@Tony *********

You are correct. So in that case, a Medicare advantage plan would be better for US citizens that travel abroad.

@David ****

I read the “Terms and Conditions”. I am not shocked that they paid because they established the rules. They won’t ask for a refund because I am following the rules set forth by the insurance company. The difference is that I actually read the fine print.

@Joseph ******

thankfully, I am not committing insurance fraud.

@Kevin *********

you need to do your own research. For me the research was worth a few thousand dollars.

@Randall ******

happy to give you some insight.

@Tony *********

I live in the US from May to October. I am a US citizen, US resident, US homeowner and US taxpayer. I live in Thailand from November to April in my home in my Thai wife’s village. The insurance company determines the rules, I comply with the rules.

@Nongnuch *******

that was not a question to answer on the claim reimbursement form.

@Wylie ******

I stated quite clearly what my research has found. Not speculation or guesswork. I actually read the “Terms and Conditions”. My Medicare advantage plan will cover me for up to 6 months outside the US.

I’m not playing with fire, I am following the rules. The difference is that I know the rules because I did the research. I live in Thailand with my Thai wife to avoid the cold 6 months in the US.

@Michael **********

I paid the hospital at the end of each hospital visit. I submitted my claims a few days after leaving the hospital while still in Thailand. I got paid by the my Medicare advantage plan while still in Thailand. They sent a check to my US residence and my daughter deposited it in my checking account for me. I have been married to my Thai wife for 38 years and we have been spending the 6 cold months in Thailand for 3 years.

My wife was denied by that woman 36 years ago. . Sorry for your pain.