Medicare in the Philippines

To those of you who may know this, my apologies but, for those expat seniors who didn't know it, St. Luke's Hospital in Manila TAKES MEDICARE AND SUPPLEMENTAL INSURANCE!!  I just discovered this on St. Luke's site.

You need an Advantage Medicare plan which is what I have and my supplemental is with United Healthcare/AARP.

This was wonderful news to me as it changes my life's plan to be able to have that coverage in the RP.  I can suffer Manila for that. Also, with pre-arranged ambulance transport, you could go North to Subic or South to Tagaytay and still use St. Luke's for heavy duty care.

Obviously, one needs to check his provider but I'd willingly change my provider to get medicare and supplemental coverage in the RP.

And I do not sell insurance. I'm a lawyer in California, at least I am now.

Tsmslf :

To those of you who may know this, my apologies but, for those expat seniors who didn't know it, St. Luke's Hospital in Manila TAKES MEDICARE AND SUPPLEMENTAL INSURANCE!!  I just discovered this on St. Luke's site.

You need an Advantage Medicare plan which is what I have and my supplemental is with United Healthcare/AARP.

This was wonderful news to me as it changes my life's plan to be able to have that coverage in the RP.  I can suffer Manila for that. Also, with pre-arranged ambulance transport, you could go North to Subic or South to Tagaytay and still use St. Luke's for heavy duty care.

Obviously, one needs to check his provider but I'd willingly change my provider to get medicare and supplemental coverage in the RP.

And I do not sell insurance. I'm a lawyer in California, at least I am now.

I have visited their site for Global city and Quezon city and did not find the information. Can you supply a link?

FYI.  The Philippines has an Insurance provider that goes by the name Medicare Plus Inc. , could that be what you are referring to? 

Looking forward to your reply.

Regards

The documents I printed are at my office so tomorrow I post what I have. I think the name you wrote is involved somehow.  They specify "advantage" plans which is my Medicare plan plus they take supplemental insurance and mine is United Healthcare through AARP.  I need to find out if my providers are in their group.  It should be easy to find as I asked Google for Medicare outside of the US and St.Luke's came up. I knew of it so followed it and here we are.

Tsmslf :

The documents I printed are at my office so tomorrow I post what I have. I think the name you wrote is involved somehow.  They specify "advantage" plans which is my Medicare plan plus they take supplemental insurance and mine is United Healthcare through AARP.  I need to find out if my providers are in their group.  It should be easy to find as I asked Google for Medicare outside of the US and St.Luke's came up. I knew of it so followed it and here we are.

Good news if true. I'll look further.

Thanks

St. Luke's does not accept U.S. Medicare insurance for payments, though they suggest checking with your supplement provider (if you have one) to see if they cover medical expenses in the Philippines.

This is from the St.Luke's website:

St. Luke's Hospital participates with several Medicare Advantage plans and we accept all forms of Medicare supplemental insurance.

There is some opportunity here for an expat to figure out how to take advantage (no pun intended) of this.

I'm in California so the details are of no personal interest but it makes the Phils more appealing than before.

Tsmslf :

This is from the St.Luke's website:

St. Luke's Hospital participates with several Medicare Advantage plans and we accept all forms of Medicare supplemental insurance.

There is some opportunity here for an expat to figure out how to take advantage (no pun intended) of this.

I'm in California so the details are of no personal interest but it makes the Phils more appealing than before.

In the Philippines they are called St. Luke's Medical Center which operates 2 hospitals in the NCR area and can be quite confusing.

I found that exact quote for St. Luke's Hospital in St. Louis, Missouri:
https://www.stlukes-stl.com/medicare/index.html

The Philippines' groups website is https://www.stlukes.com.ph/

To Hobbitt & fellow Members:

You are correct and I was wrong for which I apologize. I have no idea how a Missouri hospital came up in my search and i was so happy to read what I found that I went no further and immediately shared that good news with you all.

Again, I was dead wrong and I apologize for my error.

Personally, it affects my decision concerning whether or not to retire to the RP so I'm kicking myself as well.

No worries Tsmslf, I seem to remember making the same mistake when doing my own research. 

There is a Fil-Am group in the US pushing for it to happen, though I don't think it is going to happen soon, if at all.  If you are ex-military on the other hand, Tricare DOES cover here in the Philippines. 

There are several private insurance companies that do offer coverage in the Philippines also, Blue Cross/Blue Shield out of California I think is one.

Medicare in Guam

Guam Regional Medical City, a four year old hospital, accepts Medicare insurance.  The hospital has good reviews locally from a Guam resident I spoke with.   The hospital responded to my inquiry via their Facebook page, stating that they do accept Medicare for non residents, specifically, me.

Guam Memorial (the old hospital), also accepts Medicare, though their accreditation by Medicare is currently under review for non compliance with some Medicare requirements.

Both hospitals can be found on the internet, with Guam Regional also having a Facebook page.

It was suggested that for costs not covered by Medicare (co pay, etc.), that questions be sent to the Hospital in advance.  They responded to my request for information in 2 days. 

Regards.

A few years ago residents of Guam were able to receive treatment in the ph thru Medicare but only in cases where treatment not available in Guam and would have to be treated in Hawaii this was thru the work of a senator in Guam

Hobbit112,

Thanks for that information about Tricare.  I'm retired military and looking to retired, for good, in PI.  I will call Tricare and ask about there coverage there.  I had no idea that I could use Tricare in PI, thanks for mentioned it.

Do you have serious health concerns?  There is world class health care here and international insurance that will cover you for the much lower costs.  I have  $500k coverage (more than enough for Philippines) for a yearly premium of $1200 (I’m 54) and a $1000 deductible.  I also have PacificCross for $500 with direct access to hospital care with $30,000 coverage.  So for $1700 I’m very well covered.
You can PM me for details.

You only live once and being overly cautious may be more detrimental than actually living life.

Hi

Thank you for your informative post. Who is the Insurance Company that you pay the $1200 annual premium to? Do you have active Medicare and Medicare supplemental in the USA besides these 2 insurance policies in the Philippines?

Best Regards
Solivec

The plan is from Aplus International out of Hong Kong.  I used Pacific Prime as the broker.

https://aplusii.com/

I don’t qualify for Medicare as I’m only 53.  When that time comes I may possibly enroll in a Medicare Advantage plan using a US address there and will only get a Medical Evacuation plan.  I would keep my Philippines PacificCross plan till I’m 70 which is the oldest age they cover.  But obviously a lot can happen between now and then.

Yes broke my hand in Thailand and MyHumana Medicate Advantage paid with some deductions which I will list!
1. The Exchange rate they use is very low because they are not an ATM.
2.  There was high co-pay above the USA.
3.  There was a transaction fee.
Humana will reimburse for any foreign hospital not just Saint Luke’s. However generic drugs are free with Humana in the USA but not traveling.

Yes most Medicare Advantage nowadays reimburse  medical expenses while traveling.  Part A and B can be kept active for US care if you relocate permanently to another country.  Medicare Advantage and part D require you to be in the US after six months. 

“If you get a Medicare Advantage plan, then your plan doesn't always cover medical services while traveling outside of the United States. ... One thing is certain that if you travel outside of a Medicare Advantage plan's service are for more than six months, you will likely be disenrolled.”

Hi! I cannot find anything on St Lukes site about Medicare Advantage... Can you send me the link to the page at *** ?

    I live in Baguio but have an American ex-pat friend in Thailand that needs a hip replacement and no hospitals in Thailand take Medicare... :(

                Thank you!  Sincerely, David T Pike  USAF 1974-78

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That was a misunderstanding based on a St Luke’s Hospital in the US.  There are no hospitals in the Philippines that accept Medicare of any kind.  Your best bet would be Guam.

nabashalam :

Hi! I cannot find anything on St Lukes site about Medicare Advantage... Can you send me the link to the page at *** ?

    I live in Baguio but have an American ex-pat friend in Thailand that needs a hip replacement and no hospitals in Thailand take Medicare... :(

                Thank you!  Sincerely, David T Pike  USAF 1974-78

St Lukes in the Philippines does NOT take Medicare insurance. The rumor about St Lukes started with another expat. Unfortunately he did not look close enough to see that the St. Lukes Hospital he was referring to was in Chesterfield Missouri serving the St. Louis area.

Regards.

Hobbit112 :

No worries Tsmslf, I seem to remember making the same mistake when doing my own research. 

There is a Fil-Am group in the US pushing for it to happen, though I don't think it is going to happen soon, if at all.  If you are ex-military on the other hand, Tricare DOES cover here in the Philippines. 

There are several private insurance companies that do offer coverage in the Philippines also, Blue Cross/Blue Shield out of California I think is one.

Thanks for the info. I´m also retired US military...

robal :
Hobbit112 :

No worries Tsmslf, I seem to remember making the same mistake when doing my own research. 

There is a Fil-Am group in the US pushing for it to happen, though I don't think it is going to happen soon, if at all.  If you are ex-military on the other hand, Tricare DOES cover here in the Philippines. 

There are several private insurance companies that do offer coverage in the Philippines also, Blue Cross/Blue Shield out of California I think is one.

Thanks for the info. I´m also retired US military...

Tricare is available here, I think both in Cebu and Manila.

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