Tuesday, September 25, 2012

Double Punishment from Medicare

As most of my readers may know I am retired and live in Penang, Malaysia. I realized before I moved here that I would receive absolutely no benefits from Medicare, because I lived abroad. Since I paid thousand of dollars over my working career into Medicare and I will not get a penny of that back while living abroad this fact  made me reasonably angry. But since the quality of medical care in Malaysia is excellent and one hell of a lot cheaper than in the US, I didn't mind that much.

Early next year I will turn 65 and will be eligible for Medicare, parts A and B and the other programs offered - only if I am physically living in the US. Today I got a letter from the Department of Health and Human Services with information for Americans living abroad. There was no surprising news or information revealed. The information explained that I would automatically enrolled in Medicare Part A and I didn't have to fill out any forms. Of course even though I was enrolled I could not collect any benefits since I live abroad. This is sort of like belonging to a bowling team, but not allowed to bowl.

I was given an application with which I could apply for Medicare Part B if I wanted it. This would cost about $99 a month, which would be automatically deducted from my Social Security benefits. However, once again I will not be allowed to use any of the benefits, as I live abroad. Such  a great deal! Now what really ticks me off is that since I live abroad and cannot use it, if I decide to move back to the US I actually have to pay a monthly penalty for signing up late. Now why should I have to pay for something I am not allowed to use now and then once I decide to move and will be able to use it why should I be charged a penalty?  With that kind of idiotic thinking I guess when and if I return to the US and apply for electricity at my new residence, I will have to pay extra because I wasn't paying for the electricity while I was living in Malaysia. The people who make up these rules and regulations must be brain dead.

I wish I had the same health insurance plan those worthless members of Congress have. Speaking of them, after I publish this post  I am going to sit right down and email my Congressman about this situation. Any bets I won't get a response? I guess this means I am one of Romney's 47% of Americans who feel entitled to healthcare. You bet I am! I paid for it!

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