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Old 16-12-2014, 07:02   #121
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Re: Medical Insurance & Costs

Actually, our ACA plan covers us out of country also. It is basically our old catastrophic plan with better coverage and deductible at the same price. For basic stuff out of country, the copay is usually the same as the entire cost. However, should something major happen to us, we are covered outside the US the same as in the US.

Given how very much less expensive healthcare is outside the US, it seems like all of the US insurance companies would extend coverage - they make more money that way.

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Old 16-12-2014, 12:08   #122
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Re: Medical Insurance & Costs

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Originally Posted by Group9 View Post
4. Not many people want to have major surgery in a third world country.

Group9 -- who do you consider third world??
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Old 16-12-2014, 12:21   #123
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Re: Medical Insurance & Costs

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Group9 -- who do you consider third world??
I wonder what countries he's including too. As to not many people wanting to have surgery in third world countries, well Medical tourism has become a large industry and many are traveling to other countries for elective surgery. But then on the flip side there are those traveling to the US for procedures as well. But then there are some major conditions that even in the US or Canada I wouldn't have done just anywhere but would go to the hospital with the most expertise.

Here is a listing that shows the savings versus US prices that can be expected. Note that these are the percentage saved not the percentage paid.

Brazil: 20-30%
Costa Rica: 45-65%
India: 65-90%
Malaysia: 65-80%
Mexico: 40-65%
Singapore: 25-40%
South Korea: 30-45%
Taiwan: 40-55%
Thailand: 50-75%
Turkey: 50-65%

Each person has to make their own choices. Much is just how much a risk taker you are and how risky you consider other areas for surgery.
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Old 16-12-2014, 12:27   #124
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Re: Medical Insurance & Costs

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Those who had good health insurance still have it. Those who had crap policies that did not meet minimum requirements will likely be better off making a change regardless of how much they "liked" their old insurance.
Not true... I loved my health insurance...but thanks entirely to Obamacare, the health insurance costs for our little company when up $22K for the year...that's real folks....that affects the bottom line of a small business that was perfectly happy with the health care it had, which Obamacare deemed Illegal.

So I was lied to...I liked my Health Insurance plan and I lost it. So excuse me if I call a Lie a Lie and a Disaster out as what it is, I'm certainly paying for the right to be pissed off. But that's just short term and then they can find another sucker to pay...I'm outta here...I'll be sucking the Government Taxpayer Subsidy Tit myself and thanking those still dumb enough to pay for it.
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Old 16-12-2014, 12:40   #125
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Re: Medical Insurance & Costs

Not to get into big political debate, but just a note:

Look at the legal systems of countries with cheaper health care than the USA. You can rarely sue anybody for malpractice. For certain procedures, malpractice insurance is often 20% to 30% of the costs.
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Old 17-12-2014, 21:20   #126
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Re: Medical Insurance & Costs

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Not to get into big political debate, but just a note:

Look at the legal systems of countries with cheaper health care than the USA. You can rarely sue anybody for malpractice. For certain procedures, malpractice insurance is often 20% to 30% of the costs.
True, but malpractice insurance & litigation are out of control in the USA.
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Old 18-12-2014, 03:16   #127
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Re: Medical Insurance & Costs

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This is a very hard question to answer. For example, see: What I Learned When I Asked How Much My MRI Would Cost - Forbes

US does not have price transparency in medical care. That is one reason we pay so much for it. This is starting to change, and in a few years it will be easier to shop around.

That said, if you are paying cash up front, and you shop around, I bet you could get an MRI for under $1000 no problem. It will for sure require some bargaining.
You can find places that will do an mri for 300. No 8ns, cash price.
There are so many issues in the US w healthcare its unreal. 6k for a 15 mi. Hospital visit w no procedures xrays or anything, just a look in an ear w a flashlight, 850 for an xray at any of the Baptist health care affiliated places in The fl keys forces us to drive to homestead for a affordable xray or mri etc. Insurance companies get raped, and were just a sue happy country, its the american way,,,,

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Old 18-12-2014, 12:38   #128
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Re: Medical Insurance & Costs

Wonder if we can get back on thread track?


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Old 18-12-2014, 13:08   #129
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Re: Medical Insurance & Costs

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Wonder if we can get back on thread track?
What more do you need to know? At some point have to shop for health insurance based on your particular circumstances.
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Old 18-12-2014, 13:16   #130
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Re: Medical Insurance & Costs

What is the track?

Prices are all over the board depending on what coverage you get, your age, where you are etc. etc.

We priced up several options to cover us, but:

1. No coverage in USA, Canada or several other countries, or if in USA over 6 mo/year or some similar. Not really problem as that was what we were looking for but big effect on pricing.
2. Can get dumped later due to age.
3. Extreme language regarding existing conditions (like, "even if not diagnosed").
4. High deductibles.
5. Low yearly or lifetime payout limits.
6. Can get cancelled at any time.
7. Questionable oversight, like to whom would one go to if refused coverage for some medical procedure.

Nothing easy about it. Prices all over the board. Buyer beware!
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Old 18-12-2014, 14:46   #131
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Re: Medical Insurance & Costs

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Originally Posted by Dennis.G View Post
What is the track?

Prices are all over the board depending on what coverage you get, your age, where you are etc. etc.

We priced up several options to cover us, but:

1. No coverage in USA, Canada or several other countries, or if in USA over 6 mo/year or some similar. Not really problem as that was what we were looking for but big effect on pricing.
2. Can get dumped later due to age.
3. Extreme language regarding existing conditions (like, "even if not diagnosed").
4. High deductibles.
5. Low yearly or lifetime payout limits.
6. Can get cancelled at any time.
7. Questionable oversight, like to whom would one go to if refused coverage for some medical procedure.

Nothing easy about it. Prices all over the board. Buyer beware!
My number one problem with insurance in general and not just health insurance is how much one has to read and wade through to know what they're really getting. On health insurance it's all the things you mention plus exclusions and inclusions. Then even on drugs, every insurer has different formularies.
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Old 18-12-2014, 16:24   #132
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Re: Medical Insurance & Costs

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My number one problem with insurance in general and not just health insurance is how much one has to read and wade through to know what they're really getting. On health insurance it's all the things you mention plus exclusions and inclusions. Then even on drugs, every insurer has different formularies.
Very true, although the ACA policies are reasonably comparable.
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Old 18-12-2014, 22:09   #133
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Re: Medical Insurance & Costs

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Very true, although the ACA policies are reasonably comparable.
Yes, medicare supplements are the same way and most state run programs are. Multiple companies bidding on identical policies.
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Old 18-12-2014, 22:48   #134
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Re: Medical Insurance & Costs

Getting this thread back on track, I just purchased insurance which is worldwide, although most of my time will be in the foriegn country of the USA. As a Canadian, I am privileged to spend almost half my time visiting there. It costs me $917 for those six months with one preexisting condition.

Mind you, they will medivac me back once I am stabilized and I am then covered by our universal health plan.

I consider it cheap, compared to what I know US citizens pay. I was talking to a 21 year old healthy individual who pays $234 a month. I'm more than 40 older.

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Old 23-12-2014, 05:16   #135
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Re: Medical Insurance & Costs

Just an update on my shoulder surgery in Tunisia. i ruptured my shoulder after arriving in Tunisia for the winter. Got doc appointment on day i wanted and had MRI 3 days later. 3 days after that he gave me bad news that i needed surgery to repair and gave me a day to consider options. Next day i decided to get it repaired and surgery scheduled for the next day. Spent 2 days in the hospital.

Total cost of doctor, surgery room, guy who put me to sleep, surgercial nurse, drugs, 2 nights, and the 2 screws that were put into my shoulder was about $1,800 usd.

I will pay seperate for follow ups for dressing change ect. and of course pt which i have no idea of the cost yet.

can you imagine the time and cost if i had gone back to usa? and let's not even talk about finding a doctor to see me.
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