nini Posted October 29, 2021 #26 Share Posted October 29, 2021 3 hours ago, PrincessLuver said: I agree also that usually Medicare and Medicare supplemental programs are very limited in any coverage at all out of the country. I know there are some Medicare Gap programs that will provide some coverage. We travel with an umbrella stand alone yearly international insurance policy that provides full coverage anywhere in the world. We have definitely learned from past experience. The key is when it comes time for people to access their policies (hopefully not) then they will really find out how it works and many have not have read the fine/small print and be surprised that many things are not covered like they thought they were. We have had to access emergency medical services on cruises while visiting Russia, Jordan and Ecuador and medically evacuation from one country (very costly but thank god we were covered). Most countries will not take your insurance and you will pay out of pocket and medical records may not be translated or up to American standards for reimbursement. If you do not have a cruise line insurance the cruise line might do very little for you or you can be charged medical fees for their services. It can cost up to $5000 a night if you have to stay in the ship infirmary. Also you might be off loaded at the next port if the doctor on boards determines it is a problem they are not equipped to handle. (We had that happen too and they do not arrange transportation for you.) I realize that not all passengers do a lot of long international cruises so insurance is less a consideration because they are in the US or its' territories or are close enough that they can get back fairly easily from Mexico, the Caribbean or Canada. We do not have pre-existing conditions but have had some serious medical emergencies when were least expecting them. We are seen people put off ships in some very isolated parts of the world and you just hope they had good travel insurance. I am so glad that you and yours were able to be taken care of! Link to comment Share on other sites More sharing options...
mcrcruiser Posted October 30, 2021 #27 Share Posted October 30, 2021 6 hours ago, nini said: Hi Cliff- We also have an Advantage Plan and are covered internationally for urgent and emergency care. However, nothing has been said about medical evacuation. I think I will ask them about that. Happy Travels! We did check our Aetna Advantage plan & we are covered for emergency Evacuation as well as the emergency medical any where in the world Cliff Link to comment Share on other sites More sharing options...
Loritd Posted October 30, 2021 #28 Share Posted October 30, 2021 Check your health insurance coverage. Ours doesn't cover us outside the US. Link to comment Share on other sites More sharing options...
mcrcruiser Posted October 30, 2021 #29 Share Posted October 30, 2021 1 minute ago, Loritd said: Check your health insurance coverage. Ours doesn't cover us outside the US. If you gave a regular medicare plan & va gap insurance plan for the 20% that is not covered by medicare you are most likely not covered by medicare outside the USA ,with our medicare Advantage plan Aetna extended the medical & medical evacuation to any where in the world .This is coverage for emergency treatment .We must then get back to our home area for continual care as needed Link to comment Share on other sites More sharing options...
Babr Posted October 30, 2021 #30 Share Posted October 30, 2021 14 minutes ago, mcrcruiser said: If you gave a regular medicare plan & va gap insurance plan for the 20% that is not covered by medicare you are most likely not covered by medicare outside the USA ,with our medicare Advantage plan Aetna extended the medical & medical evacuation to any where in the world .This is coverage for emergency treatment .We must then get back to our home area for continual care as needed Several of the Medicare supplement plans (Medigap) cover foreign travel, but they have a a relatively low lifetime limit. 1 Link to comment Share on other sites More sharing options...
brisalta Posted October 30, 2021 #31 Share Posted October 30, 2021 On 10/28/2021 at 7:02 PM, rbtan said: Then do me a favor & closely read the fine print on a cruise line's policy. I go by the Berlitz guide to cruising. They recommend NOT buying from the cruise line & that's good enough for me. Are you serious? You actually take advice from the Berlitz guide to cruising? That is about the most humouous thing I have read all day. Link to comment Share on other sites More sharing options...
brisalta Posted October 30, 2021 #32 Share Posted October 30, 2021 10 hours ago, mcrcruiser said: FWIW if you are a medicare recipient & have a Medicare Advantage plan ,check into emergency medical & medical evacuation coverage .We have a Aetna Medicare Advantage plan & all our emergency medical & medical evacuation is covered even when out of the USA We also carry the chase Sapphire Credit card which insures our trips up to $20000 each for 2 people under a 40 day trip for free trip cancellation & trip interruption .We are both 82 & our insurance costs would be through the roof so very high .so we are really pleased with both our Medicare Advantage medical plan & the chase Sapphire credit card .BTW ,check out that credit card as the perks are awesome plus you can get back a lot of cash . We love it as it has saved us thousands of $ Cliff Aetna Medical Insurance if it was an animal it would be a weasel. Link to comment Share on other sites More sharing options...
mcrcruiser Posted October 30, 2021 #33 Share Posted October 30, 2021 2 hours ago, brisalta said: Aetna Medical Insurance if it was an animal it would be a weasel. I have gotten $2000 in free hearing aids this year . I paid only 20% for a Pride 4 wheel scooter that is easily transportable in ac car trunk &Aetna picked up the 80% We pay nothing got our medicines which are all generic .Yes we work with in a referral specialist group by our primary care physician ;but ,we have excellent specialists .no complaints & they will pay up to $1750 in dental care ,first 5 days in a hospital our copay is $100 per day .Then zero .Max out of pocket per year is $2000 & they cover us for out of USA emergency medical & med ical evacuation ,Free eye exam yearly & free glasses So what is not to like about Aetna Advantage plan ? Cliff Link to comment Share on other sites More sharing options...
nini Posted October 30, 2021 #34 Share Posted October 30, 2021 4 hours ago, mcrcruiser said: We did check our Aetna Advantage plan & we are covered for emergency Evacuation as well as the emergency medical any where in the world Cliff We are also covered internationally with our Advantage plan. We only pay a $90.00 co-payment for urgent and emergency care. I was quite surprised and it does not have a lifetime max as do the Supplement plans. Link to comment Share on other sites More sharing options...
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