Herman Posted June 15, 2019 Report Share Posted June 15, 2019 What does everyone do when certain things on their medical plan are pre existing and will not cover?! Quote Link to comment Share on other sites More sharing options...
Kyle Posted June 15, 2019 Report Share Posted June 15, 2019 Pay out of pocket 1 Quote Link to comment Share on other sites More sharing options...
Herman Posted June 15, 2019 Author Report Share Posted June 15, 2019 5 minutes ago, Kyle said: Pay out of pocket Is it expensive? I’m afraid I could have a stroke or heart attack. Quote Link to comment Share on other sites More sharing options...
Kyle Posted June 15, 2019 Report Share Posted June 15, 2019 Cheaper than north of the boarder. But still can be costly Quote Link to comment Share on other sites More sharing options...
Jim Bowie Posted June 15, 2019 Report Share Posted June 15, 2019 24 minutes ago, Kyle said: Cheaper than north of the boarder. But still can be costly Not for most people over 65, with Medicare and an Advantage Plan. Basically no cost for us NOB. Quote Link to comment Share on other sites More sharing options...
pappysmarket Posted June 15, 2019 Report Share Posted June 15, 2019 35 minutes ago, Herman said: Is it expensive? I’m afraid I could have a stroke or heart attack. Hope your health stays fine and you don't have anything like that! For other readers this is a blunt warning. At some point in our lives we all become basically "uninsurable". For some that might not happen until 10 seconds before you step in front of the oncoming car. For most or many of us, it happens much sooner than our actual death. Diagnosis of cancer, very high blood pressure, stroke symptoms, etc. That's when no amount of premium will entice any insurer to write you a policy. Review your finances, including ability to pay premiums when you're still insurable and buy what you can afford. You don't want to be in Herman's shoes someday and thank you Herman for posting, it may help someone else. No, I'm not an insurance agent. 1 Quote Link to comment Share on other sites More sharing options...
Kyle Posted June 15, 2019 Report Share Posted June 15, 2019 He didn't say he had either of be of those and Meducare does not cover here on Mexican 1 Quote Link to comment Share on other sites More sharing options...
Kyle Posted June 15, 2019 Report Share Posted June 15, 2019 Medicare Advantage does not cover you if you live out of the country. The rate is determined by what state you live in. So if you live here you would be lying to get Medicare Advantage. 1 Quote Link to comment Share on other sites More sharing options...
RickS Posted June 15, 2019 Report Share Posted June 15, 2019 I can see another pi$$ing contest coming..... 1 1 Quote Link to comment Share on other sites More sharing options...
lakeside7 Posted June 15, 2019 Report Share Posted June 15, 2019 22 minutes ago, RickS said: I can see another pi$$ing contest coming..... Frankly I am wet already... 2 Quote Link to comment Share on other sites More sharing options...
AngusMactavish Posted June 15, 2019 Report Share Posted June 15, 2019 When I lived in the Rio Grande Valley of Texas and traveled Mexico extensively I had a Medicare Advantage plan with United Health Care. They assured me I was covered out of the US as long as I saw my primary doctor every six months. Remember that there is a difference between residence and domicile. https://www.differencebetween.com/difference-between-domicile-and-vs-residence/ Quote Link to comment Share on other sites More sharing options...
RickS Posted June 15, 2019 Report Share Posted June 15, 2019 The article says, ".... but if you are a US national, you have to pay income tax on income generated abroad." I did not think that this was true. Income generated on Mexican soil... I'm not talking about using the Internet while working for a US firm....is taxed by Mexico but not the US, no? Quote Link to comment Share on other sites More sharing options...
RickS Posted June 15, 2019 Report Share Posted June 15, 2019 42 minutes ago, AngusMactavish said: When I lived in the Rio Grande Valley of Texas and traveled Mexico extensively I had a Medicare Advantage plan with United Health Care. They assured me I was covered out of the US as long as I saw my primary doctor every six months. But I assume that if you saw a doctor SOB, you paid that doc out of pocket and were reimbursed by United HealthCare later back in the US when you filed a claim with them, no? Quote Link to comment Share on other sites More sharing options...
Bisbee Gal Posted June 15, 2019 Report Share Posted June 15, 2019 43 minutes ago, AngusMactavish said: When I lived in the Rio Grande Valley of Texas and traveled Mexico extensively I had a Medicare Advantage plan with United Health Care. They assured me I was covered out of the US as long as I saw my primary doctor every six months. Remember that there is a difference between residence and domicile. https://www.differencebetween.com/difference-between-domicile-and-vs-residence/ The first 3 words are the key. Some here do not live anywhere other than Mexico. Prior to Medicare, our US insurance covered us outside the US for emergencies regardless of the length of our absence. In 2009 we paid out of pocket here for an emergency and the insurance reimbursed us. Now under Medicare and a supplemental Medigap policy, we are covered by Medigap (not Medicare) for emergencies during the first 60 days we are outside the US (subject to deductibles and limits higher than our US coverage). 1 Quote Link to comment Share on other sites More sharing options...
AngusMactavish Posted June 15, 2019 Report Share Posted June 15, 2019 13 minutes ago, Bisbee Gal said: The first 3 words are the key. This was my key, "Remember that there is a difference between residence and domicile." My domicile is where I say it is and my residence is my present location. When I lived (residence) in Tamaulipas, my domicile was in Texas. Same deal, I had the Advantage Plan and had to go 200 miles for routine care. Urget care was covered by the Advantage Plan. I don't do it now because I never wish to return to the US, even in a box. Before you continue, please read the definitions in the provided link. Quote Link to comment Share on other sites More sharing options...
Herman Posted June 15, 2019 Author Report Share Posted June 15, 2019 6 hours ago, Kyle said: Pay out of pocket Is it expensive? I’m afraid I could have a stroke or heart attack. Quote Link to comment Share on other sites More sharing options...
Herman Posted June 15, 2019 Author Report Share Posted June 15, 2019 I’m 60. On a couple meds. Bp and cholesterol and pre diabetes. All 3 have been excluded from Mexican insurance. Do I still move to Mexico full time or cancel everything and return to work? Quote Link to comment Share on other sites More sharing options...
pappysmarket Posted June 15, 2019 Report Share Posted June 15, 2019 2 hours ago, RickS said: The article says, ".... but if you are a US national, you have to pay income tax on income generated abroad." I did not think that this was true. Income generated on Mexican soil... I'm not talking about using the Internet while working for a US firm....is taxed by Mexico but not the US, no? US citizens are taxed on "worldwide income". The reason some highly paid individuals renounce their citizenship. But it's getting harder to do that. Sr. Google is your friend. 1 Quote Link to comment Share on other sites More sharing options...
pappysmarket Posted June 15, 2019 Report Share Posted June 15, 2019 6 minutes ago, Herman said: I’m 60. On a couple meds. Bp and cholesterol and pre diabetes. All 3 have been excluded from Mexican insurance. Do I still move to Mexico full time or cancel everything and return to work? Walk on the wild side...move. Quote Link to comment Share on other sites More sharing options...
Bisbee Gal Posted June 15, 2019 Report Share Posted June 15, 2019 Maybe it's bad karma for cheating all those Walmart cashiers you bragged about. Quote Short changed twice at Walmart, count your change and look at your receipt Herman replied to sm1mex's topic in Ajijic/Chapala/Guadalajara I have gotten MORE change than I should have. Hundreds of pesos. I smile and walk away. June 6 Quote Quote On 6/6/2019 at 3:56 PM, FlyFree said: Are you proud of being dishonest? Quote Posted June 6 Herman Kinda. Hehehe Quote On 6/8/2019 at 3:30 AM, mudgirl said: I don't do that because the cashier has to account for missing money in the till when it doesn't jive with the receipts. They'll either have to pay it out of their own pocket or likely get fired. It could be argued that they should get fired if they can't pay attention to the job they're being paid to do, but I'd not like to think some woman with a family to support had to cough up 300 pesos that she mistakenly handed me. Quote Herman replied in Ajijic/Chapala/Guadalajara Best way to learn . 3 Quote Link to comment Share on other sites More sharing options...
RickS Posted June 15, 2019 Report Share Posted June 15, 2019 22 minutes ago, pappysmarket said: US citizens are taxed on "worldwide income". The reason some highly paid individuals renounce their citizenship. But it's getting harder to do that. Sr. Google is your friend. But I think that there are provisions for exclusions such as the 'Foreign Earned Income Exclusion' which allows you to decrease your taxable income on US expat taxes by the first $105,900 earned as a result of your labor ($103,900 for 2018) while a resident of a foreign country. And as far as being domiciled in Mexico there is the US-Mexico Tax Treaty to help relieve double taxation. .... and I had previously used Sr. Google to enlighten me on the subject. https://www.greenbacktaxservices.com/blog/form-2555-instructions-expats// Quote Link to comment Share on other sites More sharing options...
pappysmarket Posted June 15, 2019 Report Share Posted June 15, 2019 5 minutes ago, RickS said: But I think that there are provisions for exclusions such as the 'Foreign Earned Income Exclusion' which allows you to decrease your taxable income on US expat taxes by the first $105,900 earned as a result of your labor ($103,900 for 2018) while a resident of a foreign country. And as far as being domiciled in Mexico there is the US-Mexico Tax Treaty to help relieve double taxation. .... and I had previously used Sr. Google to enlighten me on the subject. https://www.greenbacktaxservices.com/blog/form-2555-instructions-expats// Well all income , worldwide, is taxable. What deductions, exemptions, etc. are available to a given taxpayer is a horse of another color. Best regards. 2 Quote Link to comment Share on other sites More sharing options...
Herman Posted June 16, 2019 Author Report Share Posted June 16, 2019 😉 Quote Link to comment Share on other sites More sharing options...
tomgates Posted June 16, 2019 Report Share Posted June 16, 2019 Herman, If you have those pre-existing conditions and have insurance in the US, you best stay there unless you have sufficient assets to pay out of pocket if a situation arises here. 4 Quote Link to comment Share on other sites More sharing options...
Lily H Posted June 16, 2019 Report Share Posted June 16, 2019 The proper health insurance research (plans, coverages, agents or reasons which to pick) should have been done online extensively way before the actual move. 3 1 Quote Link to comment Share on other sites More sharing options...
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