roysue Posted April 24, 2023 #1 Share Posted April 24, 2023 My husband was seen in the medical clinic for a sinus infection on the Regal.. We need a copy of his medical record to file with our travel insurance for reimbursement. Save yourself a headache and get the medical record while on board. There is a fee to get them on board, but it will save you a lot of trouble. Requesting them on line is a big hassle (at least it was for me). If you have any specific questions, just let me know. 7 Link to comment Share on other sites More sharing options...
voljeep Posted April 24, 2023 #2 Share Posted April 24, 2023 17 minutes ago, roysue said: My husband was seen in the medical clinic for a sinus infection on the Regal.. We need a copy of his medical record to file with our travel insurance for reimbursement. Save yourself a headache and get the medical record while on board. There is a fee to get them on board, but it will save you a lot of trouble. Requesting them on line is a big hassle (at least it was for me). If you have any specific questions, just let me know. also request a copy of your on board folio - showing the charge to your cabin, and that it has been paid in full ... been there, done that. Get a paper copy while on board, don't wait for the email ... 3 Link to comment Share on other sites More sharing options...
1emerald1 Posted April 24, 2023 #3 Share Posted April 24, 2023 And another reason to get it while onboard is that my medical report was incorrect. When I got it online the doctor/nurse who filled it out was no longer on the ship. 1 Link to comment Share on other sites More sharing options...
roysue Posted April 24, 2023 Author #4 Share Posted April 24, 2023 These are really good additions. Thanks everybody! Link to comment Share on other sites More sharing options...
mbglib Posted April 24, 2023 #5 Share Posted April 24, 2023 Thank you for the information. Link to comment Share on other sites More sharing options...
memoak Posted April 24, 2023 #6 Share Posted April 24, 2023 2 hours ago, voljeep said: also request a copy of your on board folio - showing the charge to your cabin, and that it has been paid in full ... been there, done that. Get a paper copy while on board, don't wait for the email ... Yes you have to show the bill was paid for any insurance to pay. I have used it for Covid snd broken ribs and had it covered by my Medicare advantage plan Link to comment Share on other sites More sharing options...
Bobkat120 Posted April 24, 2023 #7 Share Posted April 24, 2023 Submitted a claim for the med center on the royal they advised us we had to submit to Medicare and our suplemental insurance first. We had submitted all the correct forms which we had before leaving the ship. This took 4 months going thru all 3 insurances before we were reimbursed. Link to comment Share on other sites More sharing options...
mevs904 Posted April 25, 2023 #8 Share Posted April 25, 2023 This is interesting. I thought that Medicare Advantage didn’t cover claims outside of the country. We’re these international cruises? 1 Link to comment Share on other sites More sharing options...
trvlwrld Posted April 25, 2023 #9 Share Posted April 25, 2023 Medicare plan F covers international travel, but you need all medical reports and your ship folio to submit claims Link to comment Share on other sites More sharing options...
VibeGuy Posted April 25, 2023 #10 Share Posted April 25, 2023 Medicare A+B covers nothing internationally. Some Medigap policies add international coverage. But many, if not most, Medicare Advantage plans provide urgent and emergent coverage worldwide. 1 Link to comment Share on other sites More sharing options...
trvlwrld Posted April 25, 2023 #11 Share Posted April 25, 2023 We have Medicare A + B…under those you chose which specific plan you wanted when you initially signed up …plan F covers international…thank goodness our plan advisor knew what he was doing…we used it for reimbursement…the additional monthly $35 is a bargain compared to over $18,000 in med expenses 1 Link to comment Share on other sites More sharing options...
voljeep Posted April 25, 2023 #12 Share Posted April 25, 2023 9 minutes ago, trvlwrld said: We have Medicare A + B…under those you chose which specific plan you wanted when you initially signed up …plan F covers international…thank goodness our plan advisor knew what he was doing…we used it for reimbursement…the additional monthly $35 is a bargain compared to over $18,000 in med expenses Our 'no-cost' Medicare Advantage plan covered all costs on board, about $1,200 (except the medical records copy fee) when I passed out on the deck of the REGAL while docked in Grand Turk. My thru Princess AON coverage picked up the deductible portion on my ER, Primary, and Cardiologist after visits My total out-of-pocket costs was the $28 records fee And remember to be aware - your medical fees on board are charged to your folio and must be settled upon departure from the ship. Hopefully, they can make 'arrangements' for extreme on board costs. 2 Link to comment Share on other sites More sharing options...
GonzoWCS Posted April 25, 2023 #13 Share Posted April 25, 2023 Great information here. Thanks Cheers Link to comment Share on other sites More sharing options...
Rare Shippy Posted April 25, 2023 #14 Share Posted April 25, 2023 We were fortunate enough to get the 'F' plan when I retired. I do not think you can get that anymore. Link to comment Share on other sites More sharing options...
wallyworld1059 Posted April 25, 2023 #15 Share Posted April 25, 2023 Huh, charging for medical records? Must be new since last fall. Wife had almost $700 in charges. Got the statements delivered to the cabin by the room steward with no charge. Submitted to Medicare when we got home, filed with AON and two months later had a check. Maybe just good luck or timing. Link to comment Share on other sites More sharing options...
CreamsicleCatMom Posted April 25, 2023 #16 Share Posted April 25, 2023 How much did a cost to get seen on board? If you didn’t plan to go through your insurance. Thanks. Link to comment Share on other sites More sharing options...
voljeep Posted April 25, 2023 #17 Share Posted April 25, 2023 5 minutes ago, CreamsicleCatMom said: How much did a cost to get seen on board? If you didn’t plan to go through your insurance. Thanks. Doctor Consultation, Office Hours, Level 2 Moderate to High complexity - $129 1 Link to comment Share on other sites More sharing options...
Rare PacnGoNow Posted April 25, 2023 #18 Share Posted April 25, 2023 21 minutes ago, wallyworld1059 said: Huh, charging for medical records? Must be new since last fall. Wife had almost $700 in charges. Got the statements delivered to the cabin by the room steward with no charge. Submitted to Medicare when we got home, filed with AON and two months later had a check. Maybe just good luck or timing. They don’t charge for medical records if it’s covid related. Other issues they normally charge. Of course, subject to change after the emergency covid rules end in the US on May 11, 23. Then, IDK. 1 Link to comment Share on other sites More sharing options...
Mary loves to travel Posted April 25, 2023 #19 Share Posted April 25, 2023 3 hours ago, Shippy said: We were fortunate enough to get the 'F' plan when I retired. I do not think you can get that anymore. Correct. Now the similar plan is 'G'. Only difference is that Medigap plans are no longer allowed to cover the roughly $200 deductible -- that's the only difference between the older plan F and the newer plan G. Mary Link to comment Share on other sites More sharing options...
memoak Posted April 25, 2023 #20 Share Posted April 25, 2023 3 hours ago, CreamsicleCatMom said: How much did a cost to get seen on board? If you didn’t plan to go through your insurance. Thanks. You will have to pay on board they don’t take insurance. Then you can file with your medical provider if they take international charges 1 Link to comment Share on other sites More sharing options...
pklein9747 Posted April 26, 2023 #21 Share Posted April 26, 2023 I had to go to the medical center after experiencing an Afib incident. They provided an itemized bill no charge, however, the cost for a full report (mine was 7 pages + EKG results) was $28 if I wanted it. I was told that I would only need the itemized bill to submit to insurance, but wanted the entire report just be sure. Travel insurance covered my entire $1600 bill. 1 Link to comment Share on other sites More sharing options...
VibeGuy Posted April 26, 2023 #22 Share Posted April 26, 2023 I mean, $129 to see a provider during office hours without a six week wait for an appointment? Sounds delightful to me. 3 Link to comment Share on other sites More sharing options...
VibeGuy Posted April 26, 2023 #23 Share Posted April 26, 2023 2 hours ago, pklein9747 said: I had to go to the medical center after experiencing an Afib incident. Out of curiosity, did you get cardioverted onboard? $1600 is a bargain if so. We bailed on one particular itinerary this winter because there were more than five days between ports with reasonable opportunities to get zapped if DH went out of rhythm, and I wasn’t able to identify anyone who had experienced an elective DCCV onboard. DH does not approve of my plan to DIY it with a used LifePak and a stop at a Mexican “farmacia alta especialidad” early in the trip for anaesthetic. His EP wasn’t sure how deeply they’d be willing to sedate onboard. Link to comment Share on other sites More sharing options...
nini Posted April 26, 2023 #24 Share Posted April 26, 2023 On 4/24/2023 at 7:53 PM, mevs904 said: This is interesting. I thought that Medicare Advantage didn’t cover claims outside of the country. We’re these international cruises? Most people are surprised and confused about international coverage. Our Advantage Plan covers us internationally (evacuation included!) for a $90.00 co-pay. This is of course not for a routine visit. The Supplemental Plans cover you internationally with a 20% co-pay and a LIFETIME MAXIMUM of 50K. We love our Regence Advantage Plan and it saves us a TON of money, includes dental and prescriptions. Link to comment Share on other sites More sharing options...
pklein9747 Posted April 27, 2023 #25 Share Posted April 27, 2023 21 hours ago, VibeGuy said: Out of curiosity, did you get cardioverted onboard? $1600 is a bargain if so. No. This was my very first Afib incident. It was determined I was dehydrated which caused the Afib. Once I received fluids, it corrected itself. 2 Link to comment Share on other sites More sharing options...
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