kimanjome Posted January 16, 2019 Report Share Posted January 16, 2019 I do not have Medicare so I don't understand anything about it. Calls to Medicare in the USA tell me one thing, while the Plan agents tell me another. I am SO confused! Every month my husband pays for Medicare Plan B. Correct me if I am wrong, but this monthly payment is for "Insurance" and it covers such things as office visits, lab tests, outpatient, annual exams, etc. It doesn't cover the charges 100%, but 80%. Meaning, if my husband goes for an annual wellness exam and the doctor's fee (dictated by Medicare) is $100, then my husband pays $20. If the doctor tells my husband he needs a full blood panel done $1,000, then my husband pays $200. Is this true? And, is there NO CAP to out-of-pocket contributions? If my husband needed a $1,000,000- operation then he would be on-the-hook for $200,000 of it--is that right? The Medicare agents with whom I spoke said my husband can also opt to join a Plan, since his monthly Part B contribution allows him to do so. However, every plan I have looked at or spoken with a rep says you have to reside in the US at least 6 months of the year. How do those of you here as residents have a Plan NOB? Use a family address? Thanks for all the help and advice. Quote Link to comment Share on other sites More sharing options...
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