Ecuador Welcome Forum - obamacare

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remoore2001
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7/23/2013 15:18    
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Can someone please tell me how obamacare will affect us who live here full time but use a relatives address in the states for our banking tax returns and so on.I don't want a bunch of b/s on the merits or what you think might happen just facts and a source if you have one

bronco
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7/23/2013 18:49    
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There seems to be a lot of confusion on this subject, if it will be the same as medicare which you pay into but cannot receive benefits abroad. It appears that obamacare will be under a certain amount of control of the IRS . I suggest that you call or write to both SS and IRS. and just hope you get an answer.

withoutego
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7/23/2013 20:31    
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Ive heard of nothing new regarding expats re: the healthcare law. Expats get no care (outside the USA) but they are required to pay the taxes.

The good news is that health care is more affordable in Ecuador.

good luck on keeping this thread non political....

sin inferma

OceanHideaway
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7/23/2013 22:07    
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Just sent a request for information up to American Citizens Services at both the Guayaquil and Quito offices.

Let's see what the response is.

remoore2001
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7/23/2013 22:58    
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Thankyou,I've also sent an e mail to embassy in Quito

withoutego
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7/24/2013 04:30    
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A little bird tells me there is a way to opt out of the tax or some of it, giving up the healthcare or some of it. I think my take on all this is colored by my going back and forth. I still have digs up here in the north. I have til now maintained my status with medicare. If I was going to cut the ties to the mother country that would be one of them. But there is a financial disincentive for opting out then coming back..but I have not done that, I may but I am being cautious.

Interesting that the IRS is now involved, like it wasn't complicated enough without them. (political comment redacted here).

sin ego

mariapio
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7/24/2013 12:18    
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U.S. citizens living outside the U.S.
U.S. citizens living in a foreign country are not required to get health insurance coverage under the Affordable Care Act. If you're uninsured and living abroad, you don't have to pay the fee that other uninsured U.S. citizens may have to pay.
Here's the link and the info directly from the federal website: https://www.healthcare.gov/am-i-eligible-for-coverage-in-the-marketplace/

Generally, health insurance coverage in the Marketplace covers health care provided by doctors, hospitals, and medical services within the United States. If you're living abroad, it's important to know this before you consider buying Marketplace insurance.

Questions? Call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)

remoore2001
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7/24/2013 13:13    
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I checked the sight but it doesn't say how you prove you live outside the US if you still use a US address for taxes

relocating
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7/24/2013 16:02    
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You might provide them with your residential address and your U.S. mailing address. We just did that for SSA.
Karen
Relocationservicesecuador@gmail.com

OceanHideaway
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7/24/2013 19:04    
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Maria Pio wins today's gold star...

And here is the response from the ACS;

Thank you for your inquiry regarding the Patient Protection and Affordable Care Act.



Patient Protection and Affordable Care Act was signed into law on March 23, 2010 and some aspects of it are already enacted. The law affects U.S. medical coverage and insurance policies. The Patient Protection and Affordable Care Act does not affect the Ecuadorean health care system, nor Ecuadorean medical insurance policies.



For U.S. citizens and residents who are in the United States, open enrollment will begin for the Health Insurance Marketplace on October 1, 2013. The Health Insurance Marketplace is a program allowing you to locate health care provided by doctors and hospitals inside the United States.



U.S. citizens who do not reside in the United States are not required to have medical insurance under the Affordable Care Act. If you are uninsured and living abroad, you also do not have to pay the fee that other uninsured U.S. citizens may be required to pay.



For further information, you may wish to consult:

https://www.healthcare.gov/



Kind regards,



American Citizen Services
U.S. Consulate General
9 de Octubre y GarcĂ­a Moreno
Guayaquil, Ecuador


This email is UNCLASSIFIED.

mappam
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7/25/2013 11:14    
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This is directed to folks that were using medicare in USA - and are now residence of EC.

Did you give up medicare and get some sort of "international insurance" or EC insurance?

I get $755.00 (single without husband's SS) and if I take out the Medicare I will have about $900.00 - enough to qualify as a single.

If hubby gives up his medicare then (combined) we can live VERY WELL in EC!

The whole insurance thing confusses me LOL!

THANKS for any links or info!

hroygentry
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7/25/2013 13:03    
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This coming from a retired Ins. Professional , unless you have a lot of problems where you have to go to a Doc. a lot every month you might want to find a mag. med. plan with a very high ded. and use the Docs. in EC., a specialist is only $15. 00 a visit and the clinics are $10.00 , you should use your Mag. Med. for Major problems only. Plus most meds. are very cheap , I bought a years worth of HBP meds. for $30.00

OceanHideaway
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7/25/2013 17:48    
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You cannot use your part B in Ecuador but it is hard to sign out of it once signed in, especially from a foreign country, so sign out ahead of time. That being said if you return to the usa it will be a few months before it will reactivate and you do need to sign back in.

In Ecuador there are some medical insurance plans that will cover you and pay out. depending on where you settle the plan choices available would be different.

sischauf
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7/25/2013 18:56    
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I have Mail Handlers Benefit Plan (MHBP) through the Federal Government Plan. I was surprised to find out that I have the same coverage in Ecuador that I have in the U.S. I pay first; then I have to have everything translated into English and submit a claim for re-imbursement. I was advised that many people decrease their coverage to the lower plan because everything is so much more affordable in EC.

Also, for those who have purchased Medicare B; MHBP re-imburses $104 back to you if you have the higher option (Standard Option).

casadecuenca
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7/25/2013 19:05    
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Part B is Medicare and is not part of Obamacare. Once your are eligible, you will be covered for doctor's visits in the US but not in other countries. If you move to another country and want to terminate your Part B benefits, all you have to do is sign a form at Social Security in person just before you leave and the part B premiums will no longer be decucted from your Social Security. If you move back into the US and want to re-enroll in Medicare Part B, you will have to pay a penalty for every month you were out of the program. That penalty when I opted out in 2011 was about $5.50 per month or $63 per year.

casadecuenca
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7/25/2013 19:18    
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It all depends on your age, if you are a Medicare recipient Obamacare has no effect at all. I opted out of Medicare Part B the month before I made the final move to Ecuador in 2012 and the only difference is my SS check is about $100 a month higher.

If you are not yet of Medicare age then you need to find out how Obamacare affects you, but my opinion is you will not be eligible and are better off getting health insurance in Ecuador.

I chose to be self insured and between the Part B and the Medicare supplement I no longer have, I am saving about $4000 per year. That will buy a hell of a lot of medical care in Ecuador.

All times are ET.  


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