Is Us Medicare Coverage in the Philippines Possible?

Blue Cross Blue Shield Maternity Coverage - 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 itsybitsy to all 50 states. Has Medicare gone transported at last? This record explores the truth behind the talks.

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Blue Cross Blue Shield Maternity Coverage

A Look Back

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

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

Understanding the Structure

Medicare is a social term that may contain a amount of plans:

original Medicare that provides hospital insurance and curative insurance Medicare advantage that provides both basic and extra healthcare services, as offered by incommunicable health 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 primary Medicare does not cover. They are offered by incommunicable insurance companies.

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

Off-Shore Medicare Coverage in Theory

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

In March 2010, the agency of Foreign Affairs of the Philippines confirmed that under the primary Medicare plan:

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

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

Off-Shore Medicare Coverage in Practice

My Philippine resignation made a round of phone calls to check whether hospitals in the Philippines have already reimbursed Medicare benefits under the primary 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 health insurance plans, some of which have tie-ups with Medicare advantage plans:

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

(Allianz) Worldwide Care - Asian Hospital Aetna - Asian Hospital Aetna Global advantage - Makati curative 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 curative Center Hth World Wide - Makati curative Center Ima - Makati curative Center Img - Asian Hospital International health insurance of Denmark - Makati curative Center International Sos - Makati curative Center Net Care - Asian Hospital, Makati curative Center Pacific International - Asian Hospital prestige International - Makati curative Center StayWell - St. Luke's Hospital TakeCare - Asian Hospital TieCare - Asian Hospital, Makati curative Center Vanbreda International - Asian Hospital, Makati curative Center William Russel - Asian Hospital

Availment of insurance benefits varies by health maintenance society (Hmo), insurance plan and servicing hospital. The insured must query about their Medicare advantage benefits by Hmo or plan name. Exact concerns may be sent to the respective customer care and credit/billing departments of the hospital.

List B. Palpate facts of excellent Philippine-Based Hospitals that Honor International health Insurances with possible Medicare advantage Tie-Ups

Asian Hospital and curative Center: info@asianhospital.com * +63 (2) 771-9000/ +63 (2) 876-5838 Makati curative 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 resignation Decisions

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

One such improvement 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 improvement is the health reform bill on sick person security and affordable care that U.S. President Barack Obama signed in March 2010. The current reform permits off-shore coverage and insurance of people with pre-existing health conditions. There will also be a minimum each year tax penalty of 5 for those who are unable to accumulate health insurance - now no longer just an choice but a requirement.

Many U.S. Tax payers are anxious that the most recent health reform will come with a steeper price tag. "I'm anticipating my insurance 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 possible (mostly through Medicare advantage plans) is prompting previous 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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