Is Us Medicare Coverage in the Philippines Possible?

Health Care Reform Bill Passed - Is Us Medicare Coverage in the Philippines Possible?

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Between 2007 and 2008, rumors and reports came out that U.S. Medicare coverage in the Philippines is possible. Generally, U.S. Medicare coverage is limited to all 50 states. Has Medicare gone conveyable at last? This narrative explores the truth behind the talks.

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Health Care Reform Bill Passed

A Look Back

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

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

Understanding the Structure

Medicare is a group term that may contain a estimate of plans:

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

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

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

Off-Shore Medicare Coverage in Theory

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

In March 2010, the branch of Foreign Affairs of the Philippines confirmed that under the original Medicare plan:

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

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

Off-Shore Medicare Coverage in Practice

My Philippine relinquishment made a round of phone calls to check whether hospitals in the Philippines have already reimbursed Medicare benefits under the original plan. There were no recorded cases yet, the staff said. In fact, majority of the hospitals appeared to be unaware of "U.S. Medicare."

They did contribute the following list of honored international health assurance plans, some of which have tie-ups with Medicare benefit plans:

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

(Allianz) Worldwide Care - Asian Hospital Aetna - Asian Hospital Aetna Global benefit - Makati curative Center Alliance - Asian Hospital Blue Cross International - Asian Hospital Blue Shield - Asian Hospital Calvo's - St. Luke's Hospital Cigna - Asian Hospital Gmc Services - Makati curative Center Hth World Wide - Makati curative Center Ima - Makati curative Center Img - Asian Hospital International health assurance of Denmark - Makati curative Center International Sos - Makati curative Center Net Care - Asian Hospital, Makati curative Center Pacific International - Asian Hospital prestige International - Makati curative Center StayWell - St. Luke's Hospital TakeCare - Asian Hospital TieCare - Asian Hospital, Makati curative Center Vanbreda International - Asian Hospital, Makati curative Center William Russel - Asian Hospital

Availment of assurance benefits varies by health maintenance club (Hmo), assurance plan and servicing hospital. The insured must inquire about their Medicare benefit benefits by Hmo or plan name. Definite concerns may be sent to the respective customer care and credit/billing departments of the hospital.

List B. Perceive information of selected Philippine-Based Hospitals that Honor International health Insurances with potential Medicare benefit Tie-Ups

Asian Hospital and curative Center: info@asianhospital.com * +63 (2) 771-9000/ +63 (2) 876-5838 Makati curative Center: sales@makatimed.net.ph * +63 (2) 870-3000/ +63 (2) 870-3008 St. Luke's Hospital: info@stluke.com.ph * +63 (2) 723-0101/ +63 (2) 723-0301

Impact on Philippine relinquishment Decisions

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

One such amelioration is the direction that Medicare portability is headed. Statistical trends indicate that by 2011, Medicare expenditures will soon exceed the revenues generated from the trust fund. This can be prevented when economy off-shore facilities are used to deliver the same-quality healthcare services offered in the U.S., experts explain.

Another amelioration is the health reform bill on outpatient security and affordable care that U.S. President Barack Obama signed in March 2010. The current reform permits off-shore coverage and assurance of population with pre-existing health conditions. There will also be a minimum yearly tax penalty of 5 for those who are unable to procure health assurance - now no longer just an selection but a requirement.

Many U.S. Tax payers are anxious that the newest health reform will come with a steeper price tag. "I'm anticipating my assurance selected (monthly payments) to increase from 0... To more than 0," fears Terry who works for the federal government and hopes to retire in 2020.

Lesser take-home pay (and savings) combined with the fact that U.S. Medicare coverage in the Philippines is potential (mostly straight through Medicare benefit plans) is prompting old Filipinos like Terry to consider the Philippines as a good place to get cheap but decent healthcare - yet the "best bang" for dollar earnings.*

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