This book tells you what no other book can -- how to avoid the pitfalls and traps of Medicare for people who live outside the U.S. but want to maintain their Medicare coverage. It's also for those living in the U.S. who want to know more about the Medicare program. Ideal for full- or part-time expats, those still working, living in the U.S. and those not yet drawing Social Security. Based on actual expat experiences, this book tells it like it is about whether to sign up for Medicare at 65 if you live outside the U.S. and how to be able to use Medicare in the U.S. during visits or stays in the U.S. Did you know there is a way to get a waiver of consular notarization fees if you are applying for federal, state or local benefits and require notarization of documents outside the U.S.? This book will tell you how! This book covers the pros and cons of traditional Medicare vs. Medicare Advantage and explains: Medigap supplemental insurance, Selecting a Part D drug plan, Benefits for low-income beneficiaries, Premium surcharges for high-income beneficiaries, Enrollment periods, Penalties for late enrollment, Special enrollment periods, How to enroll or disenroll (including creating an online account), Paying Medicare premiums if no SS withholding, Medicare topics specific to expats, Various hypothetical expat scenarios, Summary of key information, Appendices that go into greater detail on topics, Sample calculations of Medicare payments and beneficiary out-of-pocket amounts, Sample letter to SSA requesting special enrollment period for expats, and Glossary of terms Avoid getting caught by "hospital outpatient" facility charges that can be thousands of dollars for an office visit that looks NOTHING like a hospital. Watch out for "hospital observation" status. Learn how to pick the best Medigap plan for you , and understand the differences in Medigap supplemental policies. You only have a limited period to sign up for a Medigap policy without medical underwriting - don't blow it.
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