receipts for baby clothes, just in case he comes out gigantic and half the things I bought don’t even fit . . .

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