Is Us Medicare Coverage in the Philippines Possible?

Aetna Health Insurance - 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 slight to all 50 states. Has Medicare gone movable at last? This description explores the truth behind the talks.

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A Look Back

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

Medicare is America's federal health insurance program. It was first created in 1965 to benefit citizens aged 65 and older. In 1972, the agenda 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 public term that may include a whole of plans:

original Medicare that provides hospital insurance and medical insurance Medicare benefit that provides both basic and extra healthcare services, as offered by underground health maintenance organizations (Hmos) and prescribe drug plans that may or may not be tied to a Medicare benefit plan

Additionally, there are Medigap plans to supplement what customary Medicare does not cover. They are offered by underground insurance companies.

The current policies are lettered C to J. However, in a fact sheet released by the department of health 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 customary 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 crisis cases, those traveling "without unreasonable delay" 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 department of Foreign Affairs of the Philippines confirmed that under the customary Medicare plan:

"... Residents of Guam and Saipan... Are allowed to seek medical treatment... On crisis 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, previous department 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 either hospitals in the Philippines have already reimbursed Medicare benefits under the customary 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 supply the following list of honored international health insurance plans, some of which have tie-ups with Medicare benefit plans:

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

(Allianz) Worldwide Care - Asian Hospital Aetna - Asian Hospital Aetna Global benefit - 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 health insurance of Denmark - Makati medical Center International Sos - Makati medical Center Net Care - Asian Hospital, Makati medical Center Pacific International - Asian Hospital credit 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 insurance benefits varies by health maintenance organization (Hmo), insurance plan and servicing hospital. The insured must demand about their Medicare benefit benefits by Hmo or plan name. Specific concerns may be sent to the respective customer care and credit/billing departments of the hospital.

List B. Sense facts of prime Philippine-Based Hospitals that Honor International health Insurances with possible Medicare benefit 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 up-to-date turn of events are changing the way possible 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 economy off-shore facilities are used to deliver the same-quality healthcare services offered in the U.S., experts explain.

Another development is the health reform bill on outpatient safety 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 yearly tax penalty of 5 for those who are unable to collect 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 prime (monthly payments) to growth 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 benefit 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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