U S Medicare Cancellation

Thanks for posting this Michael, because I have the same questions as well—I'm eager to hear what respondents say.

Maybe this will help answer that:

https://www.medicare.gov/basics/get-sta … t-a-part-b

@Michael McProuty

As a non-American I know very little about US healthcare - other than it's really, really expensive!

I've always assumed Medicare was the equivalent of a UK or European public-funded health system... but only for old folks (i.e. over 65). But taking a look at Medicare website I'm really shocked by how expensive this retiree cover is.

So I think a big issue about retaining your Medicare coverage while living abroad will be down to how much (if anything) you have to pay, and whether you intend to return to the USA. Medicare doesn't cover treatment abroad, and flying back to USA while sick/injured is typically not very practical.

Even if you take a break, you can re-enroll... and the only downside to this is that there's an annual re-enrollment period (Dec-Mar), so I guess you merely need to plan ahead a bit.

If you don't have to pay anything, then no big deal keeping it in effect. If you pay monthly premiums, this looks like a potentially big cost.

Part A is premium-free for some folks. Some pay $278 or $506 PER MONTH!

Part B is $174.70 PER MONTH!

Both aspects are subject to significant deductibles and co-pays. It should be noted that co-pays for expensive health treatment can still work out to be thousands of dollars.

I'm a legal resident of Spain, Cyprus, and Bulgaria. I like Spain very much, and we have a super apartment in Alicante, but I spend most of my time in Bulgaria. So I have a Bulgarian driving license, and I'm enrolled in the Bulgarian national health system. Bulgaria issues me with an EHIC which covers me for public treatment in any other EU country, including Cyprus and Spain. I could enroll in the Spain system instead, and it would be a little more expensive.

My monthly premium (actually a social security contribution, in my case as "unemployed") is $16 per month (or $192 per year). Issuing the EHIC is free (but I have to go in and ask for it).

There is no age limit (i.e. it's not just for old/retired folks).

There is ZERO deductible.

There are NO exclusions based on your increasing age or prior medical history.

All treatment, operations, prosthetics, and medication is free or nearly free. Any co-pay is minimal. And the cost of treatment is far less than the equivalent in the USA, so any co-pay is unlikely to cause any significant dent to in your wallet.

The Bulgarian system is very interesting as (most) private hospitals are affiliated with the public system, and get a standardized reimbursement according to the specific treatment or operation that they provide. In effect, this means I can get public treatment for a teeny co-pay, or I can have fully private treatment with 20% co-pay. It's an amazing deal, and so far I've only used private hospitals.

Spain doesn't work like this, the private and public options are (as you'd expect) separate.

I've briefly held private health insurance policies in Spain and Cyprus and Bulgaria. Bulgaria was the cheapest (less than $1k per year), Spain the next (less than $2,000 per year), and Cyprus was a bit more expensive than that. Spain public hospitals are pretty good, I certainly don't feel that I NEED to have a Spanish private policy.

In other words, I strongly encourage any American relocating to Spain (or anywhere in the EU) to treat enrollment in your local public health system as a matter of urgency. And get yourself an EHIC and register with your local GP. You will, most likely, be shocked by how cheap and how good public healthcare is in the EU.

Spanish healthcare is not free. You pay for it in taxes. My Spanish tax burden including VAT far outweighs my previous Medicare costs. In addition patients in Spain are numbers only not people.

To access Spanish public healthcare you must be contributing, that is, working.

If you come from abroad, no matter which country, to reside for more than 90 days you must process your papers, request the NIE and provide, among other documents, private medical insurance if you do not work.

This is indicated in the immigration regulations.

    Spanish healthcare is not free. You pay for it in taxes. My Spanish tax burden including VAT far outweighs my previous Medicare costs.        -@ronjonesnc

That's true of any country with pension and healthcare provision, no? (Or even roads?) Presumably, in the USA you would also have paid income tax, social security, and perhaps sales tax on your purchases. But, of course, I take your point that very little in the way of government-provided services are truly free. However, that's not a very helpful perspective when discussing whether something (such as healthcare or a highway) is free at the point of usage.

Possibly, you personally had lower total costs in the USA (income tax, social security, health insurance, living costs) than in Spain, but it seems rather unlikely. Actually, I recall you posting elsewhere and saying that you paid no Spanish tax at all! :-) So perhaps your comment is a little unfair, if that's the case.

I'm very happy to have left my life in the USA behind, and I have no intention of returning. I have a far better quality of life here in Europe with better healthcare and a lower cost of living. Indeed, I would say that our properties and our lifestyle would be far, far, beyond our reach if we were trying to replicate it over there. But that's just my personal experience, perhaps you find life in Spain more expensive or less appealing than the USA.