Hi Danny im a few years away from retirement and I'm thinking of retiring in the Philippines 6 months out of the year. This information is just what I need. Thanks again for a great topic, you just saved me a lot of time.
Sana po gumawa din kayo ng tagalog version ng vlog na to . Naguguluhan po ako . I'm retired Filipino US citizen and considering retiring to the Philippines . Medical insurance is a big concern for me .
Sir, You've helped us understand things that we will not be able to even we google for years! You are indeed a very sharp fellow. Kudos to ur hard work. Love all your videos. Thank you so very much!
Medicare pays partially some services inside the US. If you want to get health insurance abroad, get Plan N supplement and get reimburse with your expenses upon arrival in the US. ( it is only emergency that pays Plan N). Medicare also deduct a monthly premium ($164.90-2023) Medicare Part B. Part A has no charge. Medicare Supplement Plan N today cost $143-$150/month and it increases based on your age. In addition you get Rx coverage which is Part D Medicare.
Greetings from Dublin Ireland brother and sisters Danny your channel is mine of good information I will be retiring to CDO any DAY NOW... Keep up the good work...
Thank you SO....MUCH, Sir, for this very detailed and informative video. This will be a great help for me in the near future. I'm taking down notes while you're explaining. Most likely, i'll be viewing this video over and over again. God Bless your good and rich Heart.
Almost all advantage plans have worldwide emergency coverage, but you cannot be out of the country for more than 120 days at a time. Humana being one of the harder companies to deal with but overseas they will all be difficult to deal with. Also, know that depending on the country you maybe required to pay first the entire bill and then submit it to your insurance company for a reimbursement for their share from the insurance company
Great video! It was very informative and very educational. Thank you for taking the time to educate us on Health Insurance Plans here in the US & also when travelling abroad. Blessings!
Thank you for explaining the mess. I went to a seminar offered by United Health several years ago for my dad. But they never offered or explained the advantage option. Now I know more.
It's still very confusing for me about medicare plans. I take care of my 86 yr old mom she has Medicare plan and Medi-cal don't know the difference when they ask me. I just give them her cards if she has appointments and she doesn't pay anything same with medications. Great info I'll look into this video again for reference. Thanks
This is an excellent and very informative video - perhaps you will consider doing a Part-2 video to cover more in-depth on what is Medicare Parts A, B, C, D, E, F, G, K and perhaps even doing a Part-3 video on the pros and cons from different providers such as Kaiser Permanents versus other competitors? Thank you again for the great video as i am sure many people are confused as i am about the Medicare program.
@Mike Fa That is why it took me 2 years to dig through this because sales agents are not very familiar with Advantage plans. They are pushing supplemental plans.
Thank you Vlogger Grandpa for your channel, I am learning a lot from you. I work for Anthem as a medical underwriter for employer groups, we do not cover anyone who lives or works overseas for more than 6 months. That is why those who plan to retire in the Philippines must make sure that their Medicare Advantage plan will still cover them should the carrier find that they are really not living in the States. Of course, they can use their relative's or friend's address as their mailing address, so the insurance carrier may never find out that they are actually living permanently outside the US. I am contemplating retiring in the Philippines 3.5 years later if the country meets all my criteria. I will not take a chance and prefer to purchase a medical plan that will cover me in the Philippines because when I get older I will not be able to to travel 24+ hours to seek medical help back in the US. I will check out the different plans offered by Pacific Cross in the Philippines. There is a CZcams video with information from Pacific Cross. The person representing this carrier mentioned that some of their plans also have worldwide coverage and those insured under these plans can also seek medical care at the medical facilities in Makati, even if they live in other provinces. I currently also have cancer, hospital indemnity and accident insurance coverage but will double check if Mutual of Omaha and AFLAC will still continue to cover me should I move out of the country. Without a good and affordable medical plan from the country I wish to retire to, I will not want to retire out of the US. I will also project the premium cost when I am in my 80s and 90s because the cost of insurance will increase as I get older. I will find out if the insurance premium will go up yearly or every 5 years and by how much.
You still need to maintain a US residence. If you plan to permanently stay in the Philippines by permanently abandoning US residence, you can't use the Advantage Plan.
Thank you for making this video and putting so much info into it ,I'm a american who is married to a Filipina and living in the Philippines now almost four years we have a home here but are looking to go back to the USA and maybe get a home there and maybe spend Three to four months every year in the Philippines in 66 yr old and now I have a better idea what kind of medical insurance to get thanks to you
Not all Medicare Advantage plans are created equal. Best one's are group plans, is PPO, good in and out of network with World-wide coverage as well as in the USA, usually more costly and with higher deductibles, longer out of country acceptance . You also need cash upfront($1000-$20,000+?) and file for reimbursement later like they do in the Philippines.
For Advantage plans.....check your mailing zip code.....get a PPO plan....when traveling seek care at a University Med Center ( they take all insurance). If you have Advantage.....Never tell providers "oh I have medicare"...always say I have ADVANTAGE.
Hi...Thanks for the video, it was very valuable and educational for me and allows me enough knowledge to know what to look for and the questions to ask when I'm considering Medicare Supplemental or Advantage plans.
Rt there with you, rt down to the age. Seriously confused. I have to move to the Phillipines. I can't afford to live in America on 1200/mo SSI. I'm so confused about what to do about insurance I'm ready to scream
wow! I only pay the $145 part B. My supplemental is 0 my dental is 0 my vision is 0. I have Humana Gold with world wide coverage my cost is $120 co pay.
Advantage plans or Medicare Advantage plans replaces your straight Medicare part B plan. The advantage plans give you the Out of pocket limit that is not offered in your traditional straight Medicare part B plan. If using only the straight Medicare part B plan, you will have to perpetually pay the 20% co-insurance for services unless you have a supplemental insurance that will shoulder the 20% co-insurance after Medicare.
Thanks Danny. That's a lot of information. I don't know how this figures into someone's health insurance scheme but there are credit cards available that offer travel insurances. This might save some year to year cost if they can turn on the insurance simply by buying an international plane ticket. The below statement is from a well known card issuer. "Emergency medical and dental benefit With this benefit, you can be reimbursed for up to a specified amount of medical expenses if you or your immediate family members become sick or injured while traveling. Coverage includes ambulance services, drugs, medicine and therapeutic services."
Great info graphic presentation. I will be retiring permanently in the Philippines myself. So choice on Medicare is easy, especially based on your chart. But I have a good health plan from my retirement but will still pursue a "local" use policy via Pacific Cross.
@@vloggergrandpa2707 Lana Borisenko / Senior Consultant - Pacific Prime T +86 010 6468 0591 (ext. 118) M +86 181 2129 8636 E lana.borisenko@pacificprime.com S lana.borisenko@pacificprime.com (Skype) This is the contact info of the agent. If ok to post here. I had some medical issues that are resolved thankfully. But I disclosed my full history to her and received very good rates for a very respectable and well covering plan.
@@vloggergrandpa2707 I was quoted for the maximum plan of 3 Million USD coverage in a year with my health issues. A deductible of 2,500 per year it was $200 per month. Accidental plan of 500K a year is 750 per person annually.
Thank you. That's almost as expensive as the Supplemental Plan in the US, and US does not have the $2,500 deductible per year. Almost every dollar is immediately covered.
Sir , I made some Research about it , Medicare is only accepted in the USA. ,but just like other Health Insurances , we have to pay 1st for the Trearment. Abroad , then with the Bill Receipt should be presented to the Insurances Main Office , and they paid you back the money you spent ., that is an INTL . Regulation ..
Cool Good videos young man however Even if you are in the 🇵🇭 forever never cancel your medicare because you may need to fly back with major medical concerns!
Retired and moving to PI by end of year. This segment answered most of my questions on insurance. I am 69 have Medicare A and B and am in an Advantage Plan with UnitedHealthcare. I don’t go to the doctor often. Only for reg flu shot , physical etc. only take med for Cholesterol. I do intend to sign up up for PhilHealth when I get there. I understand that with this insurance I get admitted to Hospital right away. Can you send me some info or direct me to a Video that you or someone has done on the subject of PhilHealth. Thank You. PS you explain your subject very well easy to comprehend.
@Edward Opana Does your UnitedHealthcare Advantage Plan include Worldwide Coverage on emergency medical services also? I plan to get that when I get to Washington State because there they do have Worldwide Coverage.
@Edward Opana Thank you. TAKE NOTE OF THIS TO THE VIEWERS OUT THERE WHO ARE NON-BELIEVERS THAT ADVANTAGE PLAN MAY COVER YOU (YOU HAVE TO CHECK) WORLDWIDE. Thanks again, Ed. 🙂🙂🙂
Horizon Blue Cross/ Blue Shield advantage plan covers a worldwide coverage for travel insurance including COVID.They should Honor this as a travel insurance.
I have AARP unitedhealthcare AARP Medicare Complete Choice (PPO) I called them to see if I have coverage when traveling out of the United States I told the customer service person I was in the Philippines she took my I'd number and Group number and told me yes I was covered that if I had to be admitted to a hospital they should have the hospital call the number on my card .I ask her again to make sure what she said was true and she said yes I would be covered in the Philippines in the hospital and if I had to see a doctor just keep a receip of the bill up to $120
Fyi recently about 10 weeks ago, a family got hospitalized here in Manila, she has medicare plan c with worldwide coverage n the big mistake i did was paid the hosp partial payment as i was prompted to do so. Now i have to file a claim for reimbursement myself in the US. The total bill is 6m i made partial payment of 2m, the hosp in Manila will not refund it bec it is not there policy to do so. We reported the hospitalization a bit late bec we didnt know that my family is covered. When we called (after 5 weeks) in the US,thats when we found out my family has coverage worldwide. From the time the US provider was notified, the hosp here in Manila did not ask for payment from us anymore. The medicare provider covered the 6m total bill, we didnt pay the remaining balance of 4m as the hosp will be paid by the medicare provider directly. If i know then what i know now, it has saved me the worry n trouble of borrowing money to pay cash to the hosp here. Hope this info will help.
@Maria Guinto I'm surprised about that misfortune. However, the Philippine Hospital must reimburse you that amount since they were overpaid. They have no right to keep the money that was paid "in error." Their bill is for 6M and they got paid 8M. Go to the higher authority at the hospital or report it to the government authority who regulates hospitals. ANOTHER POSSIBLE ALTERNATIVE: Medicare Advantage plans usually require you to pay the provider in advance, then file a claim with them. They really should have reimbursed you instead of sending the money to the hospital. Thus, you may also be able to claim that they reimburse you for the 2M you already paid and have them run after the hospital for the 2M you already paid. Those are my two suggestions. Let me know how you make out.
Vlogger Grandpa, USA No no the hosp total bill is 6m,by mistake i paid 2m in advance coz the hosp ask me to. That was the mistake, i shouldnt have paid in advance bec now i have to make the claim for the reimbursement myself. We are made to believe that we have to pay cash first then reimburse in the US later. I am just pointing out that no its not my case bec the hosp here in Manila can directly bill the medicare ins provider in the US. I didnt have to go through the trouble of paying cash here first should i have known my family was covered and that all we need to do is call the ins provider ryt away as soon as she got admitted. Also if you pay in advance here there policy is no refund but you can file a claim for reimbursement yourself in the US.
I will appreciate your sharing the name of the Hospital in Manila and the name of your Medicare Part C Insurance Company so I can remember that. Is it St. Lukes or Medical City? My understanding is that: (1) hospitals in Manila will not accept medicare reimbursement and that you have to pay them directly BEFORE you file your claim in the U.S.; and (2) Medicare Plan C Insurance Company will not pay the service provider but will reimburse you AFTER you pay the hospital yourself.
Vlogger Grandpa, USA St Lukes Global in BGC. Kaiser Permanente is the ins provider. The process was to call the ins provider then they have an international third party office that will call the hosp in manila to give a guaranty of payment.That easy. Upon discharge St Lukes called the ins provider to confirm if they will cover the total bill, it took a couple of hours for us to wait then after the ins provider confirmed that they will cover the total bill then we are done.
I just spent an hour talking to Kaiser Permanente. They said that you must generally call them within 24 hours of hospitalization, and they could arrange for direct payment to the Hospital in those situations where the patient does not have the money. They will attempt to reach the hospital and deal with them directly, and all you have to pay is the deductible amount. For small amounts, they will generally require you to pay first, then seek reimbursement. I can only think that maybe you neglected to tell Kaiser that you already paid 2m of the 6m. Could this be the problem?
I did not check other health coverage in the Philippines. However, I decided to get the Advantage Program in the U.S. because I will need coverage in both countries, and my policy covers both.
Be careful about terminating Medicare Part B if you leave the country. It is not that simple. Once you terminate it, you may not be able to get it back when you return to the country. I would investigate that further.
From what I understand you may have to wait till enrollment period to re-enroll. But not 100% sure on that. If you have VA back up that could cover the gap in emergncy
Social security recipients are paid regardless of where they live. Would be nice if Medicare would just pay overseas recipients a fixed amount on a regular basis just like Social security. If the cost medical services is below the fixed amount, then recipients can keep the diff. Otherwise the recipients will be responsible for the diff. No need to process claims which greatly reduces fraud and paperworks. US usually has higher medical cost than most countries. This will allow Americans to retire wherever they want to.🙂
There's fraud in Medicare in the USA as well. I doubt that there would be serious fraud if the benefits from US expats and medical tourism was high enough. No hospital would want to kill the golden goose. Medicare could start with select hospitals/clinics with audited billing. Those wanting to go abroad for knee or hip surgery (at 1/10th the cost of US) could just state where, get a US diagnosis (obviously not faking it) and a covered post-op return exam. He first and last could be fully covered and the treatment abroad at 90% of cost. The Medicare Trust fund would save billions annually and perhaps even expand the program over time. US hospitals would have to become more price competitive or focus on essential care. Expats would not have to risk long distance travel when ill or injured which increases risk.
Invest in yourself! get everything plus get travel insurance in the country destination! Money come and go be sure you stock saving for emergency! you can buy any wasted material things but don't ignore your health especially what you eat! Take care! Good Health!
It's not true, us agents get more money from advantage plans over time than a medicare supplement plan. You need to check with your advantage plan on how long you can be out of the United states. All the plans I deal with is 120 days, after that without prior approval you can be disenrolled and all claims denied whether an emergency or not.
Sir, thank you much for this information. I have a question- How to apply for Medicare? Your input on the step by step process is highly appreciated. God bless.
Once you reach the age when you qualify, you will receive a mail from Medicare because Part A (for hospitalization) is mandatory to have and FREE. If you have other questions, call the Social Security Office so they can refer you to the right Medicare office.
Only insurance world wide is travel insurance and must be in the nation on insurance, where you be. If just insurance from home, it void past its nations borders. Need ask insurance companies before travel.
Wow!H.R. 5299 was introduced by Congressman Adriano Espailat to allow a trial program in at least 9 foreign states including the Philippines (and Canada, Mexico, Germany, Korea, Panama, Israel, Dominican Republic, India and one African nation). The selection is odd -I would think that nations with higher quality and more affordable medical tourism progams like Malaysia and Thailand would be the types to target as this would cut the costs to the Medicare Fund. Canada already has a number of exemptions that allows coverage when you are not close to the US.
Good video Danny,the only real disadvantage to The advantage plane is once you are Eligible and decide to sign up when your 65, you have forfeited your eligibility to join a supplemental plan at a later date say for example you come down with cancer that the advantage plan doesn’t have the treatment that you would prefer and you could get with a medigap plane for example,the medigap can and will turn you down because of pre-existing conditions but if you would’ve taken the Medigap out when you were eligible at 65 they would have to take you.
That's correct. You can actually change back to Supplemental as long as you are in good condition. However, once you are diagnose with something serious, like cancer, you will NOT be able to get back. That's because you will be subjected to underwriting. That's the reason I suggested sticking with the Supplemental Plan if you know that you have something serious medical condition.
Any medical condition that could cost you a lot of money. High blood pressure and diabetes are something that almost everybody, at certain age, suffers from. I said, "almost everybody." I had it for the past 20 years. However, if you had prior and frequent heart attacks, cancer, lung issues, or you are now on dialysis, etc., those are "known," and "likely" major condition that would cost a lot of money right now. Then stay in the U.S. and be more secured. However, I will not worry that tomorrow I may have a heart attack, get cancer, or be on dialysis, etc. If I live on "what-ifs", I might as well not live at all. Heck, what is the sense living when one is always in fear? So, my philosophy is to have a decent assurance that I will enjoy myself and be prepared for unforeseen or unexpected incidents. If in spite of that I die, well so be it. That is God’s given destiny. 😀😀😀
Actually that is not correct, you have 1 year to try an advantage plan, if you do not like it for any reason you can be guarantee issue in a medicare supplement. This is a 1st time in a medicare advantage plan only. Other than. That you will have to answer health questions. There may be a couple companies that offer a guaranteed issue med sup but expect to pay about 3xs more a month than their underwritten plans.
Thank you for the very informative video - Medicare Advantage world coverage seems ideal for emergencies, but could be very costly in terms of having a large cash reserve and also costly to fly back to the US to get reimbursement. Watched the video twice and i have a couple of questions for now: 1) is it possible to switch plans from the Medicare Supplemental to the Advantage Plans in mid year or do we have to wait until the new enrollment period each year? 2) If i am planning to spend 6-9 months in the Philippines each year, what would be the cheapest Medicare options and also what medical insurance are available for foreigners in the Philippines?
(1) I can't remember this but I believe you have to wait for the enrollment period to make a change unless you change residence. (2) Advantage will be better if you spend a lot of time in the Philippines or any country for that matter. The reason is that Supplemental only gives you limited coverage while out of the U.S. Say, 2 to 3 months. Thereafter, no coverage for you while you are paying a lot of money on high premium. Most, but not all, Advantage Plan will provide coverage but only for emergency and urgent care situation which for most people is what they need. I believe that both Supplemental and Advantage will require you to pay for services first then file a claim in the U.S. There are available insurance plans in the Philippines but I heard that they are more expensive FOR THE COVERAGE THEY PROVIDE. I'm not sure if Philippine policies will require upfront funding or if hospitals will accept the policy without you having to pay first. Just not too familiar with Philippine policies.
If u enroll for the first time with supplemental & decides to change it to Advantage, yes u can but...if u switch back to Supplemental again for the next enrollment, they ( Supplemental ) will need you to go for underwriting, and this is the disadvantage especially if you pre-existing medical conditions. Me, I'm turning 65 this year, I will probably go for the Supplemental than Advantage just to have a peace of mind bec I don't know what's gonna happen to my health conditions overtime. Paying co-insurance & deductible are kind of stressful only. So, not much worries if I will enroll on Supplemental.
Thank you Sir for your outstanding insights and advises! This is one of the most intellectual sites on CZcams.
This is hands down the best video explaining the healthcare situation for senior Medicare US citizen going to Philippines to retire.
My medicare i can use in philipines
Im retired
But i pay from my retirement
@@teresitaspors9560 not if you live phiippines year round only for emergency
Hi Danny im a few years away from retirement and I'm thinking of retiring in the Philippines 6 months out of the year. This information is just what I need. Thanks again for a great topic, you just saved me a lot of time.
Sana po gumawa din kayo ng tagalog version ng vlog na to . Naguguluhan po ako . I'm retired Filipino US citizen and considering retiring to the Philippines . Medical insurance is a big concern for me .
Thank you Grandpa for covering this important Medicare plans . I was confused too of what plans I needed to choose .
Very useful especially to seniors. God Bless you.
Sir,
You've helped us understand things that we will not be able to even we google for years! You are indeed a very sharp fellow. Kudos to ur hard work. Love all your videos. Thank you so very much!
So nice of you.
Medicare pays partially some services inside the US. If you want to get health insurance abroad, get Plan N supplement and get reimburse with your expenses upon arrival in the US. ( it is only emergency that pays Plan N). Medicare also deduct a monthly premium ($164.90-2023) Medicare Part B. Part A has no charge. Medicare Supplement Plan N today cost $143-$150/month and it increases based on your age. In addition you get Rx coverage which is Part D Medicare.
Thank you for sharing this topic that people planning to retire in the Philippines wants to hear, and of course people like to travel.
Greetings from Dublin Ireland brother and sisters Danny your channel is mine of good information I will be retiring to CDO any DAY NOW... Keep up the good work...
It's a very clear explanations. With regards to Dual Citizenships, it is advantageous for me being a retired Philippine Military.
d beeeest webinar about medicare n coverages. Thank u sir. very much!
Thank you SO....MUCH, Sir, for this very detailed and informative video. This will be a
great help for me in the near future. I'm taking down notes while you're explaining. Most likely,
i'll be viewing this video over and over again. God Bless your good and rich Heart.
Thank you very much for all that vital information Sir. I shared with my sister and brother in-law planning to retire in the Philippines.
Thank you sir for all your wisdom!!! We learned so much from you. Stay safe and healthy, we need more of your expertise!
Thank you for your research Lolo, very informative.
Almost all advantage plans have worldwide emergency coverage, but you cannot be out of the country for more than 120 days at a time. Humana being one of the harder companies to deal with but overseas they will all be difficult to deal with. Also, know that depending on the country you maybe required to pay first the entire bill and then submit it to your insurance company for a reimbursement for their share from the insurance company
Almost 100% true in PI
You have to pay cash in PI up front. But if im outbof country more than 120 days then what medicarenis no good?
Very informative. Thank you mang Danny!
Thank you for your presentation / outline. I appreciate the broader context. It helps to start to bring the discussion more into focus. Best wishes.
Great video! It was very informative and very educational. Thank you for taking the time to educate us on Health Insurance Plans here in the US & also when travelling abroad. Blessings!
I learned long time ago listening to grandpa is a very smart decision. He does his homework.
Once again, thank you, Mang Danny.
A thousand thank you’d for the detailed and important information.
Another very helpful presentation. Thank you very much!
Excellent presentation and valuable information, thanx so much VG !!!
Thank you for explaining the mess. I went to a seminar offered by United Health several years ago for my dad. But they never offered or explained the advantage option.
Now I know more.
It's still very confusing for me about medicare plans. I take care of my 86 yr old mom she has Medicare plan and Medi-cal don't know the difference when they ask me. I just give them her cards if she has appointments and she doesn't pay anything same with medications. Great info I'll look into this video again for reference. Thanks
Best to stay healthy in Philippines. No MONEY, no healthcare. Just like most countries in the world.
I definitely agreed with you 😍✌🏻👍
Medicare also works in US Territories. My father lives in Dumaguete ,PH. And when he needed surgery to remove a tumor he flew to Guam ,4 hr flight.
thats part of my plan for the future. Always will have cost of Guam ticket ready
Information is needed thanks. But was there any problems or delays? Please tell us more. The hospital name location. What was the procedure?
What was the cost. I read it's expensive to go to hospital 🏥there. With Medicare it may be 20 percent you pay?
Oh so i can get care in Guam. That's good to know
@@JR-vs1zl I went to a cardiologist it cost me 20 dollars
In states it would be several hundred dollars for visit
Love your Vlog Grandpa, very infornative! Stay well and Safe🌻🌞
This is an excellent and very informative video - perhaps you will consider doing a Part-2 video to cover more in-depth on what is Medicare Parts A, B, C, D, E, F, G, K and perhaps even doing a Part-3 video on the pros and cons from different providers such as Kaiser Permanents versus other competitors? Thank you again for the great video as i am sure many people are confused as i am about the Medicare program.
@Mike Fa That is why it took me 2 years to dig through this because sales agents are not very familiar with Advantage plans. They are pushing supplemental plans.
Thank you Vlogger Grandpa for your channel, I am learning a lot from you. I work for Anthem as a medical underwriter for employer groups, we do not cover anyone who lives or works overseas for more than 6 months. That is why those who plan to retire in the Philippines must make sure that their Medicare Advantage plan will still cover them should the carrier find that they are really not living in the States. Of course, they can use their relative's or friend's address as their mailing address, so the insurance carrier may never find out that they are actually living permanently outside the US. I am contemplating retiring in the Philippines 3.5 years later if the country meets all my criteria. I will not take a chance and prefer to purchase a medical plan that will cover me in the Philippines because when I get older I will not be able to to travel 24+ hours to seek medical help back in the US. I will check out the different plans offered by Pacific Cross in the Philippines. There is a CZcams video with information from Pacific Cross. The person representing this carrier mentioned that some of their plans also have worldwide coverage and those insured under these plans can also seek medical care at the medical facilities in Makati, even if they live in other provinces. I currently also have cancer, hospital indemnity and accident insurance coverage but will double check if Mutual of Omaha and AFLAC will still continue to cover me should I move out of the country. Without a good and affordable medical plan from the country I wish to retire to, I will not want to retire out of the US. I will also project the premium cost when I am in my 80s and 90s because the cost of insurance will increase as I get older. I will find out if the insurance premium will go up yearly or every 5 years and by how much.
You still need to maintain a US residence. If you plan to permanently stay in the Philippines by permanently abandoning US residence, you can't use the Advantage Plan.
Consider Guam
Good morning from Houston Texas USA. Thank you for sharing sir!
Thanks be to God I stumble on your video! I need this kind of insurance badly!
Why not go to Guam for Medicare while living in the Philippines? Anyone doing this idea?
THANKS for the INFO Sir appreciatted.❤
Thank you for making this video and putting so much info into it ,I'm a american who is married to a Filipina and living in the Philippines now almost four years we have a home here but are looking to go back to the USA and maybe get a home there and maybe spend Three to four months every year in the Philippines in 66 yr old and now I have a better idea what kind of medical insurance to get thanks to you
Thank you, great info being I turn 65 this February and living in Iloilo.
Thank you for the video! It's very informative.
Very informative. This is the explanation that I need. Thank you.
Not all Medicare Advantage plans are created equal. Best one's are group plans, is PPO, good in and out of network with World-wide coverage as well as in the USA, usually more costly and with higher deductibles, longer out of country acceptance . You also need cash upfront($1000-$20,000+?) and file for reimbursement later like they do in the Philippines.
Thank you, Sir! Explained nicely.
For Advantage plans.....check your mailing zip code.....get a PPO plan....when traveling seek care at a University Med Center ( they take all insurance). If you have Advantage.....Never tell providers "oh I have medicare"...always say I have ADVANTAGE.
Hi...Thanks for the video, it was very valuable and educational for me and allows me enough knowledge to know what to look for and the questions to ask when I'm considering Medicare Supplemental or Advantage plans.
I appreciate you.
Thank you so much for this information!
Unbelievably confusing; I'm 63 thinking that yeah I will be covered by Medicare free at 65!
Rt there with you, rt down to the age. Seriously confused. I have to move to the Phillipines. I can't afford to live in America on 1200/mo SSI. I'm so confused about what to do about insurance I'm ready to scream
wow! I only pay the $145 part B. My supplemental is 0 my dental is 0 my vision is 0. I have Humana Gold with world wide coverage my cost is $120 co pay.
Advantage plans or Medicare Advantage plans replaces your straight Medicare part B plan. The advantage plans give you the Out of pocket limit that is not offered in your traditional straight Medicare part B plan. If using only the straight Medicare part B plan, you will have to perpetually pay the 20% co-insurance for services unless you have a supplemental insurance that will shoulder the 20% co-insurance after Medicare.
Thank you so much, Sir, for your quick reply. Your input is really a great help.
Thanks a lot for the info vlogger grandpa!
Very well said ..Thank You Sir..
Good work CHIEF! Thanx for this VALUABLE information. Thumbs UP.
Thank you!! You have removed much of my confusion!
Very Good Information 👍. Moving to the Philippines 🇵🇭 hopefully in 2023.
Thanks you so much of your knowledge you share God bless your family too
Thanks Danny. That's a lot of information. I don't know how this figures into someone's health insurance scheme but there are credit cards available that offer travel insurances. This might save some year to year cost if they can turn on the insurance simply by buying an international plane ticket. The below statement is from a well known card issuer.
"Emergency medical and dental benefit
With this benefit, you can be reimbursed for up to a specified amount of medical expenses if you or your immediate family members become sick or injured while traveling. Coverage includes ambulance services, drugs, medicine and therapeutic services."
Great info graphic presentation. I will be retiring permanently in the Philippines myself. So choice on Medicare is easy, especially based on your chart. But I have a good health plan from my retirement but will still pursue a "local" use policy via Pacific Cross.
Please share with us what you find out about premiums and coverage. Thanks.
@@vloggergrandpa2707
Lana Borisenko / Senior Consultant - Pacific Prime
T +86 010 6468 0591 (ext. 118) M +86 181 2129 8636 E lana.borisenko@pacificprime.com S lana.borisenko@pacificprime.com (Skype)
This is the contact info of the agent. If ok to post here. I had some medical issues that are resolved thankfully. But I disclosed my full history to her and received very good rates for a very respectable and well covering plan.
Thank you. That is helpful. The question is: what is a very good rate?
@@vloggergrandpa2707 I was quoted for the maximum plan of 3 Million USD coverage in a year with my health issues. A deductible of 2,500 per year it was $200 per month. Accidental plan of 500K a year is 750 per person annually.
Thank you. That's almost as expensive as the Supplemental Plan in the US, and US does not have the $2,500 deductible per year. Almost every dollar is immediately covered.
Sir , I made some Research about it , Medicare is only accepted in the USA. ,but just like other Health
Insurances , we have to pay 1st
for the Trearment. Abroad , then with the Bill Receipt should be presented to the Insurances Main
Office , and they paid you back the
money you spent ., that is an INTL .
Regulation ..
@Bing Hellwagner id you watch and understand the video?
Thank you so much. Very well explained. Now I understand.
This is very helpful! Thanks for the video.
Thank you so very much kind sir for your wonderful detailed help to us!
Thank you for the info,.grandpa vlogger.
Thank you Sir for the info. I have a better understanding now about Medicare Adavantage plans n supplement
Cool
Good videos young man however Even if you are in the 🇵🇭 forever never cancel your medicare because you may need to fly back with major medical concerns!
Great job, sir - thanks!
Well said, Grandpa!
Retired and moving to PI by end of year. This segment answered most of my questions on insurance.
I am 69 have Medicare A and B and am in an Advantage Plan with UnitedHealthcare. I don’t go to the doctor often. Only for reg flu shot , physical etc. only take med for Cholesterol. I do intend to sign up up for PhilHealth when I get there. I understand that with this insurance I get admitted to Hospital right away. Can you send me some info or direct me to a Video that you or someone has done on the subject of PhilHealth. Thank You. PS you explain your subject very well easy to comprehend.
That is covered in one of my vlogs. Here's the link to my channel. czcams.com/channels/YU70S4jYvhw0BOetMFdD6A.htmlvideos
PhilHealth also has a web site.
@Edward Opana Does your UnitedHealthcare Advantage Plan include Worldwide Coverage on emergency medical services also? I plan to get that when I get to Washington State because there they do have Worldwide Coverage.
Philippine Retirement & Travels, USA Yes my UnitedHealthCare Plan includes WorldWide Coverage.
@Edward Opana Thank you. TAKE NOTE OF THIS TO THE VIEWERS OUT THERE WHO ARE NON-BELIEVERS THAT ADVANTAGE PLAN MAY COVER YOU (YOU HAVE TO CHECK) WORLDWIDE. Thanks again, Ed. 🙂🙂🙂
Thank you Sir for the info.
This insurance are really tricky so we have to really understand or else you will be in a trap.
@Imelda Generoso It sure is!
You are great Grandpa!!!
Thank you very much for this information. It was helpful!
Horizon Blue Cross/ Blue Shield advantage plan covers a worldwide coverage for travel insurance including COVID.They should Honor this as a travel insurance.
I have AARP unitedhealthcare AARP Medicare Complete Choice (PPO) I called them to see if I have coverage when traveling out of the United States I told the customer service person I was in the Philippines she took my I'd number and Group number and told me yes I was covered that if I had to be admitted to a hospital they should have the hospital call the number on my card .I ask her again to make sure what she said was true and she said yes I would be covered in the Philippines in the hospital and if I had to see a doctor just keep a receip of the bill up to $120
@oscar C53 Thank you for sharing. Is that policy by United Health?
maraming salamat po sa lahat nang information na inyong ibinigay
Fyi recently about 10 weeks ago, a family got hospitalized here in Manila, she has medicare plan c with worldwide coverage n the big mistake i did was paid the hosp partial payment as i was prompted to do so. Now i have to file a claim for reimbursement myself in the US. The total bill is 6m i made partial payment of 2m, the hosp in Manila will not refund it bec it is not there policy to do so. We reported the hospitalization a bit late bec we didnt know that my family is covered. When we called (after 5 weeks) in the US,thats when we found out my family has coverage worldwide. From the time the US provider was notified, the hosp here in Manila did not ask for payment from us anymore. The medicare provider covered the 6m total bill, we didnt pay the remaining balance of 4m as the hosp will be paid by the medicare provider directly. If i know then what i know now, it has saved me the worry n trouble of borrowing money to pay cash to the hosp here. Hope this info will help.
@Maria Guinto I'm surprised about that misfortune. However, the Philippine Hospital must reimburse you that amount since they were overpaid. They have no right to keep the money that was paid "in error." Their bill is for 6M and they got paid 8M. Go to the higher authority at the hospital or report it to the government authority who regulates hospitals. ANOTHER POSSIBLE ALTERNATIVE: Medicare Advantage plans usually require you to pay the provider in advance, then file a claim with them. They really should have reimbursed you instead of sending the money to the hospital. Thus, you may also be able to claim that they reimburse you for the 2M you already paid and have them run after the hospital for the 2M you already paid. Those are my two suggestions. Let me know how you make out.
Vlogger Grandpa, USA
No no the hosp total bill is 6m,by mistake i paid 2m in advance coz the hosp ask me to. That was the mistake, i shouldnt have paid in advance bec now i have to make the claim for the reimbursement myself. We are made to believe that we have to pay cash first then reimburse in the US later. I am just pointing out that no its not my case bec the hosp here in Manila can directly bill the medicare ins provider in the US. I didnt have to go through the trouble of paying cash here first should i have known my family was covered and that all we need to do is call the ins provider ryt away as soon as she got admitted. Also if you pay in advance here there policy is no refund but you can file a claim for reimbursement yourself in the US.
I will appreciate your sharing the name of the Hospital in Manila and the name of your Medicare Part C Insurance Company so I can remember that. Is it St. Lukes or Medical City? My understanding is that: (1) hospitals in Manila will not accept medicare reimbursement and that you have to pay them directly BEFORE you file your claim in the U.S.; and (2) Medicare Plan C Insurance Company will not pay the service provider but will reimburse you AFTER you pay the hospital yourself.
Vlogger Grandpa, USA
St Lukes Global in BGC. Kaiser Permanente is the ins provider.
The process was to call the ins provider then they have an international third party office that will call the hosp in manila to give a guaranty of payment.That easy. Upon discharge St Lukes called the ins provider to confirm if they will cover the total bill, it took a couple of hours for us to wait then after the ins provider confirmed that they will cover the total bill then we are done.
I just spent an hour talking to Kaiser Permanente. They said that you must generally call them within 24 hours of hospitalization, and they could arrange for direct payment to the Hospital in those situations where the patient does not have the money. They will attempt to reach the hospital and deal with them directly, and all you have to pay is the deductible amount. For small amounts, they will generally require you to pay first, then seek reimbursement. I can only think that maybe you neglected to tell Kaiser that you already paid 2m of the 6m. Could this be the problem?
Thank you sir. Well explained.
I was hospitalized in LaSalle hospital and they told me only red Cross is acceptable in any hospital Humana I don't think so
You can go to any hospital as long as it is an emergency only (meaning in the emergency room) --not routine medical.
I've seen videos where Phil Health have gone bankrupt, how would healthcare coverage be affected by this? Are there other health coverage options?
I did not check other health coverage in the Philippines. However, I decided to get the Advantage Program in the U.S. because I will need coverage in both countries, and my policy covers both.
@@vloggergrandpa2707 Salamat Kuya Danny. I will look at the Humana Advantage. I have 2 more years before I can retire at 62.
Thank you sir ! Very informative.
Be careful about terminating Medicare Part B if you leave the country. It is not that simple. Once you terminate it, you may not be able to get it back when you return to the country. I would investigate that further.
DO NOT terminate Medicare part B
Medicare gives penalty if terminated.
From what I understand you may have to wait till enrollment period to re-enroll. But not 100% sure on that. If you have VA back up that could cover the gap in emergncy
Thank you for the information.
Good job Master Chief
Excellent! Thank you.
Social security recipients are paid regardless of where they live. Would be nice if Medicare would just pay overseas recipients a fixed amount on a regular basis just like Social security. If the cost medical services is below the fixed amount, then recipients can keep the diff. Otherwise the recipients will be responsible for the diff. No need to process claims which greatly reduces fraud and paperworks. US usually has higher medical cost than most countries. This will allow Americans to retire wherever they want to.🙂
I think the concern is fraud. And fraud and corruption is prevalent throughout the Philippines.
There's fraud in Medicare in the USA as well. I doubt that there would be serious fraud if the benefits from US expats and medical tourism was high enough. No hospital would want to kill the golden goose. Medicare could start with select hospitals/clinics with audited billing. Those wanting to go abroad for knee or hip surgery (at 1/10th the cost of US) could just state where, get a US diagnosis (obviously not faking it) and a covered post-op return exam. He first and last could be fully covered and the treatment abroad at 90% of cost. The Medicare Trust fund would save billions annually and perhaps even expand the program over time. US hospitals would have to become more price competitive or focus on essential care. Expats would not have to risk long distance travel when ill or injured which increases risk.
Invest in yourself! get everything plus get travel insurance in the country destination! Money come and go be sure you stock saving for emergency! you can buy any wasted material things but don't ignore your health especially what you eat! Take care! Good Health!
It's not true, us agents get more money from advantage plans over time than a medicare supplement plan. You need to check with your advantage plan on how long you can be out of the United states. All the plans I deal with is 120 days, after that without prior approval you can be disenrolled and all claims denied whether an emergency or not.
This was a Great video! Thank you for this video, very informative!!
Yeah, we have Humana GOLD PLUS too for 2yrs now.
another great video. thanks
Sir, thank you much for this information. I have a question- How to apply for Medicare? Your input on the step by step process is highly appreciated. God bless.
Once you reach the age when you qualify, you will receive a mail from Medicare because Part A (for hospitalization) is mandatory to have and FREE. If you have other questions, call the Social Security Office so they can refer you to the right Medicare office.
Only insurance world wide is travel insurance and must be in the nation on insurance, where you be. If just insurance from home, it void past its nations borders. Need ask insurance companies before travel.
Wrong. average of 90 days on worldwide travel. Its great for travelers.
Wow!H.R. 5299 was introduced by Congressman Adriano Espailat to allow a trial program in at least 9 foreign states including the Philippines (and Canada, Mexico, Germany, Korea, Panama, Israel, Dominican Republic, India and one African nation).
The selection is odd -I would think that nations with higher quality and more affordable medical tourism progams like Malaysia and Thailand would be the types to target as this would cut the costs to the Medicare Fund. Canada already has a number of exemptions that allows coverage when you are not close to the US.
Good video Danny,the only real disadvantage to The advantage plane is once you are Eligible and decide to sign up when your 65, you have forfeited your eligibility to join a supplemental plan at a later date say for example you come down with cancer that the advantage plan doesn’t have the treatment that you would prefer and you could get with a medigap plane for example,the medigap can and will turn you down because of pre-existing conditions but if you would’ve taken the Medigap out when you were eligible at 65 they would have to take you.
That's correct. You can actually change back to Supplemental as long as you are in good condition. However, once you are diagnose with something serious, like cancer, you will NOT be able to get back. That's because you will be subjected to underwriting. That's the reason I suggested sticking with the Supplemental Plan if you know that you have something serious medical condition.
What do you consider medical condition? High blood diabetics heart stent ?
Any medical condition that could cost you a lot of money. High blood pressure and diabetes are something that almost everybody, at certain age, suffers from. I said, "almost everybody." I had it for the past 20 years. However, if you had prior and frequent heart attacks, cancer, lung issues, or you are now on dialysis, etc., those are "known," and "likely" major condition that would cost a lot of money right now. Then stay in the U.S. and be more secured. However, I will not worry that tomorrow I may have a heart attack, get cancer, or be on dialysis, etc. If I live on "what-ifs", I might as well not live at all. Heck, what is the sense living when one is always in fear? So, my philosophy is to have a decent assurance that I will enjoy myself and be prepared for unforeseen or unexpected incidents. If in spite of that I die, well so be it. That is God’s given destiny. 😀😀😀
Actually that is not correct, you have 1 year to try an advantage plan, if you do not like it for any reason you can be guarantee issue in a medicare supplement. This is a 1st time in a medicare advantage plan only. Other than. That you will have to answer health questions. There may be a couple companies that offer a guaranteed issue med sup but expect to pay about 3xs more a month than their underwritten plans.
@@ruelmendoza7455 it depends on the company and how long ago the Stent was put in. High blood pressure is usually not a problem at all
Thanks for the great advice
thumbs up- salamat-
Speaking of making payments for your medical bill for treatment, whatever that may be the case, you pay cash/ credit card first in the philippines.
Prescription drugs are included in Humana advantage at no cost
I'm waiting for your latest upload Sir.
I have uploaded several since this episode. Here's the link to my channel. czcams.com/channels/YU70S4jYvhw0BOetMFdD6A.htmlvideos
Thank you! Very Helpful!
Thank you for the very informative video - Medicare Advantage world coverage seems ideal for emergencies, but could be very costly in terms of having a large cash reserve and also costly to fly back to the US to get reimbursement. Watched the video twice and i have a couple of questions for now: 1) is it possible to switch plans from the Medicare Supplemental to the Advantage Plans in mid year or do we have to wait until the new enrollment period each year? 2) If i am planning to spend 6-9 months in the Philippines each year, what would be the cheapest Medicare options and also what medical insurance are available for foreigners in the Philippines?
(1) I can't remember this but I believe you have to wait for the enrollment period to make a change unless you change residence. (2) Advantage will be better if you spend a lot of time in the Philippines or any country for that matter. The reason is that Supplemental only gives you limited coverage while out of the U.S. Say, 2 to 3 months. Thereafter, no coverage for you while you are paying a lot of money on high premium. Most, but not all, Advantage Plan will provide coverage but only for emergency and urgent care situation which for most people is what they need. I believe that both Supplemental and Advantage will require you to pay for services first then file a claim in the U.S. There are available insurance plans in the Philippines but I heard that they are more expensive FOR THE COVERAGE THEY PROVIDE. I'm not sure if Philippine policies will require upfront funding or if hospitals will accept the policy without you having to pay first. Just not too familiar with Philippine policies.
@@vloggergrandpa2707 Thank you - you've been very helpful on this complex Medicare topic!
If u enroll for the first time with supplemental & decides to change it to Advantage, yes u can but...if u switch back to Supplemental again for the next enrollment, they ( Supplemental ) will need you to go for underwriting, and this is the disadvantage especially if you pre-existing medical conditions. Me, I'm turning 65 this year, I will probably go for the Supplemental than Advantage just to have a peace of mind bec I don't know what's gonna happen to my health conditions overtime. Paying co-insurance & deductible are kind of stressful only. So, not much worries if I will enroll on Supplemental.
what about blue cross blue shield advantage i was told no good if you live there if there there on vacation you can be reimbursed
Advantage Plan dont work in South Dakota most Drs and hospitals wont accept.