Is Us Medicare Coverage in the Philippines Possible?

Blue Cross Health Insurance Quotes - Is Us Medicare Coverage in the Philippines Possible?

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Between 2007 and 2008, rumors and reports came out that U.S. Medicare coverage in the Philippines is possible. Generally, U.S. Medicare coverage is exiguous to all 50 states. Has Medicare gone portable at last? This description explores the truth behind the talks.

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A Look Back

Sources estimate that out of the 4 million legally staying Filipinos in America in 2008, approximately 80 percent hold U.S. Citizenship and a estimate are covered by Medicare.

Medicare is America's federal condition guarnatee program. It was first created in 1965 to advantage citizens aged 65 and older. In 1972, the program was revised, allowing younger habitancy with Lou Gehrig's disease, permanent disabilities and end-stage renal condition complications to enroll.

Understanding the Structure

Medicare is a communal term that may consist of a estimate of plans:

original Medicare that provides hospital guarnatee and medical insurance Medicare advantage that provides both basic and extra healthcare services, as offered by incommunicable condition maintenance organizations (Hmos) and prescription drug plans that may or may not be tied to a Medicare advantage plan

Additionally, there are Medigap plans to supplement what former Medicare does not cover. They are offered by incommunicable guarnatee companies.

The current policies are lettered C to J. However, in a fact sheet released by the branch of condition and Human Services of the U.S., new Medigap plans M and N will replace plans H, I, E and J starting June 1 of this year.

Off-Shore Medicare Coverage in Theory

Under the former plan, the circumstances that allow Medicare portability are limited. Coverage exterior America is permitted whenever a foreign hospital is nearer than any other hospital on American soil. In rare emergency cases, those traveling "without unreasonable delay" straight through Canada may also avail of off-shore coverage - in case,granted again that the Canadian hospital is much closer than an American hospital.

In March 2010, the branch of Foreign Affairs of the Philippines confirmed that under the former Medicare plan:

"... Residents of Guam and Saipan... Are allowed to seek medical treatment... On emergency cases, availing of their Medicare benefits in Philippine medical facilities, due to the proximity of the Philippines vis-a-vis Hawaii, the nearest Us state."

This development is credited to the efforts of Madeleine Bordallo, congresswoman of Guam, and of Roberto Romulo, old branch of Foreign Affairs secretary, who lobbied that Philippine hospitals be allowed to issue Medicare reimbursements.

Off-Shore Medicare Coverage in Practice

My Philippine relinquishment made a round of phone calls to check whether hospitals in the Philippines have already reimbursed Medicare benefits under the former plan. There were no recorded cases yet, the staff said. In fact, majority of the hospitals appeared to be unaware of "U.S. Medicare."

They did furnish the following list of honored international condition guarnatee plans, some of which have tie-ups with Medicare advantage plans:

List A.International condition Insurances Honored in excellent Luzon-Based Philippine Hospitals as of March 2010

(Allianz) Worldwide Care - Asian Hospital Aetna - Asian Hospital Aetna Global advantage - Makati medical Center Alliance - Asian Hospital Blue Cross International - Asian Hospital Blue Shield - Asian Hospital Calvo's - St. Luke's Hospital Cigna - Asian Hospital Gmc Services - Makati medical Center Hth World Wide - Makati medical Center Ima - Makati medical Center Img - Asian Hospital International condition guarnatee of Denmark - Makati medical Center International Sos - Makati medical Center Net Care - Asian Hospital, Makati medical Center Pacific International - Asian Hospital prestige International - Makati medical Center StayWell - St. Luke's Hospital TakeCare - Asian Hospital TieCare - Asian Hospital, Makati medical Center Vanbreda International - Asian Hospital, Makati medical Center William Russel - Asian Hospital

Availment of guarnatee benefits varies by condition maintenance organization (Hmo), guarnatee plan and servicing hospital. The insured must request about their Medicare advantage benefits by Hmo or plan name. Definite concerns may be sent to the respective buyer care and credit/billing departments of the hospital.

List B. Touch information of excellent Philippine-Based Hospitals that Honor International condition Insurances with inherent Medicare advantage Tie-Ups

Asian Hospital and medical Center: info@asianhospital.com * +63 (2) 771-9000/ +63 (2) 876-5838 Makati medical Center: sales@makatimed.net.ph * +63 (2) 870-3000/ +63 (2) 870-3008 St. Luke's Hospital: info@stluke.com.ph * +63 (2) 723-0101/ +63 (2) 723-0301

Impact on Philippine relinquishment Decisions

The affordability of healthcare services in the Philippines is somewhat let down by the "pay-as-you-go" system, but a recent turn of events are changing the way inherent retirees view the minor "cash first" inconvenience.

One such development is the direction that Medicare portability is headed. Statistical trends indicate that by 2011, Medicare expenditures will soon exceed the revenues generated from the trust fund. This can be prevented when cheaper off-shore facilities are used to deliver the same-quality healthcare services offered in the U.S., experts explain.

Another development is the condition reform bill on inpatient protection and affordable care that U.S. President Barack Obama signed in March 2010. The current reform permits off-shore coverage and guarnatee of habitancy with pre-existing condition conditions. There will also be a minimum each year tax penalty of 5 for those who are unable to secure condition guarnatee - now no longer just an choice but a requirement.

Many U.S. Tax payers are anxious that the latest condition reform will come with a steeper price tag. "I'm anticipating my guarnatee excellent (monthly payments) to increase from 0... To more than 0," fears Terry who works for the federal government and hopes to retire in 2020.

Lesser take-home pay (and savings) combined with the fact that U.S. Medicare coverage in the Philippines is inherent (mostly straight through Medicare advantage plans) is prompting old Filipinos like Terry to reconsider the Philippines as a good place to get cheap but decent healthcare - yet the "best bang" for dollar earnings.*

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