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I am on SSDI and am eligible for Medicare starting in late 2018. My question relates principally to arranging for health insurance back in the U.S. in case I get sick while retired in the P.I. I'm also interested in health insurance within the P.I., but the focus of this question is on U.S. insurance. I ask this because I was recently told that I would not be eligible to pay premiums for, and be covered by, either Medicare Advantage or Medigap in Washington state if I am not a resident during the coverage period. I would have been willing to pay the premiums in order to have coverage within the U.S. should I need to return to the U.S. on an emergency basis. Based on what I was told, I might have to wait until the next open enrollment period to sign up for a Medicare Advantage plan leaving me open to Medicare's potentially expensive 20% coinsurance obligation. A private plan that could cover me upon return to the U.S. until the next availability date of Medicare Advantage is one possible approach. Alternatively, a plan that would cover me internationally could work if I needed expensive treatment in the P.I. or elsewhere in Asia could work as well. Thanks in advance for any help with this matter.
Greetings: I have a question about Health Insurance...This is one reason I decided to join a forum so that I can ask questions like this and 'hopefully' get an honest non-judgmental ANSWER ONLY to the question I ask... I have accepted the consequences of living here on such low fixed income so if you can just accept that and give me an honest answer I will be thankful. I have been told that Phil-Health would be the best, however I have a lot of pre-existings. This would be for my wife and I (No Children).... Anyone know the costs now? Where is the office (Cebu) I have never used a runner before for anything but our Landlady's Mother says she can sign us up for Phil-Health (I am uncomfortable with this)...but I am home-bound and it would be nice...or should only my wife be the one to do it....(She does everything else)..... ADVICE....ADVICE...ADVICE...