Health insurance
Would like to travel in Mexico but there is a good chance we would need to use private hospitals and/or doctors while there. I'm a retired federal employee and can choose from several carriers, includ...
Forum Discussion
briansue wrote:
By coincidence my wife had to call APWUHP this morning so I got to ask a couple questions related to this thread. According to the rep we spoke with.......
If you are on Medicare you do not need pre-authorization from APWUHP for anything - wife needs new hip and APWUHP pays whatever Medicare doesn't pay - no pre-authorization.
If medical care is needed anywhere in the world you do not need pre-authorization - you send paperwork to APWUHP for 75% reimbursement. You do have to pay for the healthcare when you get it but you get some of it paid back later. I know of no plan in the US that will work directly with a foreign healthcare provider - they do reimburse though - not sure who does or doesn't reimburse.
There is a regular phone number to call APWUHP from Mexico if an 800 number does not work.
I am not promoting APWUHP. It is the one we have and it has worked well for us. They just raised the monthly to $406 for 2017 so not cheap. Maybe you get what you pay for - I don't really know. At one point we went over all the Fed plans and that was the one we though was best for us. Not saying it is best for anyone else. We pay an extra $35 a year to be members of APWU - required to get HP.
By the way - we lived in Puerto Rico for over 6 years and used our Fed APWUHP plan there just as though we were in one of the 50 states - since PR is part of the US technically speaking - sort of. As someone mentioned above - best to have a national plan than a local plan if you are a traveler as we are.
DO NOT take my word for anything - call to check and verify.
Not technically speaking or sort of. They are part of the United States and can vote and everything. Even pay income tax
