NCL Spirit retrofitted

[Travel Junkie Judy]

4 hours ago, ChiefMateJRK said:

Your post suggested that your "Medicare" did not cover 100%.   That's why I asked if it was Medicare Advantage or basic Medicare Part B.  Many Medicare Advantage plans only provide emergency coverage when outside your own state. I believe it is the insurance company who decides what is an "emergency," and only when they receive the claim.  I don't like insurance companies.

 

I don't believe that any Medicare plans cover medical expenses outside of the US.  Perhaps some high-end Medigap policies do.

 

4 hours ago, ChiefMateJRK said:

Your post suggested that your "Medicare" did not cover 100%.   That's why I asked if it was Medicare Advantage or basic Medicare Part B.  Many Medicare Advantage plans only provide emergency coverage when outside your own state. I believe it is the insurance company who decides what is an "emergency," and only when they receive the claim.  I don't like insurance companies.

 

I don't believe that any Medicare plans cover medical expenses outside of the US.  Perhaps some high-end Medigap policies do.

 

My Medicare Advantage (United Health Care) covers all expenses outside of the US - less my deductible.  If it is at an emergency clinic, I pay only $65.  If I am admitted to a hospital, I pay my $500 deductible.  This is not an expensive plan.  It is quite reasonable.  It is my only health insurance, though I do have the Allianz Travel Insurance, which covers whatever my United Health Care doesn't - as long as the trip is 90 days or less.

[Travel Junkie Judy]

6 hours ago, tomk3212 said:

Hmmmm...in light of this I wonder if I should try them now for this claim?  It's been 3 years but ya never know...

 

For NCL we had to wait till July to get the $$ we paid back but they paid it back completely.  They offered a FCC for 125% of what we paid but we decided to 'take the money & run'...lol

 

For AA (American Airlines) I got a call from them in mid-May right after our return flight from Rome was 'officially' cancelled by them asking if I wanted the $$ back or a credit towards a future flight on AA.  Naturally we took the money and ran...again.

 

So Kudos to NCL & AA & a BIG Bronx cheer to Allianz!

 

Allianz gives you 90 days to file a claim, so I don't think the 3 years would work.....just sayin' 🤣

[Travel Junkie Judy]

7 hours ago, ChiefMateJRK said:

Out of state but still in the US or out of the country?

Is this a Medicare Advantage plan?  I believe that basic Medicare is equally valid in all 50 states.

 

5 hours ago, ChiefMateJRK said:

Your post suggested that your "Medicare" did not cover 100%.   That's why I asked if it was Medicare Advantage or basic Medicare Part B.  Many Medicare Advantage plans only provide emergency coverage when outside your own state. I believe it is the insurance company who decides what is an "emergency," and only when they receive the claim.  I don't like insurance companies.

 

I don't believe that any Medicare plans cover medical expenses outside of the US.  Perhaps some high-end Medigap policies do.

 

6 hours ago, tomk3212 said:

Hmmmm...in light of this I wonder if I should try them now for this claim?  It's been 3 years but ya never know...

 

For NCL we had to wait till July to get the $$ we paid back but they paid it back completely.  They offered a FCC for 125% of what we paid but we decided to 'take the money & run'...lol

 

For AA (American Airlines) I got a call from them in mid-May right after our return flight from Rome was 'officially' cancelled by them asking if I wanted the $$ back or a credit towards a future flight on AA.  Naturally we took the money and ran...again.

 

So Kudos to NCL & AA & a BIG Bronx cheer to Allianz!

 

Allianz gives you 90 days to file a claim after your incident.  Don't think the 3 years old claim would work...just sayin'.........🤣😂

[ChiefMateJRK]

14 hours ago, Travel Junkie Judy said:

 

 

My Medicare Advantage (United Health Care) covers all expenses outside of the US - less my deductible.  If it is at an emergency clinic, I pay only $65.  If I am admitted to a hospital, I pay my $500 deductible.  This is not an expensive plan.  It is quite reasonable.  It is my only health insurance, though I do have the Allianz Travel Insurance, which covers whatever my United Health Care doesn't - as long as the trip is 90 days or less.

Thanks for the explanation.