@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.

Google the LA consulate phone number. Call them to verify what are the current documents requirements and is LA the correct place for you, but it sure sounds like LA.

Google the requirements. There is an official government website with all the current requirements.

About 5 years ago it was a visit to the consulate in Chicago.

For us, the consulate visit included about 1 hour of Thai language paperwork for each daughter. We had that covered too.

Be aware to not be timid or aggressive. Be assertive. Their first response will be something like “oh no, you can’t do that from here or child too old, child too young, etc.” Respond with something like “I know there is no age requirement. I know you can do that here. My child is Thai just the same as you.”.