Please click SHARE to tell friends who travel and should know this. And I did a new video about our fight for FULL Medicare globally. Join the fight! kzread.info/dash/bejne/ZJ-arLqsYcLWgaw.html And please subscribe www.youtube.com/@RetiredGlobalLife?sub_confirmation=1 and don't forget to ring the notification bell so you are informed of our new videos. Thanks for coming!

@user-nn8lt8kh6s

8 ай бұрын

Espírito da tania

We have a young friend who rented a scooter in Thailand and was involved in a horrendous car accident. Not only did he spend 3 months in the hospital with a severe head injury, he was given top-notch care, and he never had to pay a thing. I have also found the cost so low in Europe it is astounding. I wish the United States of America would treat our citizens as well.

@KMarik

7 ай бұрын

Healthcare in US is a for profit business, it’s hard to prioritize people’s health with such model.

@RetiredGlobalLife

7 ай бұрын

Thanks for the post! Best wishes.

@finspiration2666

7 ай бұрын

Single Payer systems where the government owns the patient's health success for life, prioritizes prevention and long term improvements. If you keep voting Republican in the US, you won't get that approach as they are funded by the Insurance and Pharma industry. You'll know they are corrupted by campaign funding when you hear them incorrectly stigmatize single payer goverment healthcare as "socialism", while they enjoy that care themselves. Stop dirty money, writing public policy via these Republicans. Watch your Social Security and the Medicare you have left as the top GOP have often claimed they will cut these "entitlements". Yet they have the nerve to lie about that in a state of the Union Speach interupting the President speaking....Heaven help the US.

@telluriansmith8353

7 ай бұрын

I went to Pattaya for vacation. I had a cyst in my lower abdomen for about 5 years. The US VA medical gave me pills when it became inflamed. Apparently the long flights to Thailand caused inflammation. I showed it to a doctor. He said,, that has to come out!!! I said, dont I have to take pills to reduce the inflammation first? He said no. Then he said, go to the Bangkok Hospital in Pattaya. I said,, don't you need to call ahead to make arrangements? He said just get a taxi and go. I went to front desk and explained,, I was directed to a desk down the hall and was told to have a seat. Then a wonderful nurse came and assessed the situation and said,, I will take you to the surgeon. REALLY? So, in to see the surgeon and she said,, THAT HAS TO COME OUT!! Yeah, no kidding,, been in there about 5 years. So about an hour later, the cyst was removed, I'm stitched up, no pain, didn't feel anything, and the cost????? $350.00 USD. Went back a week later,, got stitches out,, cost another $60. After removing the cyst, she pressed on it and expelled some nasty stuff and said,, another year and that would have been cancer. It is my opinion that Thailand does not have a REPEAT BUSINESS mentality. I want to live there.

@commocean

7 ай бұрын

I live in Europe. For most medical procedures the cost is trivial in the public system. Yet everyone I know has private (at for-profit hospitals) insurance because of the long waits. In general, the state of the art in Europe lags the US. For simple procedures it doesn’t matter. But in rapidly changing fields, if you want the best chance of success it’s better to be in the US. We hated the US medical system because it was too expensive and complicated. Our insurance premiums were sky-high because we were forced to subsidize other enrollees and pay for coverage we didn’t want but the government mandated we have; e.g., pregnancy.

This is probably _THE_ most valuable USA-expat health care video I have seen all year!

@RetiredGlobalLife

7 ай бұрын

Hey, you made my day! Thanks and best wishes. I just did another Medicare video yesterday. Check it out.

@Michael-xp9ln

7 ай бұрын

It’s very good information. I have Humana and it works well. Be sure to use the insurance for emergencies only. Plus you never take residency out of the USA. You must also have a delivery address for your medications, only in the USA. At signup a phone number is required. I still have the same phone number to keep the plan.

Two important tips. I was admitted to an asian hospital late at night very ill. After 7 days, I was stabilized, but needed follow up care. I arranged admission to another hospital for surgical procedures, antibiotics, etc. I was there for 8 days and paid with a credit card. When called my bcbs advantage plan to ask about coverage, the very nice lady asked me two questions: 1.For the first admission, did you enter the hospital via the emergency or the front door? 2. Are you living or only vacationing in Asia? My answers: The emergency entrance and vacationing. I do maintain a US residence. I was covered and reimbursed (eventually) for everything, including the second hospital care @ 80%. But only because I answered those two key questions correctly.

@RetiredGlobalLife

8 ай бұрын

Mike that is really helpful. I wish the insurers would be very straight forward and tell us more exact rules. I went in through the front door but I could see being brought in by ambulance is a super clear "emergency." But the second question is key. I wonder how they would reply if the answer was "I live in both places, just at different times, and remain a US resident." Smart answer by you regardless! Thanks so much for the info.

@sqrtof4

8 ай бұрын

Thank you. When I returned home to USA, the pandemic was in full motion, so that affected the coordination of my submission. I will go in person to a local office in Atlanta to speak with a manager soon. Your info gives me renewed hope.

@yestohappiness2721

8 ай бұрын

Mike, can I ask how do you maintain a US residence - we just moved out of US 7mo ago and still struggle with this... we still use the address of the home we sold when we left but it's not ideal (DL expires in 2 yrs and I don't know what we'll do after that)...

@edsmale

7 ай бұрын

@@yestohappiness2721do you have any family or friends in US? That can be a mailing address

@Michael-xp9ln

7 ай бұрын

I also have the advantage plan with Humana and I as my understanding that it’s only good for the emergencies and only if you’re a resident of the United States for me I’ve never asked for, and I don’t plan to ask for a retirement visa in any country this way my home is where my heart is and that’s the United States of America. I maintain a residence address with my brother and I do have personal belongings there and stay there also. I do return every year to the United States for my annual medical. It should be noted that all my medication‘s prescriptions and everything are through Humana and then they just they simply ship everything every 90 days and to my home address in the United States. Another item that’s never been mentioned on the flogs is that Humana provides a quarterly allowance for over-the-counter drugs or medication‘s the list is very extensive and there’s many items that you can pick up and it’s all free and they ship it to your home residence.

My wife and I have Medicare Advantage plan subsidized by my former employer as part of my retirement benefits. This insurance is administered by Aetna. We have used the insurance twice as tourists. 1) 2018 - my wife had a very painful ankle joint. I took her to Prince Court Medical Center in Kuala Lumpur. Bill was about $250. I submitted the bill to Aetna and I received a check for the full amount. 2) In 2019, I had severe pain in my right leg after a flights from USA to Bangkok. I went to Bumrungrad Hospital. Cost was about $400. I submitted the bill to Aetna and they promptly send mr a check for the full amount.

@RetiredGlobalLife

8 ай бұрын

Excellent! Thanks so much for sharing. I love hearing stories that this little known option is known by people. We all just accept, "No Medicare outside the US." Best wishes and thanks again.

@ThePrapa1

7 ай бұрын

We also I have Medicare Advantage plan subsidized by my former employer uncle Sam as part of my retirement benefits. This insurance is administered by Aetna. We travel a lot to South America; I never submitted a claim to Aetna. Couple of time we had to go to emergency in Canada to hospital ER, our plan reimbursed most of the charges. Keep in mind that we're US citizens. It works only for emergency. It worked for us in Canada. I had to go to Dentist for some tooth ache issue (emergency) in Canada about 20 years ago, BlueCross paid for my claim. Finally I say that It works only for emergency nothing else.

@really2345

7 ай бұрын

@hanson: You had leg pain from sitting for a long time on air flights. It is common that you may have had blood clots that had yet to move. Lucky you. I hope you don't just sit on flights, but get up and walk the ailes.

@BhaiLebun

7 ай бұрын

@@really2345 or wear compression socks. A must.

This is the most useful information I had on a you tube channel, thanks

@RetiredGlobalLife

3 ай бұрын

So nice of you, Jose. Thanks.

Great job, great info. My reservation is when it comes to calling any insurance company for information. What agent A tells you if often contradicted by agent B. And the insured is always the loser in the end. I trust insurance company customer service as much as I trust a politician.

@RetiredGlobalLife

8 ай бұрын

You sound like me. Yes, all true. That's why I showed the actual pages of a policy re worldwide coverage. That was out of 200+ pages, yikes, so there could be contra language in there somewhere. All we can do is our best, right?

@roamingrandy1017

8 ай бұрын

Agree.@@RetiredGlobalLife

@garrylafferty100

8 ай бұрын

Medicare part B bluecross advantage said i was covered as a tourist on vacation but not as a permanent resident of Philippines

@bazbar9090

8 ай бұрын

I used the emergency services in the Philippines. Paid the bill and Kaiser Permanente refunded me when back in the USA. Excellent service. No quibble about paying it either.

@barreloffun10

8 ай бұрын

@@garrylafferty100To be enrolled in a Medicare Advantage plan you must be a permanent resident of the area where the plan is offered. That’s usually a few specific counties in one or two states. If you are a permanent resident of the Philippines then you aren’t a permanent resident of any counties in the U.S. where the MA plans are offered.

This video is very useful. I work in Medicare and was not aware of this benefit. Thank you for sharing

@RetiredGlobalLife

7 ай бұрын

My pleasure! Thanks for commenting.

Amazing information. Nobody on KZread has brought this up before. This is HUGE news! Wow, thanks !

@RetiredGlobalLife

3 ай бұрын

Glad it was helpful!

Agree, last year my friend on Medicare Advantage plan on Kaiser plan had a emergency admission while staying in Seoul, Korea for two nights. His hospital expense was fully reimbursed by Kaiser upon returning to California. K. Wooh, M.D.

@RetiredGlobalLife

7 ай бұрын

Thanks Ken! Great to hear it is working for others.

You re genuinely loving and helping people. Subscribed!❤

@RetiredGlobalLife

7 ай бұрын

Wow! Comment straight to my heart! Thanks.

Thank you for acknowledging not all expats are full time like nearly all the other expat videos. This is very helpful for us who live between USA and Thailand (or others). Good job

@RetiredGlobalLife

8 ай бұрын

Nice to hear from you, Timothy, and thank you!

Another great video on an extremely important subject! Thanks for taking the time and effort to research this complex subject and explaining it so well!

@RetiredGlobalLife

8 ай бұрын

You are not kidding! Medicare is sooooo complicated. Thanks for the nice comment! Always a pleasure to hear from you.

Geat informtion. Another very professional and well researched video.

@RetiredGlobalLife

8 ай бұрын

Thanks, Barry for all your compliments! Hope to hear from you again soon.

Very helpful and informative! Liked; shared & Subcribed.

@RetiredGlobalLife

7 ай бұрын

Big thanks, Melody! See you here again soon.

Great video thank you so much, I have the same kaiser plan as you and I didn't know that it would cover me abroad. I'm so happy for your info.

@RetiredGlobalLife

8 ай бұрын

Thanks, Richard. Happy travels!

Valuable information to have Randy.....Good job.....

@RetiredGlobalLife

8 ай бұрын

Ollie, born of camel but with wisdom of man and the courage and strength of Spartacus... thank you!

Great to know. To date, I have never had to use my Kaiser Advantage on vacation out of the US, but I really appreciate this information!

@RetiredGlobalLife

8 ай бұрын

My pleasure, Sharon. I hope it is one more piece of insurance to protect you overseas. Best wishes!

This information is correct, I was overseas, my appendix burst, and was hospitalized for a week+. My husband saw this video, I followed up with my Medicare provider and it worked. I am so grateful to have found this video information, thank you.

@RetiredGlobalLife

21 күн бұрын

Laura, I'm so glad it helped you with such a serious situation. KZread at its best! You made my day.

Thank you. I never heard this info on any other site. I am not a fan of Advantage Plans, however if I plan to get most of my care overseas, it's disadvantages become less important. Well done.

@RetiredGlobalLife

8 ай бұрын

You are 100% correct. Some negatives in the US, although I'm very happy with Kaiser, but as you say - it becomes moot if you are using it overseas with your own selected doctor / hospital. Thanks for the comment and hope to hear from you again.

@Michael-xp9ln

7 ай бұрын

Just a heads up for you these plans require you to have an emergency to use them overseas. I have Humana and it’s only good if it’s an emergency and you’re in the hospital. I think you must be admitted for maybe three days on Humana. I am 70 years old and I’ve had it from nearly when I turned 65. The Humana sales person came by the house for a presentation. Lots of Q &A.

Wow.. I've got to do some research on this. As Americans, we're really getting hosed after paying so much $$ into Medicare. Thanks

Excellent episode! Very helpful and much appreciated.

@RetiredGlobalLife

7 ай бұрын

Thank you James. Appreciated!

This is very helpful. I now live on my sailboat in the Caribbean and plan to sail to Thailand. Going on a visit from I/23 - 2.22 and plan 1 week in Vietnam.

@RetiredGlobalLife

8 ай бұрын

Wow, MItch, rub it in... life on a sailboat in the Caribbean! Good for you.

As I understand it, Advantage plans are curated by each state. Thus, the requirement to have a US residence and the varying selection of plans/prices offered for each state. Also, there is a "loophole" for Plan B as well. If you are enrolled and paying into a foreign nation insurance plan, equivalent to "B" you would be able to enroll later in the US for "B" without penalty. But that qualification is evaluated on a per case basis by the SSA. Some plans offered within the EU may fall into this exception but consult with the SSA first.

@RetiredGlobalLife

8 ай бұрын

Yes, there is the "credible insurance" option and what not... lots of details! Thanks for commenting and take care.

Excellent research on this nuanced medicare benefit.

@RetiredGlobalLife

8 ай бұрын

Thanks so much. And I like that term, nuanced, thanks! Best wishes.

good info. I am a dual citizen of us and eu and know nothing about it. This gave me some insight Thank yoyu

@RetiredGlobalLife

7 ай бұрын

Thanks, Vincent. Hopefully you get a better deal in the EU.

Great video. really appreciate the info. Wife and I are moving to Chiang Mai next May/Jun. we r not at age for Medicare yet but will keep this in mind once we reach that point.

@RetiredGlobalLife

8 ай бұрын

Welcome (in advance) to Chiang Mai! I hope you love it as I do and you get in a comfort zone there fast. I hope our other videos can help you a bit. Best wishes!

Very interesting .. thanks l you for the info.

@RetiredGlobalLife

8 ай бұрын

My pleasure, Anna. I hope it will be helpful to you.

Another Kaiser Senior Advantage Plan member thanks you.

@RetiredGlobalLife

8 ай бұрын

Let's start a club! Haha. Thanks and I hope the video proves helpful. Take care.

I travel frequently out of the country and have had to access medical care while traveling. In addition to Medicare, I typically purchase travel insurance at the time I purchase the ticket. This is a very inexpensive option and provides great additional coverage. The one time I had to access significant medical care, it was necessary to pay upon discharge, as you mentioned. However, reimbursement from Medicare and travel insurance was prompt and easy. Just a thought…

@RetiredGlobalLife

8 ай бұрын

Travel insurance is certainly not a bad idea but many have no idea they have this option for international medical care. For people staying out of the country for 6 months or so, travel insurance is not too feasible financially.

Great info and many thanks to you. On my first trip to Thailand I had an e

@RetiredGlobalLife

8 ай бұрын

Thanks for the compliment! Best wishes.

Good and timely info! We're currently in the change period for Medicare plans and I have a suspicion that this video will save me some money in 2024.

@RetiredGlobalLife

8 ай бұрын

I hope so and glad it gave you some new information to investigate. Take care Mr. Bit Shot! (:

You’ve (and Joy) helped straighten a lot of this out for me. Y’all earned a sub and I’ll get all Your video’s. Thank You!

@RetiredGlobalLife

6 ай бұрын

Big thanks, Jeff, and thanks for joining our fight for international Medicare. Please get the word out by sharing the video all over the place. So far, I've been disappointed about the interest, but all I can do is start the movement.

Thank you for great info for future retirees.

@RetiredGlobalLife

7 ай бұрын

My pleasure!

Thank You for the useful information. I am new to Medicare.

@RetiredGlobalLife

7 ай бұрын

I'm glad it was helpful.

WOW! Thank you for this info. I plan to retire in Thailand and this information is very helpful.

@RetiredGlobalLife

8 ай бұрын

I'm glad it could help and see you in Thailand!

Thank you for your best INFO. This is very important for us, we also have Kaiser Permanente too.

@RetiredGlobalLife

8 ай бұрын

So glad it is helpful! Best wishes.

Thank you very much for sharing your good information .

@RetiredGlobalLife

7 ай бұрын

Thanks so much!. Check out the Medicare video I posted yesterday for global coverage.

Thank you so much for the information. That was eye opening info. thank you

@RetiredGlobalLife

8 ай бұрын

My pleasure. Thanks for the comment.

January 2024, I'll start medicare. I chose The Plan G route vs. Advantage however, given your scenario you fared better with Kaiser Advantage. Domestically I find HMO's (Advantage Plans) wholly inadequate and would just rather pay for travel insurance. This choice is purely subjective with no right or wrong answer. Great topic!

@RetiredGlobalLife

8 ай бұрын

Yes, some people detest HMOs and I fully understand. I'm out of the US so much that it does not affect me much and I've had great luck with Kaiser. But you chose will with Plan G I think, a good Supplement plan. Be well!

@todddunn945

8 ай бұрын

G supplements also give you international coverage on a reimbursement basis for 80% of the cost. I know mine does, but it has a $50,000 lifetime limit. Check you plan G coverage, you may be pleasantly surprised.

@FreeRange9

8 ай бұрын

Kaiser has a very generous Advantage Plan. Very very small out of pockets. I had cataract surgery in both eyes before I came to Phuket. My total out of pocket for BOTH eyes, $200 USD.

@johnurban7333

7 ай бұрын

@@todddunn945I was told by Medicare that they decide what they will cover when you’re overseas

@todddunn945

7 ай бұрын

@@johnurban7333 My understanding is that coverage under a Medicare supplement pan is limited to emergency only. Basically, those plans are not designed for the expat. They assume that you are out of the country for a short stay only. Medicare itself (Part A and B) does provide coverage for foreign medical on a case by case basis. My understanding is that such coverage is generally limited to emergency coverage where a foreign hospital is closer than a US hospital (i.e., mostly in a few isolated places along the border with Canada). Medicare Advantage plans, which are actually private insurance that replaces Medicare, can provide whatever coverage they want since they are a private replacement for real Medicare. Given that Advantage plans often deny coverage for people at US hospitals, I would not assume that you will be covered for any given procedure. You will definitely need a prior authorization with a Medicare Advantage plan with the possible exception of a real emergency (heart attack, etc.). Also every Medicare Advantage plan is different so if you have an advantage plan, check with your specific plan. If an Advantage plan finds out you are an expat and live outside the US they will almost certainly cancel your coverage.

Great information. Thank you for sharing.

@RetiredGlobalLife

7 ай бұрын

Thanks and thanks for writing in. Best wishes.

Wow thanks for this information, looks like I’ll be traveling back to the states every six months!

@RetiredGlobalLife

8 ай бұрын

Hi Kelly, well check your policy and see what it says. They are all different. Take care.

Thank you for sharing this information. I have Kaiser Advantage as well. Continue your good 👍🙌

@RetiredGlobalLife

8 ай бұрын

Big thanks, Gregory!

Really interesting info, thanks.

@RetiredGlobalLife

8 ай бұрын

Thanks so much, Tom. I hope it is helpful to you and I hope you share it with someone who can be assisted by the info as everyone thinks, no coverage outside the US.

Excellent! I am in the same situation as you as partial expats as well.

@RetiredGlobalLife

7 ай бұрын

I am glad it helped. Check out the Medicare video I did last week. Join the fight!

Thank you so much for such valuable information.. Thanks & Blessings!!

@RetiredGlobalLife

7 ай бұрын

Thanks, and hope you visit again.

Thanks very much for let me know about medicare for oversea. May God blessed you and your girl friend as well.

@RetiredGlobalLife

8 ай бұрын

What a nice thing to say to us, thanks! And best wishes to you.

Great info, I lived in Chiang Mai ( Ruamchok Mall area) for 18 months, I just turned 65, returned to the US and signed up for Kaiser Advantage. It’s good to know if I had an emergency once I go abroad next year it looks like emergencies may be reimbursed. Just discovered your channel and subbed 🙏

@RetiredGlobalLife

8 ай бұрын

Thanks! How are you dealing with Kaiser's (likely) requirement of a US residency? Do you keep an address there? And return home every six months? It's too bad their policies are not more detailed on this issue for those of us overseas a lot.

@kbird529

8 ай бұрын

@@RetiredGlobalLife I use my ex-wife’s address for my residence (domicile ), it’s required for many things, SSA, CC’s, IRS etc. This is my first time back in 1.5 years. IDK how they would know if you come back every 6 months or not. Not sure how I will proceed in the future, maybe come back once year to have physical , see family and take care of other business and personal commitments. Ssa

@ul3142

7 ай бұрын

​@@kbird529 the government knows when you are coming and going, so they could check if they wanted to. On the other hand, healthcare abroad is much cheaper for them, so they probably won't bother.

I used my Humana Advantage plan when traveling in Kuala Lumpur, Malaysia, when I was admitted to a hospital through the emergency room for I’ve antibiotics for cellulitis.

@RetiredGlobalLife

8 ай бұрын

HI Lawrence, sorry to hear about the hospitalization but so glad to hear the Humana Advantage plan did just what I'm telling people about - international emergency care. Best wishes.

Something similar happened to me in South America. I was on a 3-week vacation and ended up in the ER at the hospital in Quito, Ecuador. Fortunately, the bill was cheap. I too have Kaiser and all I did was submit the paperwork, bill, and proof of payment and they promptly paid me back. No questions asked. Like you, it was an ER visit, not routine or follow-up care. So always good to know when traveling.

@RetiredGlobalLife

7 ай бұрын

Great to hear. Thanks!

Fantastic presentation! I have Humana. Everything you said, was right-on. There are so many other benefits. Some examples: All my pharmacy items are shipped to my address. They do home delivery or mailbox service. U.S. postal will not hold for a long time period. 75usd for over the counter drugs, every 3 months. The OTC drugs can be ordered from the internet. Humana required a home address and phone number. My residence is in the USA, at my brothers house. By the way I got stuck in the USA during the China Covid-19 lockdown. I caught the virus and ended up in the hospital. Humana covered the whole hospital stay. Another important point, is every policy is different by location of your home residence. Take care!

@RetiredGlobalLife

7 ай бұрын

Great reply, Michael. Thanks. Check out me newest Medicare video for full Medicare benefits abroad. Let's fight for it.

Good topic! I imagine it’s often a great deal for insurers when an emergency happens outside the U.S. as costs for most medical services are typically much lower than costs encountered in the U.S.

@RetiredGlobalLife

8 ай бұрын

One way to look at it. (:

@you_can_travel

7 ай бұрын

Excellent point.

Thanks for great informations , all the best ,

@RetiredGlobalLife

8 ай бұрын

My pleasure and thanks for the nice comment.

THANK YOU VERY MUCH, GREAT VID, GREAT ADVICE !

@RetiredGlobalLife

8 ай бұрын

Thanks so much, Jim. Take care and come again.

that’s very interesting , thanks 🙏 for sharing great information !

@RetiredGlobalLife

8 ай бұрын

My pleasure. Glad it was helpful.

Thank you so much I have Humana and I never knew! I have been planning to do some overseas travel and thought I would have to purchase additional insurance

@RetiredGlobalLife

8 ай бұрын

I hope the information is helpful. I don't think it is as complete as travel insurance but it is better than not having anything, or as an additional source. Best wishes.

I always appreciate your info 👍

@RetiredGlobalLife

8 ай бұрын

And I always appreciate your nice comments! Thanks.

KZread video of the year, thank you!

@RetiredGlobalLife

8 ай бұрын

But I was hoping for an Oscar, haha. Big thanks, Peter. I love making videos that can really make a difference for people. Hope to hear from you again soon.

I would love to look into the Humana plan. I think that might work for me. Thank you for all that you do. Tell Joy, she may have to dance every video. Haha 😄

@RetiredGlobalLife

8 ай бұрын

Thanks, Dave! I hope the information can be of help to you. Joy loves to dance, but I don't know if she is willing to do it that much, haha. I told her everyone would be sick of me talking for 12 straight minutes, so I needed some fun in the middle. Take care.

Thanks for you time putting this informative video together. Nice to have all this info in one place. I was aware of US plans covering emergency treatment overseas for tourists, but wasn't aware of what the limitations were. My concern is staying in CA longer than 186 days, which would make me a California resident. How are you working out this issue with your insurance coverage and your house in CA? Is it a concern to you? I am trying to avoid CA income tax by not making the CA residency limit.

We have Kaiser Medicare Advantage in Washington State and checked before getting it and was assured that our plan covered an “emergency” overseas. Glad to see it is true! When I asked about time out of the country, they said our plan did not specify a time that I could or could not be out of the country. I will now double check that. Thanks for the video.

@RetiredGlobalLife

8 ай бұрын

Yes, they don't give many details on this one issue important to us. I'd guess you will find it is 6 months for KP, but good to check. Best wishes.

@davidharrison3574

7 ай бұрын

@@RetiredGlobalLife I always thought we would never get any Medicare or any benefits if out of USA. But you made me realized I might be wrong. But Thailand's insurance plans are cheap for expats aren't they as I met a lot of american seniors in bars and other areas?

Was in the Philippines for 4 months and had no medical emergencies however was worried about what might happen. Really appreciate this information

@RetiredGlobalLife

8 ай бұрын

Thanks, Paul. Did you find a place in the Philippines that you really liked?

@Marc-ys9og

8 ай бұрын

TO qualify you need to enter thru the ER door

Great help!, thanks for the info

@RetiredGlobalLife

8 ай бұрын

That is very nice of you. Thank you. Hope you come visit us again.

What a revelation. Thank you. I am an ex-expat and use to only return to the US for my medication (3 month supply ). After pandemic, I visit thailand only twice a year for 2 months only on a tourist visit plus extention

@RetiredGlobalLife

8 ай бұрын

Thanks, Clinton, for commenting. I'm glad it will help you.

interested & following. thank you for sharing, i'm in the exact situation and will be making my selection within the next couple of weeks.

@RetiredGlobalLife

7 ай бұрын

Thanks. Please check out my newest video about uniting to demand Medicare globally and why we should have it.

@misterd-lyangeleno3574

7 ай бұрын

@RetiredGlobalLife agreed, especially we continue to pay tax for both federal & states (which i always accept as part of a citizen's responsibility) - beside the states is the only country with the craziest & most outrageous cost for healthcare; every1 else is much more reasonable & even "cheap" in comparison 🙄

Great info. and I just really love Kaiser permanente

@RetiredGlobalLife

8 ай бұрын

Thanks, Antonio! Appreciate it.

Thanks for the great information. We are planning to slow-travel SE Asia next year and have been worried about emergency and/or urgent medical care while out of the USA.

@RetiredGlobalLife

4 ай бұрын

Slow travel! The way to go!

Well done video, beautiful place you have in San Diego 😀

@RetiredGlobalLife

2 ай бұрын

Very nice of you. Thanks for both compliments!

@brianogden1789

2 ай бұрын

@@RetiredGlobalLife many blessings to you and 😊 Joy.

Thank You for information

@RetiredGlobalLife

27 күн бұрын

Hey, my pleasure. I hope it is helpful to you.

Got a new subscriber! Great content!

@RetiredGlobalLife

8 ай бұрын

Thanks, Steve, for both the nice compliment and becoming a subscriber. I love to interact so I hope to hear from you again. Best wishes.

Thank you sir! This is absolutely crucial information!

@RetiredGlobalLife

Ай бұрын

Glad it was helpful!. Please join the effort and share the video all over the place, your Facebook, etc. We have to get the word out.

@DanielFernandez-jv7jx

Ай бұрын

@@RetiredGlobalLife I will. BTW, I just found out that my Medicare supplement plan through Manhattan Life will cover me for emergencies abroad. I'll double check the information to confirm it. This might be because I got a plan F.

@RetiredGlobalLife

Ай бұрын

@@DanielFernandez-jv7jx Yes, did you see my video on Medicare Loopholes? I taoked aobut plans C and G mainly but there are several, although offers a higher cap and some stuff mentioned in the video. Maybe you've already seen it. Congrats on getting the good news. Make sure if you use it to go to a hospital emergency dept not just a dr, to show it is an "emergency" to be covered. Take care.

Thanks for the info. I am about to enroll in Medicare. I am Thai and currently retired and living in Florida. I plan to live part time in Thailand. I will make sure that I have A, B, C and D coverage.

@RetiredGlobalLife

8 ай бұрын

Thanks! Yes, check out the Advantage and Medigap plans if you want any possible international emergency coverage.

Thumbs up 👍 This will come in handy one day

@RetiredGlobalLife

8 ай бұрын

With a name like MangoStickyRice you gotta be in Thailand, 555. Thanks for the thumbs up. Glad it was helpful.

@mangostickyrice555

8 ай бұрын

@@RetiredGlobalLife Hey Randy, Yes I’m in Phuket. I’m pretty much similar to your life. My wife and I live about 8 months in Phuket and about 4 months in California. I’m about 5 years away from being qualified to start on the Medicare program but I to kept hearing about how it does not cover you while your out of the country ☹️

Great topic! I also have Kaiser Advantage.

@RetiredGlobalLife

7 ай бұрын

Thanks, Bud. I hope KP works well for you as well.

Thank you super helpful I have Kaiser too.

@RetiredGlobalLife

3 ай бұрын

Thanks for the nice comment!

I'm in the same situation as you are, going back and forth between the US and Thailand and I have Kaiser! Actually I did ask them about this a few years ago and they did say 6 months, but since it was verbal, I wasn't counting on it. Actually I’m thinking about getting travel medical insurance as an added step, depending on how much it would cost. Thanks for posting this!

@RetiredGlobalLife

8 ай бұрын

Yes, I think the Advantage plan should be extra, not solely relied on unless you are sure of your insurer. You could always ask the rep at KP to tell you the page(s) in their Evidence of Coverage it is addressed so you can find it and read it - or read the 200+ pages, 555.

That's great info. Thanks! I'm a few years from the Medicare scene but here is my recent experience with insurance in Thailand. My wife and I traveled to Thailand, her home country, to get better recovery treatment after a major surgery. We went through Bumrungrad hospital. They were top notch and very helpful. But even though they said they took our insurance we still had to pay up front and claim through our insurer later. It all worked out OK as there was not much of a problem once the paperwork (the worst part!) got straightened out. Still seemed kind of weird that the hospital says, yeah we take insurance but pay us first anyway. lol.

@RetiredGlobalLife

7 ай бұрын

Glad it worked out! Yes, it is often pay and claim overseas.

@jtns2845

3 ай бұрын

bcbs and some fehb policies offer limited direct billing/payment arrangements but most carriers require that the patient pay first and then seek reimbursement for overseas care.

Great information! Thank you!!

@RetiredGlobalLife

7 ай бұрын

Thanks! Check out the new Medicare video I did yesterday for travelers.

Thank you. Great information 👍

@RetiredGlobalLife

8 ай бұрын

Glad it was helpful! And thanks for the compliment! We appreciate it. Best wishes.

I plan to start spending time in the Philippines next year. I will look into my plan N coverage to verify hospital coverage. Thanks.

@RetiredGlobalLife

8 ай бұрын

Great. I hope you get good news. You know what to ask now, re Advantage / Medigap plans.

Thanks for another interesting insurance video. When you are over 75, insurance is difficult to find or extremely expensive. Even Mr Prakan wouldn’t offer anything.

@RetiredGlobalLife

8 ай бұрын

Thanks for the compliment. Several of the policies you can, in theory, sign up for til 80. Why did they say you could not? I may know someone at Pacific Prime who you could talk to if you are serious about needing medical coverage. I assume you are in Thailand? What city? Reply and let me know and I'll ask my contact there if there is anything he can do. I can't promise but I do my best for all my viewers.

@TravellingMan20

8 ай бұрын

@@RetiredGlobalLife Hi, thank you for your reply it’s much appreciated. I’m actually in the Uk but travelling to Thailand soon with a view to planning retirement there.

This is awesome info. I'm going to be in the Philippines and I will investigate whether this applies to the Philippines as well. Oh and I subscribed even though I am currently not looking at Thailand as my expat destination.

@RetiredGlobalLife

6 ай бұрын

Thanks, Joe. Check out my newest Medicare video and join our fight for international Medicare.

@MrJoe1199

6 ай бұрын

@@RetiredGlobalLife you mean this one? kzread.info/dash/bejne/ZJ-arLqsYcLWgaw.html

Great info 👍🏼 and Thanks for informing everyone who is in our “golden years” My wife and I are both retired and live in Massachusetts and travel abroad frequently to visit our children and families who live all over the world in Europe, Asia and Canada. We are both on Medicare (A, B and the Advantage plan from our HMO, Harvard Pilgrim Health Care, It is called HPHC-Enhance) plan offered by my former employer, (Harvard) for Medicare enrollees. This plan also covers and reimburses cost for worldwide emergency and urgent health care upon pay first and then get reimbursed on submission of hospital and health related costs receipts. BCBS of Massachusetts also has a similar plan Called BCBS-Advantage-Plus and last year we had that with 80% reimbursement and a $250 deductible cap. Upon my research and asking the employers benefit office I was told in verbal and in written materials (brochures and pamphlets) from BCBS-Mass and HPHC that the most important “procedural” thing is, as you pointed out… 1) It must be an Emergency AND you must go to an emergency room first. Then any and all hospital and healthcare costs will be covered. 2) keep all your receipts and records the hospital/doctor give you and submit these with your insurance claim. BCBS-Mass even has a list of hospitals in many countries that are on their list of approved hospitals for reimbursement coverage. Given the significantly low healthcare costs in many Asian and European countries it’s not a surprise that the healthcare insurance and many HMO’s companies have these “attractive” incentives to attract retires to their Part-D Advantage plans, though they don’t advertise or even mention it to the general 65 plus public.

@RetiredGlobalLife

7 ай бұрын

Great and thorough comment. Thanks!

Thank for good information.

@RetiredGlobalLife

8 ай бұрын

My pleasure! Thanks.

At 78 years old I never found a health insurance plan that would cover me. Seems like over 75 is the cut off age for health insurance. So I stayed with my Advantage Plan just in case I do have an emergency (my insurer did tell me they would cover me). I was never told that I had to be someone who returned every six months, which is a good thing as I have to plans to return in the near future. Just as an aside I also found out neither my wife nor I could get a bank loan here in the PH due to my age. Also I hope everyone is calling or emailing their Congressional delegation to have the current bill in the House that will repeal having to pay income taxes on your Social Security income.

@RetiredGlobalLife

8 ай бұрын

Great to hear from you Anthony? Yes, check with your carrier if there is a max lengthh to your out of US time. I'm curious, did you tell them you are basically living out of the US permanently and they did not care? Or did you just keep mum about that? I have no idea how insurers would react if told bluntly we now live outside the US but just keep the coverage going despite no longer really a US resident.

@anthonykeller5120

8 ай бұрын

@@RetiredGlobalLife I was in the US at the time and didn’t know I would be a permanent resident in the Philippines so I never brought it up. Also, it seemed to be a source of confusion for the agent and his supervisor on the other end of the line since all they seemingly could do is read the one or two lines in the policy without really knowing anything. So I probably didn’t want to muddy the waters.

@RetiredGlobalLife

8 ай бұрын

Yes, I know the feeling. When I called reps of the companies for this video, none had heard the question before. It's like it's in the policies but they don't know it.@@anthonykeller5120

@RobFomenko

8 ай бұрын

It really sucks that I was in the healthcare field for 39 years and still know nothing about insurance. And yeah every person I talk to in the insurance industry told me slightly different things.

Thank you, very good and unexpected news. I’m leaving for Thailand Dec 1st and just paid a company $261 for coverage. I won’t next time Thanks again.

@RetiredGlobalLife

8 ай бұрын

Glad it might help you. Travel insurance does cover a lot more things though, so still a good idea.

Just subscribed to your channel today. Although more than 12 years away from retirement, I am doing research on medical insurance coverage when I travel outside the US for prolonged period of time. Your video is very helpful, and I will definitely give Kaiser a call when I retire to make sure they still provide worldwide emergency coverage if my outside stay is < 6 months. I agree that it is not fair that medicare does not directly cover people oversea, as we have paid our tax entire life for this benefit, whether you live abroad or not. Perhaps one day a conscientious politician will advocate for American who want to retire outside the US for medicare coverage, which I doubt will happen.

@RetiredGlobalLife

Ай бұрын

I did a video just about starting a movement to get coverage outside the US and why it made sense. Check it out and join the movement! Glad to have you as a new viewer and hope to hear from you again. BTW, many companies offer this option, not just Kaiser, and even they may depend upon your USA region. So many variances on the issue.

Thank you! Great news that Kaiser is coverage when out of country for up to 6 months. They are also my insurer. You mentioned Humana and United Healthcare don’t list a time limit. Were these two also Advantage Plan versions of their policies? Thank you again for this information!

@RetiredGlobalLife

8 ай бұрын

Yes, it was their Advantage plans. But I don't know if it is good or bad to not list a limit. This was according to their reps. I can't pretend to read the 200+ pages of each policy's Evidence of Coverage, so that is from their company reps. Thanks for the nice words. Check with your carrier to be sure it will work for you.

Good info, new subscriber. I turn 65 later this year and divide my time between Bangkok and SoCal. I've been a KP member for years and was reimbursed for a small issue that I went to urgent care for at a private hospital here in BKK last year. Very easy, no issues. But also later this year I plan on going mostly full time in Thailand. I plan on keeping a CA mailing address and DL etc., just no official residence, at least initially. I will still be returning to the US for a month or two at a time, but if things go as planned, I will definitely be out of the US at least 9 or 10 months out of a year. I am 99% sure I will go with Kaiser advantage at least for the first year because there are so many moving parts at this stage for me that I don't think there is any one perfect answer to this issue. As an aside, both my parents were Kaiser advantage and we were mostly happy with the care (including hospice) they received (and are still receiving in mom's case).

@RetiredGlobalLife

4 ай бұрын

Your life sounds like mine with the SoCal and KP connections. I do the same. I hope Kaiser never gets to strict on how long we can be out of the country. I guess the would not even look into it unless the foreign bill was huge.

@jtns2845

3 ай бұрын

respectfully, if you own no california home but retain a california d.l., voter registration, mail address, social security/medicare address, banking, will, personal items storage unit, etc., then you have constructed your “official residence” as california. separate the idea of home ownership from “official residence,” a term which really doesn’t exist in usa. you might consider changing all the above to a tax-free state and visit california as you please. think as does a long-term rv-er, yacht-er or a retiree who moves to another state to be closer to grandkids, etc. all these folks can still visit california as they please. remember the usa isn’t thailand, japan or korea with a national household registry that establishes one’s “official residence.” the federal government doesn’t care which particular address you use, but you must have one according to your own various choices in life. it is the individual states that care about your “official residence” but essentially for state tax purposes. california might still care, but only for the danger of attaching real property in california to extract state taxes. if you own nothing in california what is there is to attach? your new state without state income tax has no real interest in your choice. the one glitch may be how kaiser permanente and /or your former employer handles benefits for a covered retiree who relocates to say another state. the medicare advantage plan specifically from k.p. is tied to your california zip code and is still an hmo, isnt it, so overseas care is considered out of area… what does the plan policy actually state? some k.p. medicare advantage plans are offered in some other u.s. jurisdictions besides california. i am familiar with folks who set up their new “official residence” in south dakota, texas and florida, that includes physical and mail addresses. for a california expat nevada may be a convenient choice. it will take some research and legwork, but it can be done and lawfully so.

Thanks for sharing! Heard about this too! But only under Kaiser! Theres a Hospital in the Philippines whose sign says that they accept KAISER at St Lukes hospitals which is one of our Top Hospitals in the Philippines! Thank you very much appreciative!

@RetiredGlobalLife

7 ай бұрын

Hmm, interesting. If you ever get the "accept Kaiser" details I'd love to hear them.

Tony from Chyaiphum... Thanx for the link... found it.

@RetiredGlobalLife

Ай бұрын

Great!

I have blue cross/blue shield advantage. I’m 70 and plan on retiring to Thailand in 3 years. Until then, I plan on spending 2-3 months at a time at my house in Chiangmai. I leave for Chiangmai this coming Wednesday for a month. I go without any travel health insurance but this would be a great way to cover any unexpected health emergencies while in Chiangmai. I’ll call BCBS before I leave.

@RetiredGlobalLife

8 ай бұрын

I'm glad the information may be helpful for you. That's the intent, let everyone know they may have this benefit then explore it with their insurers. Best wishes.

I have a Humana Medicare Advantage plan (CMS H1036 151) here in Mississippi, USA. I have confirmed through their Summary of Benefits that they DO provide Worldwide Emergency Coverage. "Humana's Medicare plan will cover emergency inpatient, ambulance and doctor services necessary to prevent death or serious impairment of health." Thank you so much! All the best.

@RetiredGlobalLife

3 ай бұрын

Great! Make sure you go to an actual emergency room, not a dr for the "emergency" or they will not categorize it as such. And find out how long you can be away from your US address.

@alfredmilton2029

3 ай бұрын

@@RetiredGlobalLife I will thanks again.

This just popped up today December 10. And the deadline was December 7th. I've been wanting to change insurance, but had no idea this was possible. Thanks. Next year I guess.

@RetiredGlobalLife

7 ай бұрын

Sorry you just saw it! Best wishes.

Great topic! I need to research this more as my retirement goal is just a few years away. For me the biggest decision (one which will effect my health plan options), is if I choose to keep a base in the US or not. Currently I have United Health Care (HMO) through my employer which I can retain when I retire. Important note for those not aware: when you reach 65 and enroll into Medicare, you have to switch from an HMO to a PPO type plan which is a Medicare supplement. To my knowledge, there are no HMO style Medicare supplement plans in the US. Please correct me if I am misinformed on this.

@RetiredGlobalLife

8 ай бұрын

I'm no expert on all aspects of Medicare but in my experience you are correct. A Supplement plan is just covering extra expenses to your original Medicare, so you can to to any doctor accepting it, no restrictions like an HMO, PPO. Oddly some PPOs have Supplement plans but you can to any doctor... so confusing. Happy upcoming retirement!

@jonpotthoff2868

8 ай бұрын

I don’t believe there is any such requirement to have to switch from HMO to PPO. I’m 76 years old and am also in a United Healthcare HMO plan. It has worked well. I am aware of the overseas protection also and am happy to hear that some people have used the benefit successfully.

I travel frequently to Idonesia (3-5 months at a time). 2 years ago checked with my Medicare Advantage provider - Aetna and they gave me advice that emergency care is covered but you must pay up front. This year I had a problem, kept my hospital and doctor bills and they did provide coverage. Again, this is a Medicare Advantage Plan and not just plain vanilla Medicare.

@RetiredGlobalLife

8 ай бұрын

Yes, you know the trick! A way to get around Medicare's "no coverage outside USA" talk.

Thanks for this information. I am currently traveling in Colombia and hope to retire to Spain or Portugal after next year.

@RetiredGlobalLife

8 ай бұрын

Both are beautiful places. Congrats.

I had Humana advantage from ohio and the foreign medical coverage for emergencies was a "might" cover in the contract. Dropped the plan and went with supplemental. Humana supplemental will cover 80% of emergency care for first 90 days in a foreign country.

@RetiredGlobalLife

7 ай бұрын

Good move, Edward! I hope you never need it but wise to have it.

This is news to me, as I worked for a Medicare Advantage plan as a Nurse Care Manager (I'm underaged for retirement). Maraming Salamat po. Subscribed.

@RetiredGlobalLife

8 ай бұрын

Thanks for commenting. Well, check it out and get back to me. (:

On my first trip to Thailand I had a heart attack and received excellent care in Sakon Nakhon. I had consulted with my insurance carrier, Blue Cross before leaving the USA and was informed that if I had an emergency while away from the USA I should be sure to go to an emergency room to be covered. Like you, I had to pay for services out of pocket and this wad required before I could check out. My family and the hospital staff had tried everything to contact Blue Cross as I had bean informed prior to travel, but it was impossible to get their help. I submitted all documentation and billing three times after returning home only to be ignored by Blue Cross, and still have not been compensated nearly 4 years later. I will retire shortly and plan to move to Thailand but keep Medicare. I will get Plan C as you explained so well.

@RetiredGlobalLife

8 ай бұрын

Sorry about your experience. What type of plan did you have that they ignored your claim? And remember the Advantage plans may not stretch for those fully out of the country. Check your policy and with your insurer. It's a mystery what connection they require with your US state when you stay mainly out of the US.

@Antandthegrasshopper

7 ай бұрын

What is plan C? He mentioned Medicare Advantage thru Kaiser!

@jtns2845

3 ай бұрын

@@RetiredGlobalLife health insurance is state-licensed & -regulated. routine u.s. health insurance policies are obviously domestically focused and might only cover urgent care rendered overseas for trips of a certain length, maximum is generally six months. there is an administrative appeal process, usually described in the policy documents or by the state insurance commission. medicare-related plans, tricare, fehb and champva are also federally-regulated.