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Evidence of UK healthcare state cover for US health cover

Evidence of UK healthcare state cover for US health cover

Old Feb 4th 2020, 12:22 am
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Question Evidence of UK healthcare state cover for US health cover

As a retiring British Expat to the USA my wife run into issues with the state Medicare system. My wife a US citizen has spent most of her life with me in the UK and got her healthcare like everyone else through NHS. As we came out here 6 years ago when she was 69 Medicare state that she should have registered when she was 65 even though she had been in the UK for the past 45 Years! This results in a penalty based on the number of years late in registering which she did last year when I no longer had employer provided health insurance from which both I and she were covered.
I was informed by Medicare through the Social Security Administration that if I could provide evidence that she was covered by health insurance for the period between her being 65 and 69 when she was covered by my employer's health insurance. I don't seem to be able to find out whom I should contact to get this information.
Any body have any hints?
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Old Feb 4th 2020, 12:55 am
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Default Re: Evidence of UK healthcare state cover for US health cover

You fill out Form CMS-L564 and ask your former employer to complete and sign the second section. Then take or send Form CMS-L564 along with Form CMS-40B (the application for enrollment in Medicare) to your local Social Security office.

https://www.cms.gov/Medicare/CMS-For.../CMS-L564E.pdf
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Old Feb 4th 2020, 1:14 am
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Default Re: Evidence of UK healthcare state cover for US health cover

Thanks for this. I'll give it a try and keep crossed fingers!
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Old Feb 4th 2020, 2:17 am
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Default Re: Evidence of UK healthcare state cover for US health cover

Are you asking about how you confirm your wife having health cover under the NHS from the age of 65 to 69?

You say that you entered the US when your wife was 69 (6 years ago) and from that stage until now she has been covered by your employer's health insurance. That has now ceased and she is claiming Medicare and being charged a penalty.

If so, while the form advised will cover her age from 69 to 75 I don't think it will cover the period 65 to 69 when she was in the NHS
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Old Feb 4th 2020, 2:42 am
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Default Re: Evidence of UK healthcare state cover for US health cover

Back in the day when people needed evidence of prior coverage to avoid being charged based on pre-existing conditions, iirc some people got a letter from their NHS doctor to say that they had been a patient for such and such time period.
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Old Feb 4th 2020, 9:17 am
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Default Re: Evidence of UK healthcare state cover for US health cover

Shouldn’t it be sufficient to prove that she was resident abroad from age 65 to 69? Rather than that she had coverage from the NHS? Because, as far as I know, don’t you have to be resident in the US when you initially sign up to Medicare?
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Old Feb 4th 2020, 12:43 pm
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Default Re: Evidence of UK healthcare state cover for US health cover

There may be something helpful here: https://www.medicareconsumerguide.co...ng-in-medicare
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Old Feb 4th 2020, 4:07 pm
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Default

Originally Posted by SanDiegogirl View Post
Are you asking about how you confirm your wife having health cover under the NHS from the age of 65 to 69?

You say that you entered the US when your wife was 69 (6 years ago) and from that stage until now she has been covered by your employer's health insurance. That has now ceased and she is claiming Medicare and being charged a penalty.

If so, while the form advised will cover her age from 69 to 75 I don't think it will cover the period 65 to 69 when she was in the NHS
Thanks for this reply.

Tried this but all their records have been moved to a central location. I have tried to get the required information from this central body but no success yet. Patient perhaps!


This may be very useful. Thanks

Last edited by christmasoompa; Feb 4th 2020 at 6:48 pm.
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Old Feb 4th 2020, 5:26 pm
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Default Re: Evidence of UK healthcare state cover for US health cover

Originally Posted by maws2013 View Post
This may be very useful. Thanks
If you are replying to a specific post then click on 'quote' on that post , so that we know what you are responding to.
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Old Feb 4th 2020, 9:47 pm
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Default Re: Evidence of UK healthcare state cover for US health cover

I have looked at this form which is obviously US based. So as my wife's last employer was a British organisation will this then make this form redundant? Or do I simply put that organisation's details therein and, hopefully, get that organisation to sign it off?
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Old Feb 4th 2020, 11:42 pm
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Default Re: Evidence of UK healthcare state cover for US health cover

Originally Posted by maws2013 View Post
I have looked at this form which is obviously US based. So as my wife's last employer was a British organisation will this then make this form redundant? Or do I simply put that organisation's details therein and, hopefully, get that organisation to sign it off?

As said, that form will not suffice to prove evidence of health cover under the NHS.

It is for proof of cover under employment group cover in the US for those who do not wish to take out Medicare at age 65.

You need to contact your old doctor in the NHS and/or the local health authority to get a letter confirming your cover under the NHS
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Old Feb 5th 2020, 12:52 am
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Default Re: Evidence of UK healthcare state cover for US health cover

When I first read up on Medicare I got the impression that coverage from the NHS would avoid the late enrollment penalty, but I can't remember the sources now.
This article mentions
You can delay Medicare enrollment in Part B (and avoid its premiums) if you have health care coverage from . . .
The public national health service of the country where you live
https://www.aarp.org/health/medicare...united-states/

I don't know if Form CMS-L564 will work for a non-US employer. I guess it depends on the definition of a Group Health Plan in Federal law. This article suggests that
ERISA also does not cover plans maintained outside the United States primarily for the benefit of nonresident aliens
https://www.dol.gov/general/topic/health-plans/erisa


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