Medicare reimbursement

Salazarmonroy said . . . . Medicare is not accepted in the Philippines but if you go to a JHACO certified hospital like St Luke’s and have a Medicare advantage plan, they might reimburse for hospital and doctor expenses. These are anecdotes from my patients in Houston. But it must be an emergent admission.

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Caveat:

(1) You left out two important things.  You must have a *urgent care rider and the visit must be for *life threatening circumstances like stroke/heart attack.

(2) Also you must settle your bill with the hospital and then apply to your Medicare Advantage Provider for possible reimbursement.

My Calpers insurance was as stated above, only good if you are admitted through ER and you pay out of pocket then bill the insurance.

I did this once.

After Copay and Deductible I only received $60 back from a p30K overnight stay. After that I canceled my health insurance for the last 4 years and just paid when needed.

Turning 65 soon, so I will reinstate my health insurance and once I hit 65 I will automatically be enrolled into a advantage program.

Ill just schedule a trip back if needed or if I am unable, just go through the ER, and apply for whatever reimbursement I can get back afterwards.

Not many good choices for us who are permanently here for the long run.