International Travel well on Medicare (primary) plus secondary insurance?

[iolaire]

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?

[Simon Dog]

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