Sounds like you have an advantage plan. Ours is supplemental. United Healthcare Plan F. It’s not offered anymore, we’re grandfathered in. The worldwide came automatically, we don’t pay extra.
- Thread starter SteveK
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US Health Insurance - US Federal Employee Retired
Sounds like you have an advantage plan. Ours is supplemental. United Healthcare Plan F. It’s not offered anymore, we’re grandfathered in. The worldwide came automatically, we don’t pay extra.
Correct, but you pay $500 a month more than I do. I just don't get the reason for this payment...
World wide emergency is fine but you have to pay out of pocket and then submit bills to UHC
If you have an emergency does the ambulance come and take you to a public hospital or to a private clinic
First answer is I have Dominican Insurance and that is what I use.
Second one is I have a Medicare Advantage plan that covers the 20% so I pay NOTHING extra EVER. Do some research yourself and you will find out something that has been around for many years.
Medicare Advantage Plans cover all Medicare services
Medicare Advantage Plans cover all Original Medicare services, and some offer drug, vision, hearing, dental, or wellness coverage.
First answer is I have Dominican Insurance and that is what I use.
Second one is I have a Medicare Advantage plan that covers the 20% so I pay NOTHING extra EVER. Do some research yourself and you will find out something that has been around for many years.
Medicare Advantage Plans cover all Medicare services
Medicare Advantage Plans cover all Original Medicare services, and some offer drug, vision, hearing, dental, or wellness coverage.www.medicare.gov
Medicare Advantage plans vary widely by state and sometimes by county. Some are very restrictive. Many doctors won’t accept them in NJ. None of them offer any coverage of any kind in DR that I’m aware of.
Ca n you state your preferences to the driver?? Meaning, is a private clinic compelled to admit you?
You will NEVER see a Dominican family waiting for an ambulance here. They get there ANY way they can as FAST as they can...................
Are all of the comments above regarding coverage with BCBS etc. based on where you have declared residency? For example, I live in the DR, BUT my declared residency is the US. I have some suspicions based on previous experience that some of the better plans mentioned might not be applicable. (???)
That type of UHC plan is not available in the area where I have coverage in the USA. It is more like an 80/20 plan for some services and it has small copays for specialists and no referral needed within their regional system.
Depending upon where one has coverage, the plans available in the US for Medicare Advantage vary dramatically.
I have no seen one that will cover outside the US. I have local insurance with Humano Plan Royal, middle of the road plan with them.
Not necessarily true with respect to emergency care:
And
Do I Have Medicare Coverage When Travelling Abroad?
Medicare doesn't generally pay for medical services outside of the United States and its territories except in rare medical circumstances.
www.aarp.org
Medicare for travelers
Many people plan to travel when they retire. But you need to know what to pack. Find out how to bring the right health coverage with you on your travels.
www.aetnamedicare.com
You can, and they will take it under consideration as long as the distance is equal.
If an ambulance picks me up in San Cristobal, they'll take me to any clinic in town, but not to Santo Domingo, for example.
I'm talking about 911 ambulances, not private ones.
I would have to disagree, AE. I think there are many retirees here that would find it very useful to know that they can have a Medicare Advantage Plan with zero premium to fall back on if they have any kind of serious or long-term illness or if they just prefer to have a US surgeon for whatever they need. Not every expat living here would want to be paying for an expensive Medigap Plan, or just getting by with PartB, if they don't have to. I know I have my zero premium Medicare Advantage just for the above reasons.
My friend here has bluecross blue shield and he has been in hospitals in Las Terrenas and cedimat in capital and both took that insurance
I know a Boeing retiree who also has BlueCross BlueShield and it covered all of her amazingly inflated medical costs at CMC.