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.