Ajijic - Mexico Accepts Medicare Advantage for retirees
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- Опубліковано 30 бер 2023
- Lakeside medical group www.lakemedicalgroup.com/cont...
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Our personal story
SEE video link • WE CALL Ajijic / Lake...
My wife Lori and myself sold our home and our business in Hawaii and in 2006 we became homeless. Our goal was to travel around the world and "living the good life" are basic philosophy is
Fly First Class but PAY Coach Price "
We have enjoy our world tour of 37 countries in the last 25 years. In 2012 we returned back to the big Island of Hawaii and bought a small cottage. For 2 Years we using Hawaii as our home-base.
I'm so glad Lori is feeling better! She looks back to herself!
Thank You
Love
Lori
LORY IS DOING GREAT, GOOD FOR HER, GOD BLESS HER!
Jerry always gives us the best info from Ajijic/ Lakeside Jerry and Lori have at least 30 years combined experience in the area and know about other parts of Mexico. I’ve been watching him for years. He tells you honestly what it takes to move to Mexico. He tells the truth. Him and Lori have been giving to people in need for years If one is thinking about retirement or visiting Mexico talk with him. He’s not a newcomer to Lakeside. He’s been around for many years.
Jalisco I need to hurry you as my promoter thank you very much for that compliment. Lori and I appreciate you very much and we appreciate you for all that you do and keep doing what you do it's appreciated by all Jalisco
@@JerryBrownTravels
Jerry: I sub’d before I saw your face in the picture haha but anyway, I wonder what you or someone know about using VA medical in Mexico? In Panama there is a hospital where they said they accept someone’s VA for a 100% disabled person. I would think someone in Lake Chapala would have info on this. Any ideas?? I beleive for a Veteran with a 100% disability it should be accepted and covered anywhere in the world. Thanks.
When we became residents in Mexico, we were told we could not keep our Medicare Advantage program.
If you're talking to somebody outside the United States let's say your medical provider they're gonna tell you that you cannot use Medicare or Medicaid advantage in Mexico.
Everybody who has Medicare and Medicaid advantage and live in Mexico as a address in the United States so this way they think you're living in the United States and not in Mexico. Unfortunately they make you lie about your address but that's the game we have to play all of us that live down here.
@@JerryBrownTravels Yes, you need to lie. But suppose you have a big emergency in Mexico and the insurance company pays a massive claim based on their assumption that you're a US resident when you're not. Is that not insurance fraud? It's one thing to lie to US banks so they give you service. It's another thing to lie to a company that may end up paying you big money that would not have done if you had been truthful. Get the difference? People have different comfort levels on these kinds of things but everyone trying it should be aware what they're doing with open eyes.
Yes I think that can be true. Emergency care is good but most need routine care, especially when older!
@dianeferguson1074 Yes exactly. This Medicare Advantage scheme which is based on lying if you're an actual expat is very limited. Emergencies only. Let's say they honor a claim and then you have later claims. Surely the insurance company is going to suspect that you lied about your residency!
Pretending you are living in the USA could be a problem, it could be considered fraud. Also, how do the doctors billed Medicare?
I like Lori's garden. And I like the fact that in Mexico you can water your plants without complaints. Here in CA we are always in a drought and can't even take a long shower; lol.
Thank you for your comment and actually here at Chapala Lakeside we are having some water issues some homes are running out of water and they have to fill up their reserve water tank but I have a truck come in and throwing it up and then they have to pay for that also.
What a beautiful house it looks like film set. What a good taste
I just downloaded you book Lori and look forward to reading it tonight. I never did know what your health problem was but it looks like you are on the mend and good to see you out in your garden. Take care. See you next week.
Thank You Maggie thank you for ordering my book I really appreciate that very much and also I would love to hear back from you and hear your comments. My publisher is recommending that people after they read the book that they do a review and give it a high rating that will help the book sales also all the proceeds from the sale of the books go to the national refugee Association to help the refugees around the world. You asked about my health I had a knee replacement six weeks ago and three months ago I had a gallbladder removed but I'm OK. Thank you thank you thank you
Lori
PS anybody who would like to order my book if they just type in my former name Vinh Sok don't lose help and it will be sent over to the site.
One of the biggest benefits of having Medicare in the US is the way they control the outrageous costs which providers tried to charge. It's always instructive to read the statements and see the amounts that the providers charge, and the amounts that Medicare approves. For example, I recently had LASIK surgery. The surgeon charged about $3,200, which Medicare approved. However, the Surgical Center charged about $24,000. For doing almost nothing other than putting in some eye drops, and doing a very amateurish job of doing the anesthetic. Medicare approved $3,000. I can't imaging how an uninsured person could have managed to cover that $24,000 bill, unless they were wealthy. Mexico doesn't seem to have the same ultra predatory medical billing practices.
Hat’s off to you Lory for your God giving you hope thru a hopeless situation. Mr. Jerry, your medical insurance info is good to know. At one time I lived in Hawaii. Since it’s an island the cost of living was so high we had to return to the mainland. I like the sound of Mexico and I already speak Spanish but concerned about the weather patterns throughout the year and a safe places to live there.
Thank you for your comment Lori made appreciate that very much.
Thanks, one of your best yet! The sound quality was excellent, as was the content. Aloha!
Glad to hear it!
Not as cheap as i was thinking. Definitely not as expensive as the US but retires on a fixed income may have problems getting care for certain procedures.
Thank you for the information and what a beautiful backyard you guys have!
Our pleasure!
I used to have a life and health insurance license. I strongly recommend that you call your Medicare advantage provider (whether it's BCBS or UnitedHealth or anyone else) to clarify your coverage outside the United States. Otherwise, you may get a rude surprise.
GREAT VIDEO! much appreciated. lots of good info for us expats in Mexico. It's good to see "the star of the show", Lori back! And what a magical garden! All the best to you two!
More to come! Lori is back and next week will be interesting because we're gonna discuss her book I know you'll think it is very interesting.
Always good info. Thanks.
Our pleasure!
Good you going to need it!!!!
Great video guys and great info
We just renewed our insurance last month here.
Thanks for sharing
Cheers from 2 Canadians living in the Yucatan
J&D and little Cece 🐶
Always enjoy your comments and thank you for being a subscriber for over two years now.
@@JerryBrownTravelsdenada amigo ✌️
Go back to your country foreign invaders...... you're not welcome in Mexico
Thank you for the information
My pleasure
BOOK sounds good. Cambodian people are amazing.
The next time you talk about Advantage, I think it would be good to clarify whether it can be used for emergencies by BOTH temporary visitors and permanent U.S. residents. I have heard that it may be limited to travel outside of the U.S. of less than X days. Permanent residents relying on that coverage might have a nasty surprise if true.
I'd like to express my feelings from me and Lori we appreciate when you make comments.
It is true. If your insurance company under Medicare Advantage part C finds out you are living full time in Mexico and not just visiting, they will probably cancel your policy. That "emergency rule" is assuming you are outside the US visiting Mexico when you had your emergency. Medicare Advantage usually follows the same rules as Medicare.
Hey guys!
more plant wisdom from lori please
That's great that Lori is doing better good info on medical stuff of course would check on my personal insurance.
Are there any more houses cheap for sale or rent thx .
HAve a great weekend.
Hi Oum I just got back from Cancun and love it there. Hoping to run into another Khmer like you there while in Mexico!
Sounds great!
@@JerryBrownTravels do you run into other Khmer retiree as well?
Only for the first 60 days. Medicare advantage is not Medicare.
Right?! People are so confused. I will take my traditional Medicare with a good supplement. I was an RN Discharge Planner and I saw so much delay and denial in care with MA plans, often with disastrous results.
My wife loves Lori's garden, we plan to visit
Lori eats 90% of her garden supplies her daily food she buys fish and chicken and of course rice.
So glad you’re feeling better, Lori❤ Also, I don’t see the link to your book. Am I missing something?
Updated My book is his title Don't lose hope I use my birth name that is Vinh Sok and it is on Amazon here is a link where you can purchase the book
Thank you very much and all sales of this book is donated to the united world food bank for refugees around the world.
Thank You
Lori
www.amazon.com/Dont-Lose-Hope-Killing-Cambodia/dp/B0BW35YBBY
Jerry can make a video on social security and being from California has does that work for tax purposes.?
Medicare Advantage plans in the USA go State by State, so the plans usually don't pay for out of state work unless perhaps it is emergency care. If you change states, you have to change your plan. If you live in Mexico, you need to return to the USA for benefits to the state where your network is located. Most work would be in the State where your plan is located!!! It seems like it would be wise to allow services to be done in Mexico where the costs would be less for the patient and for the provider - I'm not aware of any allowances unless perhaps they'd pay for emergency care. My advantage plan has very small copays. I had an operation and paid a small copay - only small copays of $20 per appointment with specialists per appointment. There was a copay for the emergency room - my wife says it was less than $100, but I don't remember - my card said $120, but it was more like $80. Most medical professionals prefer regular Medicare direct (not Advantage Plans); however, with that you need a "gap" coverage, since they don't pay 100% - this gives you coverage anywhere and everywhere in the USA. Often, as you age, you may not be able to get private coverage after a certain age in Mexico - one would need to return to the state of coverage for annual physicals, etc., and for any treatments. I am satisfied so far, but hope to learn more.
A "Low Cost Healthcare consultant" assisted me in selecting Cigna (now called Evernorth) in the Phoenix area. There are dozens of providers where some do better than others. I've been pleased using Advantage Medicare through Cigna so far, but I've had excellent health (until my recent operation)
Good information Jerry but I have a few questions.
You bring up San Antonio Hospital but according the Lakeside Medical site they only allow the Riberias Medical Center for care?
Also why did you bring up Quality Care? Do they handle "emergencies" as it seems like you have to go to a Hospital like San Antonio through an emergency entrance to claim foreign emergency coverage under Medicare or other insurance assuming the policy has?
Tonight question Mike yes lakeside medical only uses Riveras medical center hospital and lakeside medical only works with people who have Medicare advantage. Why did I bring up Quality Care I'm showing how are you it's easier to find a doctor and they offer a good service has nothing to do with any of the others references I made in the video it's a separate issue. Thanks for making the comment Mike
Wowwww this year we have a lot of medical expenses this year” lol
We used all of our travel money for medical expenses and it may not be over.
I don't know where you get all this information, but there are so many private doctors and specialists that are way inexpensive great service. I think you are paying a bit much Jerry.
Jerry, I am currently taking a Medicare class here in Nevada. We were told that there are over 50 Advantage Plans available in this state. How do I find the name of the Advantage plan that you are referring to? Thanks
Sounds great! The ones that both hospitals recommend is United healthcare.
Jerry, people should know that if they give up traditional Medicare with a MediGap plan to get an advantage plan, they will likely not be able to go back to traditional Medicare plus a MediGap plan unless they can pass medical underwriting. So if you are giving up a MediGap plan and have had health problems, be careful!
Thank you for that update I had not heard of that before.
@@JerryBrownTravels I almost made that mistake. On UA-cam take a look at the channel titled Medicare School! He explains it in one of his videos.
To make Medicare Advantage work as an expat you need both your social security (if you have a claim going) and your Medicare to have the same US address. That's because it's based on US zipcode. Each US zipcode will have it's own Advantage options. Only some of them will be optimal for what Jerry is talking about. If you are a full time expat and doing this and you tell your Advantage insurance company that you're actually an expat (rather than a tourist) they won't enroll you or they will cancel you once they know. So people be clear this is not full Advantage! This is only international travel insurance for emergencies only. Otherwise worthless outside the U.S. What if the company finds out later that you're really an expat after they've paid a big claim? I don't know. Is that insurance fraud? I don't know. Will they demand their money back? I don't know. Anyway if you do this you can use the full Advantage benefits if you travel back to your stated zip code area.
The info in this video was very incomplete.
Really, this is best for tourists and snow bird types. You can try it as a full time expat but you have to be clear the insurance companies don't really intend to serve you.
Unfortunately the Social Security office makes us have a US address to receive Medicare or Medicare advantage. If you're a full-time resident and you don't have a US address you're not qualified for either of the programs
@JerryBrownTravels You do not need a US address to enroll in regular Medicare Parts A and B. Of course you can't use it abroad.
You do need a US address to enroll in Medicare Advantage
Your address whether US or not must be the same for Social Security and Medicare.
If Social Security has you on a US address they will not send out the proof-of life letters that are required if they have you with a foreign address.
When you enroll in Advantage using a US address you are claiming to be a US resident not an American living abroad.
That's the terms of the deal.
If you give them a US address and are actually living abroad YOU ARE LYING.
If people are comfortable with that so be it just be aware what's going on.
I wonder how difficult or easy is to obtain the Mexican citizenship???
I heard that president Lopez Obrador will have covered by the end of his administration , universal free health care for all Mexican citizens ;
And it includes free health care , medicine and surgery at high level like in the Nordic countries .
I’ll appreciate if you guys give us a heads up about this .
Thank you guys and continue enjoying the wonderful country of Mexico.
My reading of Medicare rules indicate that persons residing outside the United States are not eligible for an advantage plan. Furthermore, it is your responsibility to exit an advantage plan once you no longer reside in the USA. Is this not correct? What am I missing?
Robert the way people get around that they live down here full-time they use an address in the United States so that way they are eligible when they're traveling.
@@JerryBrownTravels Thank you for the response. I have worked in CDMX for the past 13 years. I have delayed taking part B as my employer is providing full medical. I just turned 70 and applied for social security from CDMX. US residency declaration may work for most but I am not sure in my case that I should go that direction. I do greatly appreciate your honesty and I think this works for most people. I retire in June and will simply go with part B. I am not planning on returning to the US to live. Hopefully my hospital visits can withstand a plane trip. I would love to hear why foreign residents are ineligible for advantage. What is the argument?
Don't fall for this nonsense. He and she should be arrested.
What you are doing is advocating healthcare fraud- telling people who reside here to lie and give Medicare a residence address in the uS
Do you know that doing this is a felony?
Hey guys. I think you mean "Accepts" not "Excepts"
Thank you everybody that made that correction for me I changed the thumbnail just now let me know if it looks spelled right. If I could've spelled growing up I've been an attorney.
Das how dets blacks don spells it sheeeeit
Jerry, I am a Medicare Specialist Licensed in multiple states. The best advise you can give your viewers is for them to contact their licensed agent, before they travel; and ask their agent the specifics of their plan when traveling outside of the USA. Original Medicare does not cover outside of the USA, that is why I advise my clients to enroll into Medicare Advantage Plans.
Thank you for your hard work, I love you and Laurie! Feel free to WhatsApp me if I can help you.
Great. Video... good information... BTW....do. U. Have. Private insurance. In MX...???
No Steve we do not carry private insurance because we do not qualify for it.
What about receiving Social Security in Mexico, and how to go about it? Thx
You can receive Social Security anywhere in the world with no problem what we do to deposit our Social Security checks in a bank in the United States and use our debit cards as we travel throughout other countries also in Mexico
We get travel insurance while traveling. If we had an emergency, could we submit to medicare back home?
You would submit all your bills to the travel agency company that you've used as an example when we had to use our travel insurance we submitted it to AGI travel insurance
Also you mentioned. San Antonio.. hospital? where? Texas? Mexico?
what? just a. heart? No answer?
WHAT IS THE NAME OF THAT PLANT,PLEASE,THANKS
Jerry, how is the trash pickup in Mexican cities? I've discovered this is a problem in places like areas of Costa Rica and Panama and Jamaica. This problem might have serious health problems although it apparently doesn't exist in the tourist areas.....
We get trash pickup twice a week.
Puebla
Garbage collection is included in your property taxes. In Guadalajara we had garbage collection multiple times a week. Garbage cans are not used though, you just put garbage bags out front. In cities houses often have an elevated metal cage at the sidewalk to place garbage in so animals don’t get into it before collection. Garbage collectors ring a bell as they come down the street so it’s often practical to just bring out the garbage directly to the truck. In smaller communities it is not uncommon for everyone to pile up garbage in a central collection location. This may be on the edge of town, but I have also seen piles right in a cute town plaza (including in Ajijic). This does get collected promptly, but still shocking to American senses. In rural areas I have encountered stinky informal/illegal dumps on the side of dirt roads. Conversely, affluent areas in cities are often cleaner and nicer than the US with an inconspicuous army of street sweepers keeping everything spotless.
Here in Lakeside we have a good trash service and actually we have a recycling center also,
@@jasonknoefler5059 That's great to know since its different than the case in areas of Panama City, Jamaica and Costa Rica, where it accumulates on sidewalks except in the tourist areas apparently. Besides the way people throw stuff out the car window! Do you live in Colonia Americana or Providencia? Is collection neglected in other areas in Guadalajara?
But does Medicare except out of the country bills.
Some places in Mexico for Emergency will take Medicare advantage but only for emergency.
Any hospitals in San Miguel de Allende take medicare advantage?
Excellent question but I do not have an answer for you. Maybe if you go onto a Facebook group in San Miguel you can get that answer.
accepts?
Temporary residence individuals can receive free healthcare in Mexico?
If you mean the temporary visa that's good for four years yes you can get free healthcare in Mexico
If you have legal residency Seguro Popular is cheap.
Correction Seguro Social is cheap.Seguro Popular was free but I was told that it is gone.
Does mexico recognize the USA snap program
I Don't know what that is
Can you go on vacation and see a doctor or get physical therapy?
Yes you can go see any doctors in Mexico but remember you're gonna have to pay cash out of pocket they will not accept other payments.
Can Gringos buy Mexican private health insurance?? What is the typical cost and coverage??
YES Health Insurance in Mexico for Foreigner
ua-cam.com/video/JaatYne3mR4/v-deo.html
FOOLISH trickery. Shame
Is Med Advantage accepted in Puerto Vallarta?
again, no answer? just a. heart?
If you have a plan that has international travel insurance that should work in any hospital (for emergencies only) anywhere in the world. You have to pick an optimal company and if you're an expat, you must lie to them, because this is travel insurance, not intended for people actually living abroad.
Hi Jerry! Suostei Lori, I hope you have healed up well and are back to dancing! Talk to an Insurance consultant beforehand and not a broker. Medicare Advantage plans are provided by private companies, they are not part of Medicare they are just approved by Medicare. The private companies/brokers push Medicare Advantage because they get a kickback. They purposely make their coverage confusing. Just do your homework and look into the disadvantages of signing up with a private company before purchasing a Medicare Advantage plan. BTW-Just a heads up. The government is looking into not allowing these private companies to use the term "Medicare" in their name because they are just approved and not affiliated with Medicare. That should tell you something. Bueno suerte!
David thank you for your comment I was thinking about that last fight you made about Medicare being in the name I think it should just read advantage insurance. I've heard some of the controversies around Karri and Medicare vantage I've been carrying it for 11 year and I haven't experienced any difficulty I have a PPO. I'm happy that this company down here at Lakeside medical has figured out a loophole and I've had had friends that have used the hospital and they only had to pay that $175 co-pay for the rest of us paid to them from their Medicare advantage.
Mexico accepting Medicare does not mean Medicare will approve such expenses!
Medicare advantage and yes you have to be registered with a hospital that does take it. I'm not talking about the regular Medicare they won't take that only the Medicare advantage.
you guys are cute :)
I'm so happy that Lori is back when I edit the videos and I see your smiling face I get so happy. Sounds like you get happy also. Thanks for your comments.
Medicare B?
Medicare advantage A and B is what you need if you're going to have an emergency charge traveling
@@JerryBrownTravels Thank you for your kind response.
I wish you would speak up or at least let me read your lips. I have hearing loss and it is not worth the work I have to do to hear what you are saying. Sometimes you get closer to the microphone, but most of your videos I have seen are just to much work. I think I unsubscribed for this reason, but this video caught my interest. Your presentations are interesting. But if I can't hear them.....
Jerry you may not be aware of it, but when you tell people that, in order to get coverage, what they should do is, if they reside in Mexico, to just tell the hospital/doctors that they reside in the US, you are aiding and abetting people to commit healthcare fraud. A felony and three possible counts of indictment--- insurance fraud, contractual violation, and making false statements. That is for the person who would do this, if they get found out. And of course for you here, the author of the video, aiding and abetting ... this is not a loophole that you have uncovered, this is an illegal way to get coverage.
When you do videos like this you may want to get them cleared by a lawyer. If i was you I would take down this video asap and edit out the part about lying in order to get coverage.
you are better off with Pacific Cross health insurance then a medicare advantage plane in Mexico!
A medicare advantage plan is not medicare it is private insurance.
I think that's what I said in the video about three times
Medicare advantage is more or less a scam . Google “ Medicare advantage scams” and you will understand
Most providers are under investigation.
Why? It all looks great on paper until you need authorization for s procedure. Then the wait for approval starts and can last many months
Don’t take it from me. Google it
accepts?