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Senior Times - July 2018Page 3MEDICARE & TRAVEL – WHAT’S COVERED?By: Sherii Sherban, PublisherIn general, health care you get while travel- ing outside the U.S. isn’t covered.The 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, the Northern Mariana Islands, and American Samoa are con- sidered part of the U.S.Medicare may pay for inpatient hospital, doc- tor, ambulance services, or dialysis you get in a foreign country in these rare cases:• You’re in the U.S. when a medical emergencyoccurs, and the foreign hospital is closer than the nearest U.S. hospital that can treat your medical condition.• You’re traveling through Canada without unrea- sonable delay by the most direct route between Alaska and another state when a medical emer- gency occurs, and the Canadian hospital is clos- er than the nearest U.S. hospital that can treat the emergency.• You live in the U.S. and the foreign hospital is closer to your home than the nearest U.S. hospi- tal that can treat your medical condition, regard- less of whether an emergency exists.In some cases, Medicare may cover medically necessary health care services you get on board a ship within the territorial waters adjoining theland areas of the U.S. Medicare won’t pay for health care services you get when a ship is more than six hours away from a U.S. port.Medicare drug plans don’t cover prescrip- tion drugs you buy outside the U.S. However, Medicare supplement insurance (Medigap) policies may cover you when you travel outside the U.S.Your costs in Original MedicareYou pay 100% of the costs, in most cases. In the situations described above, you pay 20% of the approved amount, and the Part B deductible applies.In the situations above, Medicare pays only for services covered under Original Medicare:• Medicare Part A (Hospital Insurance) covershospital care (care you get when you’ve been formally admitted with a doctor’s order to the foreign hospital as an inpatient).• Part B covers emergency and non-emergency ambulance and doctor services you get imme- diately before and during your covered foreigninpatient hospital stay. Medicare generally won’t pay for services (like return ambulance trips home) in either of these cases:1. Medicare didn’t cover your hospital stay.2. You got ambulance and doctor services out-side the hospital after your covered hospitalstay ended.• You pay the part of the charge you would nor-mally pay for covered services. This includes any medically necessary doctor and ambulance services you get in a foreign country as part of a covered inpatient hospital stay. You also pay the coinsurance, copayments, and deductibles you’d normally pay if you got these same services or supplies inside the U.S.Foreign hospitals aren’t required to file Medicare claims. You need to submit an itemized bill to Medicare for your doctor, inpatient, and ambulance services if both of these apply:• You’re admitted to a foreign hospital under oneof the situations above.• The foreign hospital doesn’t submit Medicareclaims for you.To find out how much your test, item, or ser- vice will cost, talk to your doctor or health care provider. The specific amount you’ll owe may depend on several things, like:• Other insurance you may have.• How much your doctor charges.• Whether your doctor accepts assignment.• The type of facility.• Where you get your test, item, or service.Note: Because Medicare has limited cover- age of health care services outside the U.S., you may choose to buy a travel insurance policy to get more coverage. An insurance agent or travel agent can give you more information about buy- ing travel insurance. Travel insurance doesn’t necessarily include health insurance, so it’s important to read the conditions or restrictions carefully.CITYHastings WoodlandAlbion Battle Creek Battle Creek Homer MarshallJackson Jackson NapoleonSpring ArborLOCATIONCOA Building Eagles ClubFACILITATORMary Cook Kristy EstepPHONE DAYS(269) 948-4856 M-F(269) 367-4041 M,W,FTIME10am-2pm10:30am-1pmSENIOR DINING CENTERSBARRY COUNTYDeltonFaith United MethodistAngela Soya(269) 579-3918M,W,T11am-1pmNashvilleMain St. BanqetsJenny Burlison(517) 213-9212M-F10:30am-1pmMeals provided by Barry County Commission on Aging. A program sponsored by Barry County United Way.BRANCH COUNTYColdwaterColdwater Church of ChristAlisha Carr(517) 279-8249M,T,Th,F9am-1pmLunch Served at 12pmMeals provided by Community Action Food and Nutritional Services. Funding sources AAA 3C, Branch County United Way, USDA and private donations.CALHOUN COUNTYAlbionAlbion Forks Senior Dining CenterCynthia Rose(866) 200-8877M,T,W,F10:30am-1pmLunch served at 12pmClarence Township Dining Center Cherryhill Manor Senior Center Springview Towers Dining Center Homer Presbyterian Church Marshall House Dining CenterCrouch Senior CenterKing Rec Center, Food with Friends Napoleon Township HallSpring Arbor Senior CenterMark RiceConstance Siegel Eileen Worthington Senior Health Partners Deb TrescottLaurie Mead Laurie Mead Gail JamiesonShimone Glaspie(866) 200-8877 (866) 200-8877 (866) 200-8877 (866) 200-8877 (866) 200-8877(517) 788-4364 (517) 788-4364 (517) 788-4364(517) 750-1010M,T,W M,T,W,Th,F M,T,W,FTM,W,FM,T,W,Th,F M,T,W,Th,F T, Th M,T,W,Th,F10:30am-1pm 10:30am-1pm 10:30am-1pm 10:30am 10:30am-1pm8am-4pm 10:30am-1:30pm 10:30am-1:30pm9:45am-1:45pmLunch served at 11:45am Lunch served at 11:30am Lunch served at 11:30am Whole Person Wellness too Lunch served at 12pmLunch served at 12pm Lunch served at 12pm Lunch served at 12pmLunch served at 12pmBattle CreekBedford Manor Dining CenterBilly Castle(866) 200-8877M,T,W,Th,F10:30am-1pmLunch served at 11:30amBattle CreekLakeview 890 Territorial Dining CenterKarl Hoard(866) 200-8877M,W,F10:30am-1pmLunch served at 11:30amBattle CreekWestbrook Place Dining CenterMichelle Dove(866) 200-8877M,T,W,Th,F10:30am-1pmLunch served at 11:30amMarshallHeritage CommonsKitty Knoll(269) 558-6150T, Th12-1pmTekonshaTekonsha Community HallSenior Health Partners(866) 200-8877T10amWhole Person Wellness tooAll sites have hot and cold meals. Meals provided by Senior Services. Funding by Calhoun County Senior Services, AAA 3B, USDA and private donations.JACKSON COUNTYGrass LakeGrass Lake Food With FriendsAnnie Lavergne(517) 788-4364T, Th10am-3:30pmLunch served at 12pmJacksonPark ForestLaurie Mead(517) 788-4364M,T,W,Th,F10:30am-1:30pmLunch served at 12pmMichigan CenterSt. Aidan’s Episcopal ChurchLaurie Mead(517) 788-4364M,W,F10am-2pmLunch served at 12pmNorvellNorvell/Township HallGail Jamieson(517) 788-4364M,W,F10:30am-1:30pmLunch served at 12pmTo have your senior dining center added or changes to your listing, Call Sherii at (269) 979-1412 ext. 302 or Email:

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