Note: Since publishing this I have been investigating whether you, or I must have physical residence in Florida or other State in the US. I am trying to get a definition of residence. It may well be that this only applies to people who have a physical primary residence in the US. When I have the definition of primary residence I will amend this post again.
Adding to my great debate about healthcare in Panama I just turned sixty four plus one, sixty five and started Medicare. I debated dropping my existing International Health insurance, $600 a month, I wondered about paying for part B Medicare, about $100 a month and I asked a lot of questions.
Yahoo groups are full of discussions that all say Medicare does not work in Panama so people question, why pay for Part B? An experience of a neighbor made my decision. My neighbor signed up for a medicare advantage program which is completely paid for by the Medicare Part B premium. He had an emergency event in Mexico, a bill approaching $100,000 and no other insurance. The Medicare advantage policy paid most of the bill.
Medicare has a small emergency coverage for out of the US events, his Medicare advantage program covered more. I duplicated his purchase, AARP Medicare Advantage from United Health Care. For no premium beyond part B I am covered for a life threatening emergency anyplace.
Next week I am setting up a relationship with a doctor in Miami for prescription drugs to be mailed to my Miami address; in my case all covered 100% by the program.
I can pay for minor non life threatening care in Panama. I feel confident it is the correct decision, a compromise allowing me to live here and use the Medicare I paid for as a solution. If is not a crisis I can fly to Miami for medical care, if it is a minor need I can pay here and if it is an emergency I will pay the bill and submit it for reimbursement. In all not the worst case scenario and a savings of $500 a month for me.
This resolved my decision and perhaps can help you when you reach sixty four plus one. If you want a contact in Miami for United Healthcare I have had excellent service from:
Vivian M. Espinosa Internal Sales Rep., Miami Dade, United Health Group
(office) 305.715.4055 | (fax) 305.715.4413 | (email) email@example.com | (web) www.unitedhealthgroup.com | (cell) 786.556-0065