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Answers to Frequently asked Health Insurance Questions  Rate Topic 
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 Posted: Sun May 21st, 2017 07:01 pm
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asuwins
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I regularly see questions posted in this forum regarding medical treatment while in Mexico.  I consult on retiree benefits for the City of Phoenix, Phoenix Fire, Phoenix Police and sit on the Police and Public Safety Retirement System Advisory Board.  I want to share a few insights I have learned over the years that might help many of you understand your benefit choices and options for medical care while outside of the US.
1)      Medicare does not provide any foreign travel benefits.  However, of the 10 Medicare supplement options, six of them include emergency foreign travel coverage. 
2)      Medicare Supplement Emergency coverage has a $250 deductible.  The insurance company then pays 80% and the beneficiary 20%.  The lifetime benefit is $50,000 (meaning you the client could be responsible for up to $10,000 of the costs.
3)      Medicare supplement plans vary in cost by carrier with options starting under $100 a month.
4)      These plans also provide additional Medicare Benefits lowering your costs for treatments in the US.
5)      You can enroll in a Medicare Supplement plan any time of the year, however depending on your situation you may have to answer a few medical questions for enrollment. 
Emergency Medical Transportation to the US.  Two years ago my father-in-law fell and shattered his hip and also fractured the humorous bone in his arm.  We took him for x-rays here in San Carlos that I digitally sent to an orthopedic surgeon friend of mine in Phoenix.  The surgeon requested he be taken to Phoenix and I transported him back across the border to the hospital in the back of my “make shift Ford Excursion Ambulance”.  This horrible situation caused me to research cost effective and efficient ways to better handle emergencies like this since we own a place in San Carlos. 
I learned of Global Assist, which is a service included as part of a $10 a month Family membership through Alliance Direct Benefits.  Had my father-in-law had this service the following would have occurred with his emergency.  I would have called the world-wide toll free number to Global Assist.  Global Assist would then coordinate with US doctors to facilitate making sure the patient receives any immediate emergency treatment to stabilize the patient.  If the patient is stable enough to travel, Global Assist then arranges for medical evacuation back to the person’s US based home for further treatment.  If the patient is not stable enough to travel, the US doctors will oversee and coordinate all care and Global Assist will fly a family member to be with the patient until they can travel.  There are no copays or additional costs for this service.  In addition, the membership includes 24/7/365 day video or telephone consultation with US based doctors from your state of residence who can write prescriptions through Teladoc.  If you are out of the country they can tell you what prescription to obtain from a pharmacy.    The doctors will usually call you back within 15 minutes of your request.  FYI, Teladoc has national contracts to provide this service with many health insurance providers including Humana who will usually charge a copay for services.  This service, if enrolled in directly with Teladoc, is approximately $15 a month per person, however it is included with the $10 family membership and with no additional charges.
Out-of-Country Health Insurance:  Outstanding Health Insurance Coverage is available for US Residents living abroad.  The monthly premium is based on the person’s age, gender and plan deductible.  For Medicare eligible people one of the Medicare Supplement options may be the lowest cost alternative.  For those under 65,  affordable options are available.  For example, a plan for a 60 year old male with a $5,000 deductible would be $127 a month.  Higher or lower deductible amounts and plan options effect the rates and the deductibles are often reduced by 50% for hospital and emergency care.   I can provide specific quotes if you e-mail me your name, age, gender and if you have any current or previous major medical conditions. 
Anyone requiring additional information on any health insurance or Medicare related matters, please feel free to e-mail me at ktims@healthmarkets.com

Attachment: value flyer.jpg (Downloaded 263 times)

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 Posted: Sun May 21st, 2017 08:31 pm
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lasninas
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Thank you for the excellent information!

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 Posted: Mon May 22nd, 2017 12:10 am
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ballenamar
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The description supplied in this thread assumes that you are NOT an expat and that your home is in the USA. I applied this week and was advised by the agent that you simply put your US mailing address as your home even though you live in Mexico. Basically (after repeatedly telling the agent that I am a permanent Mexican resident) I was asked to lie in my application. This is a sure fire way to get the services of your coverage denied when your need arises. So beware. The coverage appears to be fine if you have a US residence and do not live permanently. Like others on this thread have noted, health insurance coverage for gringos down here is not cheap. For those of us over 75, it is impossible to get. 

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 Posted: Mon May 22nd, 2017 03:11 am
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maryt
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I am a little confused. The Global Assist is $10.00 a month and that is all you pay? You said it was part of Alliance Direct Benefits. Do I have to buy Alliance Direct Benefits to get Global Assist and how does that fit in with Medicare and a Medicare supplement and what does it cost? Thanks.

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 Posted: Mon May 22nd, 2017 02:49 pm
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asuwins
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Global Assist is one of the many benefits included in the Alliance Membership benefits for $10 a month.  Global assist will coordinate any emergency medical care, ensure you are stablilized, and if necessary arrange for ground or air transportation (which ever is going to be best) back to your home address in the US for care.  Global Assist is for emergency care.  Example if you needed to be transfered back to the US for cancer treatments and there is no emergency, Global Assist would not pay for the evacuation services.  Global Assist and Medicare are two separate things.   If you have Medicare Parts A and B or another health insurance plan, they would be responsible for covering any medical costs occurred in the US or possibly Mexico idepending on your specific plan benefits.  One Note regarding Global Assist, the plan becomes operational when you have traveled more than 100 miles from your home and in up to 90 day increments.  Thus you do need to have a US address which is usually one's address for their health insurance.  If you need to extend coverage beyond a 90 day trip, a call to Global Assist can extend this.  I hope this answers your question and please feel free to email me.

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 Posted: Mon May 22nd, 2017 02:56 pm
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asuwins
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If you remember I asked if you had a US based address.  You advised yes and said you lived in San Carlos.  If you coordinate your Medicare or other heath insurance benefits through this US address, Global Assist will coordinate your care.  Based on your situation, I admit it might not be the best plan for you but compared to the costs of other emergency evacuation options, definitely the best overall value.  

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 Posted: Thu May 25th, 2017 08:36 pm
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asuwins
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The Global Assist Benefits  contained in the Alliance Membership are provided through Assist America.  Here is a quick video describing Assist America in more detail:  https://www.assistamerica.com/About-Us/What-Is-Assist-America.aspx If one is traveling back and forth to the US with in a 90 day period (regardless of the number of trips) no additional coverage is required.  For those who remain in San Carlos for longer than 90 Days, Expatriate coverage is available that will cover a member for up to 365 days (renewable annually for an additional cost of $80 an individual or $120 for the family).  This is in addition to the $10 a month fee.  This is just one of the many benefits included in the $10 a month membership.  I believe many travelers to SC will also benefit from the roadside assistance and Teladoc benefits as well. 

Last edited on Thu May 25th, 2017 08:48 pm by asuwins

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 Posted: Sat Sep 9th, 2017 05:22 pm
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tonyh
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For Americans up to age 84 or younger and spending some time in Mexico, up to 6 months, this is very good. The GeoBlue Blue Cross Voyager insurance plan  OR Trekker Plan (up to 70 days)

The Link <

https://www.geobluetravelinsurance.com/product_overview.cfm?link_id=10080&header=y&footer=y&personalized=y

This might offer some pre-existing coverage in some cases unlike other short term plans.
Covers sports even hazardous (unless a competitive event ) and covers boating & diving. The air ambulance coverage is built in.


For Canadians,  citizens of Europe, Asia  then this WEA Expatriate major medical insurance is affordable and now covers non-professional sports for those age 75 & under. Offers more sports coverage than IMG

The Link WEA <

https://www.weadirect.com/get-quote-prod/?ProducerCode=WE100136&PRD=Signature


Tony
http://www.globalmedicalplans.com


we are in the insurance section of this board

Last edited on Sat Sep 9th, 2017 06:03 pm by tonyh

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 Posted: Mon Jan 1st, 2018 04:52 pm
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tonyh
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Got some new major medical health insurance plans for expatriates, living part time of full time in Sonora. Can include or exclude USA.  The plans have only been available for  3 months but the carrier has existed 30+ years. Canadians can be covered up to 180 days year in Canada.
Premiums are very good, can apply to age 75. If accepted can keep the plan and they are in-network with cima & hosp san jose, any Guaymas facility and 9 hospitals in AZ, 35 hospitals in Calif. This is real insurance

Write me or call

Tony H
01 5553515282  or 4804459324






we advertise on this site



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