Just for info....We were on a Celebrity cruise in November with 4 other people. All of us had the cruise line insurance. One woman in the group fell on the "step-up" into the bathroom and had to have stitches. Apparently since it was an accident on the ship, there was no bill at the end of the cruise.
However, another friend had a concern that he thought could be heart related so he went to the Med Ctr and spent about 3 hours there. His bill was over $600. He was required to submit through the cruise insurance, which requires he send everything to Medicare first, and then to his supplement. He was told Medicare could take up to 6 weeks to complete their review. Then he'll submit his claim to BC/BS before the cruise insurance pays. It's a lengthy process.