Bring Medicare home!
Bring Medicare home!
Bring Medicare home!
Bring Medicare home!

Pass the Medicare Portability Pilot Program Bill!

Reintroduced in Congress!
    The much anticipated Medicare Portability bill for tens of thousands of Filipino American seniors who plan to retire in the Philippines was recently reintroduced as a rider in the the U.S. House of Representatives 2026 budget bill.
    It was sponsored by Guam Delegate James Moylan (R), who is the co-chair of the bipartisan PH Friendship Congressional Caucus. He is a US Army veteran who sits on the Armed Services and Foreign Affairs committees. The proposed legislation would benefit American retirees in twelve countries including the Philippines.
    The portability legislation was submitted on May 23, 2025 to the House Appropriations Committee in the 2026 Fiscal Year Labor-Health Human Services-Education Appropriations budget bill.

    The legislative language was provided by Moylan's staff to the Washington DC-based advocacy group, U.S. Medicare Philippines, Inc. that has led the portability campaign since 2011. 

   "The chances of final passage are excellent. We anticipate the enthusiastic support of 1 Million American seniors overseas - including the 9 Million US voters in twelve countries. More importantly, our sponsors estimate billions of dollars in Medicare costs being saved in the coming years," according to Eric Lachica, the group's organizer.

    The pilot program legislation is expected to be "marked up" or approved in the Appropriations Committee in late July. 

    The full portability text follows:

    "The Committee urges the Department of Health and Human Services (HHS), through the Centers for Medicare and Medicare Services (CMS), to ensure that all American taxpayers are entitled to receive their earned Medicare benefits regardless of geographic location, where such allowance may result in cost savings associated with the Medicare Trust Fund. 

     In accordance with such authority under Section 1115A of the Social Security Act and other applicable statutes, the Committee urges CMS to design a pilot program enabling Medicare-eligible Americans who choose to reside abroad to retain and access their earned Medicare coverage, leveraging the differential cost of providing benefits between the US and pilot countries. Such a pilot may include Americans currently residing overseas who can demonstrate that Medicare is their primary healthcare benefits provider. 

      The Committee recognizes an estimated 9 million Americans permanently reside overseas, and that Medicare Portability is of particular concern to over 1 million Americans. In consideration of this, the Committee intends and advises that the pilot design be limited to: 1) international locations that offer healthcare systems generally equivalent to the United States, such as The Dominican Republic, Canada, Germany, India, Israel, Italy, Mexico, Panama, The PHILIPPINES, South Korea, Thailand, and Ghana; 2) Have large current American citizen populations; and 3) Are strong allies of the United States.

      The Committee further urges CMS to design such a pilot program in a fashion that alleviates additional burdens on the US healthcare systems over the next 10 years. CMS should design such a pilot program with guaranteed savings for the Medicare Trust Fund. Not later than 180 days after the date of enactment of this Act, the Administrator of CMS shall submit a report to Congress detailing such pilot program."

US Del. James MOYLAN (R-Guam) 2024-25 sponsor
Rep. Jen KIGGANS (R-Suffolk VA) 2024 cosponsor
US Rep. Bobby SCOTT (D-Newport News VA) 2024 cosponsor. With Eric Lachica file photo
US Rep. Ed CASE (D-Hawaii) 2024 cosponsor
US Rep. Dan MEUSER (R-Reading PA) 2024 cosponsor
US Rep. Brandon WILLIAMS (R-Syracuse NY) 2024 cosponsor
US Rep. Kevin MULLIN (D-San Mateo CA) 2024 cosponsor

See the latest on NEWS page

 

JOIN the US Medicare Philippines campaign!

We, Filipino Americans, medical professionals, retirees and community advocates, invite you to join our campaign to convince our American President and the U.S. Congress to allow long-term Medicare benefits coverage in the Philippines.


WHY?
Hundreds of thousands of Filipino doctors, nurses, medical professionals, teachers and workers immigrated in the 1960s, 70s, 80s and 90s upon the invitation of U.S. medical and educational institutions and businesses to fulfill the needs of the American People.

Our Filipino American immigrant professionals are retiring at the rate of 100 PER DAY. They are part of the daily "tsunami" of 10,000 baby boomers who reach 65-years. Under U.S. law, they can take their Social Security pensions anywhere in the world. However, the law does not provide long-term Medicare benefit coverage overseas.

With decades of work, they have paid into Medicare. They deserve portability of benefits at internationally accredited hospitals and health care providers in the country of their birth.

WHAT ARE THE FACTS?
News stories everyday report the worsening budget crisis facing our government. Because of the post pandemic recovery, economic inflation, reduced tax revenues and increasing health care expenses, Medicare may run out of enough funds within a decade. Social Security benefits may also face cuts or increased requirements.

 

According to the US Social Security Administration July 2022 data, there are 35,032 American seniors (65+ age) who reside in the Philippines who receive their SSA monthly payments there (https://www.ssa.gov/deposit/foreign.htm). Worldwide, there are 714,316 Americans retirees living overseas who are SSA recipients who are only eligible to receive Medicare upon their returning to the USA.

 

Cost savings assumptions for the Centers for Medicare & Medicaid Services (CMS) should be forward looking since most Filipino American seniors and their spouses want to retire in the PH. They are paying their $174 monthly CMS Part C premium (or $2,088 a year for Part B) which is deducted from their monthly SSA benefit. 


IS PORTABILITY A PART OF THE SOLUTION?
YES. Medicare can save at least fifty percent in costs if they allow American beneficiaries to be covered in the Philippines.

The current annual cost per beneficiary is $14,000. We estimate that taxpayers will save at least $7,000 per year for each Filipino American senior who chooses to return to their country of birth and avail of quality health care there.

With this estimate, if 400,000 American retirees choose to reside in the Philippines, the Medicare savings could be $2,800,000,000 ($2.8 Billion) per year. This savings could help meet our U.S. government’s investments in job creation, education, infrastructure and small businesses - or reduce the budget deficit.

 

We expect the "Medicare Portability Pilot Program" legislation in the recent House Appropriation Committee Fiscal Year 2026 budget when passed by Congress and completed by the CMS in 2026 will show the feasibility and the huge cost savings of long term Medicare Advantage coverage being expanded to the Philippines and other eleven selected countries.

PH Medical Tourism Delegation led by DoT Asst. Sec. Benito Bengzon and the representatives of top Manila hospitals were urged to support the Medicare Portability Feasibility Study at the PH Embassy Washington, September 19, 2014. The representatives were St. Lukes' senior V.P. Marilen Lagniton, The Medical City marketing director Millete Escasinas, Makati Med. V.P. Arlyn Songco and Asian Hospital's founder Dr. Jorge Garcia. They participated in the 7th World Medical Tourism Congress.
 

CAN THIS BE DONE?

There are precedents: US citizen residents of Guam because of proximity are allowed to obtain critical medical treatment in Philippine hospitals that meet Joint Commission International (JCI) standards. Their costs are reimbursed by Medicare Advantage (Part C) private insurance plans.

Moreover, the Pentagon’s TRICARE and VA Department's health coverage reimburse 30 thousand U.S. military retirees who live in the Philippines.

GOAL in 2025:
Our goal is to pass the proposed "Medicare Portability Pilot Program" of the CMS that includes the Philippines as part of the 2026 Appropriation budget bill.

 

We expect the pilot program to show the cost savings with the PH healthcare industry based on their past years experience and the quality of care provided to 30,000 thousand US military retirees in the TRICARE and VA PHILIPPINES programs. This will be in addition to the 30,000 Guam Medicare beneficiaries who are treated at the top PH hospitals at low prices.

 

We anticipate this crucial pilot program extending Medicare coverage to Filipino American seniors and U.S. retirees in the Philippines would mean huge savings for the Centers for Medicare & Medicaid Services (CMS) and the American taxpayers.


In the meantime, we support the CMS current policy allowing Medicare Advantage (Part C) insurance companies, as part of their temporary (6-months) world-wide coverage, to reimburse their beneficiaries for paying directly the top Philippine hospitals and their doctors for medically necessary treatment when they visit.

HOW ABOUT ACCOUNTABILITY TO PREVENT FRAUD?
These JCI accredited hospitals could demonstrate accountability, high quality of care, standardization of professional fees and the use of electronic health records (EHR) to meet strict CMS rules. Fraud would be reduced to almost zero.

CMS could review of this industry study and feasibility of Medicare Advantage insurance companies extending coverage would validate the dramatic savings and quality of care during this period.

ACTIONS SPEAK LOUDER:
With the pandemic recovery and budget crisis we face, our proposal deserves the support of your U.S. Representative and two Senators. E-mail them on their websites' contact page.


U.S. House of Representatives: house.gov

U.S. Senate: www.senate.gov

Ask them to support Medicare Portability Pilot Program in the 2026 Appropriation bill for Labor, Health & Human Services.

Former PH President Fidel V. Ramos partnered with US Medicare PH leaders in May 2011.

JOIN US!
Fill-out our membership form in the next page.
For answers, E-mail: usmedicareph@gmail.com
Or call: 202-246-1998

 

Maraming salamat po!
APOLLO INSERTO RN ret., Chairman
ERIC LACHICA, Organizer & Incorporator

and Board Members

US Medicare PH, Inc. 1825 Great Falls St. McLean VA 22101

Email your Representative on their contact page on www.house.gov

Urge them to support the Medicare Portability Pilot Program in the FY 2026 budget bill.

See sample text.

See ACTIONS page

USMedicarePH.org
1825 Great Falls St.

Falls Church, Virginia 22101


Phone: 1 202 246-1998

E-mail: usmedicareph@gmail.com

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US Medicare PH, Inc. (June 5, 2025)