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Old 15.10.2018, 17:12
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Retiring part time in Switzerland, part time USA

I'm recently retired and about to move my domicile back to the USA, but I hope to spend part of the year here in Switzerland every year. Does anyone know how this works with Medicare? I know it doesn't cover me when I am not in the USA, but what can I do when I am living here for those several months? Any useful info for me? Thanks.
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Old 15.10.2018, 17:30
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Re: Retiring part time in Switzerland, part time USA

Do you have Swiss or EU nationality? What exactly are you planning on doing residency-wise? If you don't have Swiss/EU nationality you won't have a permit to live here, although I guess if you went the 90 days in 90 days out route you might manage it without a permit.

Health-wise again probably depending on the residency thing, but I would guess if breaking down into 90 day chunks you'd have to have some sort of travel insurance or worldwide health cover.

If you're planning on having one big 6 month chunk then assuming non-EU nationality you'd need a permit which may be difficult to get and of course Swiss health insurance or some other insurance cover that's accepted by the Swiss.

Have you looked into the tax situation of splitting your time this way?
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Old 15.10.2018, 17:57
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Re: Retiring part time in Switzerland, part time USA

I'm just beginning to research retirement health care issues, so please take this as nothing other than a fellow confused returnee's musings...

Do be aware of the requirement to purchase Medicare Part B at age 65, even if living overseas where Medicare does not cover you, or else face the late enrollment penalty once you return. The penalty is 10% per missed year, so it could be a significant increase in your premiums.

You can read about Medicare and the overseas citizen here, from the American Citizens Abroad group:

https://www.americansabroad.org/basic-medicare/

We cannot stay here after OH retires, but we had hopes of splitting our time between Switzerland and the US, keeping our house here.

We would only stay here for the time allowed as a tourist (we will lose our C permits, obviously) so travel medical insurance would likely be sufficient.
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Old 16.10.2018, 12:35
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Re: Retiring part time in Switzerland, part time USA

Thanks for your feedback everyone. Yes, I do have dual citizenship, although I didn't realize there are time restrictions on how long I can stay here without registering (other than the tax definitions - I'm clear on those).

Thanks for the heads up on Medicare and initial enrollment period. I learned about that from friends that learned the hard way.

So I guess I will have to find international health insurance while travelling over here. Does anyone know if I have to register as a Swiss national if I am here for more than 90, less than 183, days?

Thanks everyone. Really appreciate the help.
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Old 16.10.2018, 12:42
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Re: Retiring part time in Switzerland, part time USA

I believe you do, but check with your gemeinde/commune office to be sure.
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Old 16.10.2018, 19:55
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Re: Retiring part time in Switzerland, part time USA

Again, thanks. I checked with the gemeinde and, in fact, after 90 days in a year, one must register. Learning every day....... Thanks again for your input.
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