Dealing with Medicare as an expat: When and how to enroll
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Dealing with Medicare as an expat: When and how to enroll

The right strategy will help clients avoid penalties that can last a lifetime

Jul 22, 2015 @ 10:48 am
By Katy Votava for InvestmentNews

More and more Americans are living abroad for extended periods of time. People may either be employed or retired in a foreign country as they approach Medicare eligibility and beyond. To preserve access to Medicare benefits without costly delays and penalties when returning to the U.S. for short- or long-term stays, expats — whether working or retired — need to keep a few critical issues in mind.

The general rules of Medicare eligibility, enrollment periods and penalty rules apply regardless if a person resides in the United States or a foreign land. People need to enroll in Medicare on a timely basis unless they qualify for a future special enrollment period, regardless of where they are. If they do not apply for Medicare on a timely basis and are not eligible for an SEP they will have to wait to apply during the Medicare general enrollment period from Jan. 1 through March 31 of each year, with coverage beginning July 1 of that year. The consequence is that their access to Medicare coverage will be postponed for a period of months during which time they will have to pay for health care in full as well as pay lifelong penalties.
The easiest way to figure out how to help your expatriate clients is by examining the impact on Medicare Parts A, B and D individually.

Medicare Part A (hospital, limited home care, rehabilitation and hospice)

People need to enroll in Medicare Part A during their initial enrollment period, which is the seven months around their 65th birth month. (The three months before and the three months after.) There is no fee for Medicare Part A for the majority of enrollees. Therefore, most expats should sign up for Part A whether they’re living aboard or not and avoid late enrollment issues down the road. Their next opportunity to join is during the GEP.

Medicare B (outpatient services)

Individuals also need to enroll in Medicare Part B during their IEP unless they are SEP eligible. Medicare Part B requires an annual income-related premium of $1,260-$4,030 per person or $2,520-$8,060 per couple. It is important to determine if your clients are SEP-eligible and can forgo Part B coverage and cost to a future date. The two major to criteria that allow for a delay or discontinuation of Part B while abroad are:

Health coverage from an employer, an employed spouse or National Health Service that is primary to Medicare.

The Part B SEP can be used at any time during those coverages and up to eight months after the employee stops working or health coverage ends.

Volunteering internationally for a tax-exempt nonprofit organization that offers health cover.

The volunteer period has to last at least 12 months and there is a six-month Medicare SEP when volunteer work stops, or health insurance ends, whichever is earlier.

If your client delays joining Medicare Part B until returning to the U.S. without SEP eligibility, they will pay a 10% per year penalty for every year without Part B coverage. That penalty can be costly and is paid in perpetuity on top of regular premiums.

Medicare Part D (prescription drugs)

Medicare Part D is only available while residing in the U.S. Individuals can join Medicare Part D or a Medicare Part C plan that includes prescription drug coverage under SEP rules within two months of returning to the States. If they do not, they will pay a lifelong penalty of 1% per month of the premium amount for every month they were eligible for prescription drug coverage and did not enroll.

It is easy to shop and apply for Part C or D coverage via www.medicare.gov. I recommend that folks do that in advance of returning to the U.S. to avoid coverage lapses and limit unnecessary out-of-pocket costs. Part C or D coverage is month-to-month, does not require a long-term commitment and can be canceled when the person goes abroad in the future.

RETIRED MILITARY

When military retirees and spouses reach 65, they are entitled to “Tricare for Life” medical coverage. Medicare Parts A and B enrollment are required. Medicare Part D is not. An additional bonus of Tricare for Life is coverage of international health care services. Additional information can be found on www.tricare.mil/tfl.

Other coverage abroad.

Other than Tricare for Life, with rare exception, people cannot use Medicare Parts A and B outside of the U.S., so I urge folks to evaluate other types of health coverage while living abroad.
If your clients plan to move back to the U.S. one day or will travel back frequently, they need to think carefully about what parts of and when to enroll in Medicare. People can contact the Social Security Administration and Medicare to discuss their options. For those already living abroad, they can consult the Federal Benefits Unit of the U.S. Embassy or consulate where they live for personalized advice. The staff in those units have direct access to Social Security files, Medicare eligibility information and can process enrollment forms. In certain circumstance beneficiaries are able to enroll in the various Medicare parts online as well.

Be sure to suggest to your clients that they include Medicare in their research and thinking about living abroad. That way they will enjoy the international lifestyle and have coverage that works for them when and where they need it.


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Я не согласен с таким исходом, хоть может чего и знаю, но Телетрейд был хороший конкурент многим компаниям. Онлайн обучение прошло здоровски. Получилось информативно и без проблемно. Редчайший случай, когда в начале и уже всё нравится. Идеальное было время в Телетрейд. Все главные ноу-хау увидел и испытал в практике. Каждая встреча на семинарах, просто взрывала мозг, давала такую бурю эмоций, что удержать себя на торгах порой было сложно. Конечно, отдельный плюс тех.поддержке, они работали и толковали с умом. Любой вопрос решали, а главное таких страшилок с которыми трейдеры встречаются сейчас практически не было. Ни одного промаха, брокер всегда вёл прозрачную работу. Убежден, кто торговал с Телетрейд, тот знает толк в форексе. Найти нового и заменить на лучшего уже не получиться. Всё мимо на сегодняшний день, а вот Телетрейд и прибыль заработанную у него вспоминаю с удовольствием. Открыл для себя здесь цфд контракты. Использую скальпинговую стратегию. Работа идет как надо, на контрактах пока вообще без проскальзываний и реквот обхожусь. В общем, исполнение без нареканий. Когда с другими инструментами работал, терминал тоже не подводил, хотя на валютах проскальзывания случались. Вообще хорошо, что тут инструментарий богатый. Теже контракты не везде есть, а тут у мня это основа торговли. Давно познакомилася с ними, около 6 лет назад. Тогда только начинала трейдить и как раз пошла к ним поучиться. Ребята дело знали, на демо счете все пошло как надо, но вот счет открыла тогда в другой компании, так как минималка у них была два куска, а у меня столько тогда не было. Но заработала и перешла в Телетрейд. Здесь терминал по ощущениям понадежнее будет да и инструментов много, есть из чего выбрать. Стабильный и простой на мой взгляд брокер. Не увидел я здесь особых проблем. Уверен, что с таким исполнением ордеров и закрытием сделок вопросов к конторе просто нет. Молодцы, всегда на уровне. Курсы прошел, на демке застрял. Я реально стриманулся, а как-то так говорили легко, а тут такой абзац. Пока тренеруюсь и не считаю это подработкой, видать если хочешь заработать, то и здесь пахать надо. Торговал в Телетрейд с 2007 года и для меня это был самый проверенный брокер, но при этом самый дорогой на старте. Как и любой компании имеются слабые и сильные стороны, но по оснащению всегда превосходил других, очень быстро внедрялся и совершенствовал свой сервис. Вывод был обычным и задержки были, но при любом раскладе всё отдавали, поэтому вспоминаю его с хорошей стороныНичего не изменилось, а жаль. Думал,что вопрос по Телетрейду решится быстро, но увы это не так. Очень долго молчал, читал все коменты и очень шокирован таким количеством недовольных клиентов. Популяция негатива стала расти после отзыва лицензии, поэтому имею предположение, что если бы брокер был действующий, то опровергнуть многую информацию можно было по факту деятельности Телетрейд. Свои обязательства по выоду средств они выполнили полностью, всё перечислено было на счет и принесены извинения с возникшими неудобствами. А кому вообще еще слабо так? Много копий ломается насчет надежности форекс компаний и инвестирования с их помощью. Расскажу о своем опыте вложения в Телетрейд. Но сначала о том, можно ли доверять или нет. Считаю, если компания более 10 лет на рынке, то можно. Если бы брокера создавали только для слива депозитов, он бы и сам давно слился. А эти больше двух десятков лет работают. Но это не значит, что нет сложностей. И природа этих сложностей в том, что форекс все время меняется, предсказать не так и просто. Так что лучшая стратегия – следить за трейдерами, находить лучших и распределять инвестиции между ними. Но у них бывают черные полосы. Поэтому важно изучить манименеджмент и следить как торгуют. Если что, менять на другого. Имел три счета в разных компаниях и постоянно проводил между ними параллель. Все одинаково работают и Телетрейд не исключение, на своем опыте любые торговые условия можно повернуть в плюс, а если брокер еще и без проблем выводит, так в этом и есть суть работы хорошей компании. С Телетрейд всегда всё было четко, очень многому у его научился. Телетрейд всегда отличался постоянством и прозрачностью. Никому не в укор, но он достойно шпигалял не один десяток лет. У меня брат с ним торговал и я именно с этого брокера начинал и всё было отлично. Нельзя описать работу компании, всё лучшее можно только ощутить самому на практике. Обязательства перед своим клиентом, т.е. мной выполнены полностью. Не одной отложки, в исполении радует, вот по делу отличная контора. Сам рад и за других радуюсь у кого сложились отношения с этим брокером. Настроить успешную торговлю получилось с первого раза. Не обнаружил здесь ни каких преград и заковырок, у них есть для этого хорошие условия и инструменты. Хороший замес, всё на уровне «хорошего трудяги». Удобный сервис, хороший персонал, доход идет на вывод без трудностей и проблем. Бери и торгуй, если условия подходят, как мне. Любую спорную ситуацию решаю. Может кто и умеет торговать без проблем, но у меня так не получается, благо что поддержка здесь не фейковая и в силах оказать помощь своим клиентам. Личный кабинет достаточно функциональный и удобный, всё крутится вокруг него, поэтому в его работе отсутствие проблем хороший знак, что брокер качественный. Брокер, содержательный по сути. Конструктивный подход к каждому уже заметен с первых минут знакомства с ним, а содержательные и общедоступные курсы дают возможность ознакомиться с этой компанией поближе и узнать её изнутри. В период сотрудничества с ним голову долго не ломал, просто действовал по обстоятельствам, поэтому торговал без особых убытков. Излишние слова не нужны, просто зайдите на платформу МТ и протестите и сами всё поймёте. Платформа просто бомба! Хотелось бы вернуть пятерку лет назад. 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