I Hate Dialysis Message Board
Dialysis Discussion => Dialysis: Medicare/Insurance => Topic started by: iolaire on June 30, 2015, 11:42:09 AM
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I’ll be at 30 months on Dialysis sometime in 2016 and will move from my employers insurance as primary to Medicare. At this point my employers insurance has reimbursed 100% of dialysis costs in other countries when I submit what I self paid. I’m wondering what’s going to happen when Medicare becomes primary.
I know Medicare pays nothing out of the US.
Does anyone have any experience with this; will my private insurance cover what Medicare doesn’t? Also do I have the same deductibles (co-pays) on my private insurance when it picks up after Medicare?
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The only answer that counts is the one from your insurance company - contact them in a form that leaves a written trail of their answer, as it could get expensive if they tell you that you "misunderstood".
With my policy, I pay the same deductibles as if not on medicare, with the employer policy paying on the 20% until what's left over is what I would have paid pre-medicare. I don't know if I would be reimbursed for out of country, as I have no experience with that.
I thought you were some sort of wealthy power broker being able to afford all those international treatments .... I guess that illusion has been dispelled ;D