Aha, thanks for that link Mandy!
I took ill while in the US, and was thankful that we took the precaution of having additional private travel insurance to cover this and any additional costs.
My French insurer has paid for the CHANGE to our flights - yes BA charged us the princely sum of Euros 1600 to cancel our flights from Boston to New York, then New York to London and finally on to France - and instead give us earlier tickets for Boston/London/Nice. Unbelievable charge just to modify flights for 2 people, and to add to our woes, when we turned up to checkin about 10 hours later, they told us we were on standby! So BA falls far below the standards expected, but insurance company refunded us quickly and efficiently - once BA actually manage to produce an invoice (tricky request for them that one…???) that is, took 3 attempts and lots of time on the phone.
I had to visit a GP surgery, and have various tests done at the local hospital before we left the USA - not huge bills, around USD1000. Generous discounts for paying within 30 days and for not being insured (with a US company that is) were a welcome surprise when the hospital bill came in. You hear such dreadful stories of US medical money grabbing - the reality for me was quite the opposite. I had to call them once safely back in France and recovered to ask if I could pay!
Anyway, the surprising thing was that the French insurers said that I had to first send my American bills to CPAM - and they would reply by sending me a certificate saying how much they would cover, then the insurers would refund me the balance. This surprised me, as I thought that France would not pick up any of these costs. I have sent all the originals to CPAM, along with a covering letter, and not yet heard back from them. Have now printed the form you kindly posted the link to, and will send that on to them, with a copy of the original letter. Perhaps that may speed things up a little. From my point of view, does not matter how much CPAM actually do pick up in the way of costs, I just need to prove that I have asked them and will then be refunded.
Looking forward to visiting New York at some time in the future, sorry to have missed it this year, but at least I had a wonderful time in New England in The Fall…