Travel Junkie Judy Posted May 25, 2023 #26 Share Posted May 25, 2023 4 hours ago, ChiefMateJRK said: Your post suggested that your "Medicare" did not cover 100%. That's why I asked if it was Medicare Advantage or basic Medicare Part B. Many Medicare Advantage plans only provide emergency coverage when outside your own state. I believe it is the insurance company who decides what is an "emergency," and only when they receive the claim. I don't like insurance companies. I don't believe that any Medicare plans cover medical expenses outside of the US. Perhaps some high-end Medigap policies do. 4 hours ago, ChiefMateJRK said: Your post suggested that your "Medicare" did not cover 100%. That's why I asked if it was Medicare Advantage or basic Medicare Part B. Many Medicare Advantage plans only provide emergency coverage when outside your own state. I believe it is the insurance company who decides what is an "emergency," and only when they receive the claim. I don't like insurance companies. I don't believe that any Medicare plans cover medical expenses outside of the US. Perhaps some high-end Medigap policies do. My Medicare Advantage (United Health Care) covers all expenses outside of the US - less my deductible. If it is at an emergency clinic, I pay only $65. If I am admitted to a hospital, I pay my $500 deductible. This is not an expensive plan. It is quite reasonable. It is my only health insurance, though I do have the Allianz Travel Insurance, which covers whatever my United Health Care doesn't - as long as the trip is 90 days or less. Link to comment Share on other sites More sharing options...
Travel Junkie Judy Posted May 25, 2023 #27 Share Posted May 25, 2023 6 hours ago, tomk3212 said: Hmmmm...in light of this I wonder if I should try them now for this claim? It's been 3 years but ya never know... For NCL we had to wait till July to get the $$ we paid back but they paid it back completely. They offered a FCC for 125% of what we paid but we decided to 'take the money & run'...lol For AA (American Airlines) I got a call from them in mid-May right after our return flight from Rome was 'officially' cancelled by them asking if I wanted the $$ back or a credit towards a future flight on AA. Naturally we took the money and ran...again. So Kudos to NCL & AA & a BIG Bronx cheer to Allianz! Allianz gives you 90 days to file a claim, so I don't think the 3 years would work.....just sayin' 🤣 Link to comment Share on other sites More sharing options...
Travel Junkie Judy Posted May 25, 2023 #28 Share Posted May 25, 2023 7 hours ago, ChiefMateJRK said: Out of state but still in the US or out of the country? Is this a Medicare Advantage plan? I believe that basic Medicare is equally valid in all 50 states. 5 hours ago, ChiefMateJRK said: Your post suggested that your "Medicare" did not cover 100%. That's why I asked if it was Medicare Advantage or basic Medicare Part B. Many Medicare Advantage plans only provide emergency coverage when outside your own state. I believe it is the insurance company who decides what is an "emergency," and only when they receive the claim. I don't like insurance companies. I don't believe that any Medicare plans cover medical expenses outside of the US. Perhaps some high-end Medigap policies do. 6 hours ago, tomk3212 said: Hmmmm...in light of this I wonder if I should try them now for this claim? It's been 3 years but ya never know... For NCL we had to wait till July to get the $$ we paid back but they paid it back completely. They offered a FCC for 125% of what we paid but we decided to 'take the money & run'...lol For AA (American Airlines) I got a call from them in mid-May right after our return flight from Rome was 'officially' cancelled by them asking if I wanted the $$ back or a credit towards a future flight on AA. Naturally we took the money and ran...again. So Kudos to NCL & AA & a BIG Bronx cheer to Allianz! Allianz gives you 90 days to file a claim after your incident. Don't think the 3 years old claim would work...just sayin'.........🤣😂 Link to comment Share on other sites More sharing options...
ChiefMateJRK Posted May 25, 2023 #29 Share Posted May 25, 2023 14 hours ago, Travel Junkie Judy said: My Medicare Advantage (United Health Care) covers all expenses outside of the US - less my deductible. If it is at an emergency clinic, I pay only $65. If I am admitted to a hospital, I pay my $500 deductible. This is not an expensive plan. It is quite reasonable. It is my only health insurance, though I do have the Allianz Travel Insurance, which covers whatever my United Health Care doesn't - as long as the trip is 90 days or less. Thanks for the explanation. 1 Link to comment Share on other sites More sharing options...
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