How does US Medicare Advantage coverage work for medical expenses incurred in Thailand?

In telling of my experience, others will learn some valuable information. Unfortunately, this information will not help some of the audience here.

I have a US passport, 68 yo, United Healthcare Medicare Advantage plan, no Thailand Health Insurance, Non-O marriage visa, live in Ratchaburi for 6 months each year.

Starting in mid-December I contracted a medical condition that sent me to the ER 5 times. 3 visits to Bangkok Hospital Ratchaburi, 1 visit to Ratchaburi Hospital and 1 visit to Bamrumgrad Hospital.

All of the claims that I submitted electronically to my US health insurance were paid. Some were reimbursed 100% and others around 80%.

Most US Medicare Advantage plans will reimburse you if you are overseas, except Puerto Rico and a few other exceptions. Care on a cruise ship is covered the same way. You are not covered if you are outside the US for longer than 6 months in that year.

I researched this in July 2024 and used it in December 2024 and January 2025.