Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
My wife and I are both Filipinos U.S. citizens and permanent residents of the Philippines.
We have our U.S. Military TRICARE overseas medical health care coverage (no premium payments).
Since there's no Medicare here, our TRICARE takes care of it. MEDICARE is mandatory in order to retain our TRICARE benefits. https://www.google.com/#q=TRICARE+overseas&gws_rd=ssl
We also have a supplemental Philippines expensive health care plan aka PhilHealth
(only pays 30 to 40% of the total bill and then our TRICARE pays for the remainder minus our copay and deductible, anything over $3,000 is free of charge for the remainder of the calendar year). Benefits | PhilHealth
There are a few good major hospitals here in the Philippines Northern Central Region of Luzon.
My health provider (Cigna), offers a policy that covers up to 3 months of the year in the USA and coverage for the the rest of the year worldwide. I'm sure there are many more companies offering similar plans.
My health provider (Cigna), offers a policy that covers up to 3 months of the year in the USA and coverage for the the rest of the year worldwide. I'm sure there are many more companies offering similar plans.
What is your annual premium costs and are there any copay and or deductibles? Which hospitals overseas will accept Cigna without any out of the pocket expenses or is it reimbursement type of deal, pay 100% cash up front and then file a claim after the fact?
What is your annual premium costs and are there any copay and or deductibles? Which hospitals overseas will accept Cigna without any out of the pocket expenses or is it reimbursement type of deal, pay 100% cash up front and then file a claim after the fact?
To clarify, I priced Cigna insurance if I lived in Spain and have coverage up to 3 months of the year in the USA....the cost for wife and I in our 50's was a bit less than half the cost of a comparable Obamacare policy. I ended up not doing that and now working in Kuwait with the same insurance company provided by my employer....I haven't had trouble getting payments but to be fair, my wife handles all of that paperwork which is a hassle no matter what insurance you have.
We (American) had an independently purchased international health insurance policy for our 18/19 year old son when we lived overseas.
It covered him globally for 365 days a year including evacuation costs if need be, but in the event of medical need in the US it covered only 30 days per annum. And that was for a young healthy kid. To get such a policy for someone of retirement age would cost a fortune.
The whole world knows health care in America is completely unaffordable.
I will only travel to the UK because I am covered there by the NHS. I carry my NHS number in my wallet. I had to use the NHS for a prescription one time and it was great. (marry a Brit,lol)
But I'm afraid to even travel to Canada. Not when I was younger, but in older age, health is much more of a concern. American health insurance is pretty bad and depending upon the extent of your coverage you may not even be covered in a different state, let alone a different country.
We plan on living overseas for 3-6 months next year. I plan to keep a USA address if/when we reside in Europe and maintain my Humana medicare advantage coverage which provides emergency coverage overseas. If we decided to stay on indefinately, I will visit the US at least once a year and have my annual physical in the USA at that time. Then, if I get really sick, will need to return to the US or pay out of pocket for healthcare.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
