Are U. S. expats residing in the Philippines covered by Medicare? When I worked for the U.S. Dept. of Defense in Germany and one time had to be hospitalized, part of the cost was covered by Medicare and part by my private health insurance. I think that's because I was employed by the U.S. Government. Yet, Medicare (here in the US) told my wife that if she decides to retire overseas...in a foreign country, she wouldn't be covered by Medicare. Our private health insurance will always cover us no matter where we live overseas, so that's not a problem. Just not sure about Medicare. Can anyone give us the scoop on this in the Philippines?