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Friday, July 13, 2012

Is Us Medicare Coverage in the Philippines Possible?




Blue Cross Health Insurance Quotes - Is Us Medicare Coverage in the Philippines Possible?


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Is Us Medicare Coverage in the Philippines Possible?

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 tiny to all 50 states. Has Medicare gone transportable at last? This article explores the truth behind the talks.


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A Look Back

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

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

Understanding the Structure

Medicare is a communal term that may comprise a whole of plans:


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

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

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

Off-Shore Medicare Coverage in Theory

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

In March 2010, the agency of Foreign Affairs of the Philippines confirmed that under the traditional Medicare plan:

"... Residents of Guam and Saipan... Are allowed to seek medical treatment... On accident cases, availing of their Medicare benefits in Philippine medical facilities, due to the nearnessy 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, former agency of Foreign Affairs secretary, who lobbied that Philippine hospitals be allowed to issue Medicare reimbursements.

Off-Shore Medicare Coverage in Practice

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

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

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


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

Availment of assurance benefits varies by condition maintenance organization (Hmo), assurance plan and servicing hospital. The insured must interrogate about their Medicare benefit benefits by Hmo or plan name. Specific concerns may be sent to the respective buyer care and credit/billing departments of the hospital.

List B. Taste data of selected Philippine-Based Hospitals that Honor International condition Insurances with possible Medicare benefit Tie-Ups


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

Impact on Philippine relinquishment Decisions

The affordability of healthcare services in the Philippines is somewhat let down by the "pay-as-you-go" system, but a modern turn of events are changing the way possible 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 condition reform bill on inpatient protection and affordable care that U.S. President Barack Obama signed in March 2010. The current reform permits off-shore coverage and assurance of people with pre-existing condition conditions. There will also be a minimum annual tax penalty of 5 for those who are unable to fetch condition assurance - now no longer just an choice but a requirement.

Many U.S. Tax payers are anxious that the most recent condition 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 possible (mostly through Medicare benefit plans) is prompting former Filipinos like Terry to think the Philippines as a good place to get cheap but decent healthcare - yet the "best bang" for dollar earnings.*


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