Healthcare for U S Citizens

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Healthcare for U S Citizens


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Old 27th August 2015, 01:26 PM
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Default Healthcare for U S Citizens

My husband (an American) and I (dual citizen) are planning on living in the Philippines 9 months and 3 months in the U S. We're planning on keeping our insurance in the U S. However, what do we do insurance-wise when we're in the Philippines? My husband has some sort of liver issues which he has to have medication and I am Type 2 diabetic. We're planning on moving by year end.

Thank you for your response.

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Old 27th August 2015, 07:22 PM
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My wife and I have used Cigna expat. health insurance. It is suited for your situation because you will be returning to the States after 9 months and most expat policies are term policies, and so by their nature not designed as permanent insurance vehicles. They typically work anywhere in the world but your home country. My wife and I pay about $300/month for good coverage. (for both of us.) As long as there is a lapse in coverage for a couple months you can renew for another term. I used another one that I liked better but I cant recall the name. If I can come up with it I will post again. After age 60 things get tricky, and expensive. Cheers.
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Old 28th August 2015, 01:43 AM
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If you,with dual citizenship are over 60, you can avail yourself to the Senior Citizen Card. This will enable you to enroll and use PhilHealth at no cost and enroll your Husband as a dependent, also at no cost. That is how my Wife (Filipina) and I (American, on Balikbayan status) handle it here. PhilHealth does cover quite a bit of stuff and along with the Senior Citizen Discount does amount to quite a bit for her care, I do not receive the Senior Citizen Discount as I am not a Citizen of the Philippines. As an enrolled dependent, I can make use of the PhilHealth if I should ever have the need, as I understand it. So far I have not had the need so have not been able to test as to how well it works for me. It does work very well for my Wife as evidenced by a recent hospitalization of her for a High Blood Pressure Spike. The charges (including the Drs & Meds) was reduced to 1/3 of the original charges. She is 65 years & I am 76 Years old.

Fred

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Old 28th August 2015, 01:49 AM
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Thank you Fred. Your response makes me feel better. But, how does one get a Senior Citizen Card and how much does it cost? One thing I didn't mention, even though I have dual citizenship, I only carry a U S Passport. Do I need to also get a Philippine passport?

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Old 28th August 2015, 02:07 AM
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When we moved here last year, she just went to the Local Barangay Office and inquired, they directed her to and she went to the nearest Senior Citizen Office and they issued her a card(she did have to furnish the 1X1 pic to be put on the card) but there was no charge. I don't know about the Passport question as my Wife still uses her Philippine Passport. You will also have to go the local PhilHealth office and do the enrollment after you get the Senior Card. Make sure you always have a copy of your Marriage Certificate with you as it seems to be asked for frequently.

Fred
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Last edited by fmartin_gila; 28th August 2015 at 02:13 AM.
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Old 28th August 2015, 02:44 AM
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Like you, I have dual citizenship, my husband is also American and we are both retirees. I will PM you - or please feel free to send me a message. Re Philhealth, you will be a member for life - without paying any premiums whatsoever. Your husband would be your dependent. Senior's card entitles you to 20% discount on restaurants. Many other discounts - it's fun. No, you do not need a Philippine passport. Where did you get married? Where will be your address?
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Last edited by esv1226; 28th August 2015 at 02:50 AM. Reason: Additional info
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Old 28th August 2015, 05:16 AM
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Thank you. Good to know. My husband and I got married in Carmel, CA over 30 years ago. I don't have an address there yet coz I haven't figured out where to live yet. I've been far away from my relatives for so long that I think I'd like to stay in the same island. So, I'm thinking of possibly living in Laguna, tagaytay, Cavite, or quezon. I'd like to rent for a year first until I know where it suits me.

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Old 28th August 2015, 06:11 AM
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From experience, with a copy of our marriage certificate we both get the one year Balikbayan (BB) stamp/stay. We have had no problems so far. We exit and enter the country together before the BB expires.
But to apply for a permanent residence visa for your husband, immigration requires your marriage document authenticated by the Philippine Embassy. It is easier to get this done there than here. Dealing with immigration is quite challenging for many.
But if your marriage was reported to the Philippine Consulate, the NSO (Natl Statistics Office) would have a record - then you have no problems.
I wish I had this information before coming home.
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Old 28th August 2015, 10:51 AM
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Default Non-Quota 13a Visa

Quote:
Originally Posted by Nannetteph View Post
Thank you Fred. Your response makes me feel better. But, how does one get a Senior Citizen Card and how much does it cost? One thing I didn't mention, even though I have dual citizenship, I only carry a U S Passport. Do I need to also get a Philippine passport?
The husband could get his Non-Quota 13a Visa completed stateside in as little as two months or less and worth the effort, if your not located near a Philippine Consulate that handles your state, you can do everything through the mail system stateside, I know this because that's how I got my Immigrant card. Here's some short cuts to help find the Philippine Consulate that handles your state and the second short cut is the paper work that I completed, it's for Chicago so it has Chicago headers but if browse through you'll also see some of the requirements.

Embassy of the Philippines - Consulate Finder Map

I don't know if this document is up to date but it's still loading from the Chicago Philippine Consulate, depending on where you live, it will dictate which Philippine Consulate will handle your state of Atlanta Georgia so it looks like you'll be dealing with Washington DC, I have some phone numbers and email contacts somewhere, I posted this too fast.

http://www.chicagopcg.com/forms/newimmigrantform.pdf

Okay here's the contact info for the Philippine Consulate in Washington DC, check with them because you'll have to use their forms with different headers, lol... unfortunately the 5 Philippine Consulates stateside aren't so standardized so the forms are similar but some are different.

http://www.philippinesusa.info/phili...contact-us-dc/

Nothing worse than retiring and then messing back and forth with Immigration in Manila, what a chore and nightmare if your missing forms best to get it done stateside.
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Last edited by M.C.A.; 28th August 2015 at 10:59 AM.
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Old 28th August 2015, 01:10 PM
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Wow! Is this true that to apply for Visa, the fees as follows: $1,400 application fee, $360 annually, proof of $50,000 liquidity, etc. some ridiculous requirements.

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