jmd8800

Members
  • Content count

    316
  • Joined

  • Last visited

Community Reputation

188 Excellent

About jmd8800

  • Rank
    Senior Member
  1. Noted. Sorry to veer off course.... Last comment from me. I called my insurance company and there is no restrictions on length of time I can be out of the country. Also, they are sending me information to make my regular coverage 'portable' internationally.
  2. Can you cite this 'travel abroad is temporary'? If the insurance company puts restrictions on travel then I think the 'real expat' is the issue. At what point does one cease being a resident of USA and become a resident of another county for insurance purposes. I have address, bank accounts, drivers license, registered to vote, and pay taxes to both federal and state governments. I have not found travel insurance that covers pre-existing conditions so for me that is out of the question. I may as well buy Thai insurance and accept the lack of preexisting exclusions.
  3. Can you show some proof of this? I will ask my insurance company what their policy is concerning how many days one can be out of the country and not lose coverage. This may vary from policy to policy and from state to state. I'm guessing here but I think this actually hinges on legality of someone's residence. I'm sure some expats have severed ties with their home country completely but I have not. I am required to keep an address in the US to have a US bank account. My pension funds will not direct deposit into a foreign bank account. (Bangkok Bank setup exempted here). So I do keep address, registered to vote and a lot of other things that make me a 'resident' of California. I had to be a resident of California in order to buy the health plan through the CoveredCA marketplace. But does this constitute residency if I am out of the country for say 2 years? That I don't know. Maybe on would have to make yearly trips home??
  4. @Ruffian Dick It is so hard to find good info. This post might help you some depending on what you seek When I was shopping around for insurance after I retired (I was unable to purchase the employment based insurance from my work) I found it very hard to obtain any reliable info about what was covered and where under the ACA and in my case since I'm a resident of California the system is CoveredCA. I chose not to purchase any coverage on the ACA as everyone I spoke with (help specialists of CoveredCA, insurance agents, online forums etc) said there would be no coverage outside of the USA. I had chest pains last fall and went to the hospital here and ended up having angioplasty surgery. I paid for this out of my pocket. The doc advised me to return to the USA as I had other problems to address. I didn't have enough money on hand to do all that he wanted to do. I did return to US and I purchased a blue shield plan in CA to get the rest of my plumbing fixed. In digging through the paper work sent to me about my policy and I find that emergency situations are indeed covered outside of the USA. There is a network of international hospitals / care providers that this insurance company has agreements with. Had I have known this I probably would have maintained coverage even while living in Thailand. And I would guess this event would have been covered. I questioned the coverage further and asked, for example, if I were experiencing a heart attack would the emergency room AND subsequent angioplasty be covered. Here is the response: "Urgent and emergency care is covered by Blue Shield, regardless of whether you use one of BlueCard Worldwide providers or not.However, medical necessity will be determined when we review your claim." While it's not overly clear about the angioplasty I'm sure a doctor could write it in such a way to convince the insurance company that he was saving your life. Those things are over my head. But say you got hit by a car and you were dying..... I'd say Blue Shield would pay. One doesn't get any paper work to dig into until they purchase a policy. Unfortunately, people have unanswered questions unless someone in the know can advise them which is hard to find. How would I have known? And that brings me around to 2 points. 1) All of the hatred surrounding the ACA clearly lead to chaos and confusion. This probably was by design by those who oppose it. Secondly, many of the pieces of info I read were on forums and websites where people were spouting off stuff they really had no clue about. Remember the old saying: “A lie can travel half way around the world while the truth is putting on its shoes.” -- Mark Twain
  5. Cialis, Viagra etc are going to be higher in price than the generics made in Thailand. That's intellectual property pricing. Instead of Viagra ask for the generic Sidegra which is made in Thailand. For Cialis the Indian name is Apcalis but I think Indian generics are restricted as of late. Go to any long standing pharmacy with a good reputation and ask for Cialis or the generic and you'll likely get a Thai made, good quality drug. There is a middle ground between CM Ram and Internet / street peddlers.
  6. There is SB house. I think it is geared more towards long term occupants but worth a try.
  7. Thanks for the links. I am focused on coverage more than compliance with the ACA. I have not found international policies that cover pre-existing conditions so I keep coverage under CoveredCA (California ACA coverage) with the expectation I could fly to CA if necessary. Of course... what if I can't fly to California? A Thai policy would cover me for everything but my pre-existing conditions, so I will probably buy a Thai policy and maintain the CoveredCA policy as well. I'm not sure that one has to be inside the USA for any length of time to maintain an ACA policy. For me the best would be complete coverage, including preexisting conditions, in USA/Thailand under one policy. I know.... wishful thinking on my part.
  8. This is pretty interesting. I'd be interested in such a plan as I have pre-existing conditions and would check to see if the pre-existing conditions would be covered under an ACA approved plan. I am considered a California resident for ACA purposes. I wonder if these same policies apply. Do you have a link to the approved plans?
  9. I had not considered repatriation being point of policy origin and not point of citizenship. That certainly puts a spin on things. I'm having trouble with World Nomads so I'm not too enthusiastic about travel insurance. Thanks for the replies.
  10. Does anyone know if the exclusions (say heart disease) apply to repatriation as well? In other words, if say Bupa does not cover heart related hospital costs would they not cover repatriation to your home country if the cause was heart related? I'm shopping around for some sort of bridge between the onset of illness and a way to get back to my home country for treatment under my USA plan. Most of the plans I've looked at from Thailand offer some sort of repatriation coverage. It might be wise for me to have both a Thai plan and home plan in force if Thai insures won't cover pre-exisiting conditions.
  11. Being in California at present to deal with health care issues I pay attention to a lot of the media. I came across this post and my understanding is there will be a more complete disclosure of the plan in a few days. http://mattbruenig.com/2017/05/22/californias-surprisingly-cheap-single-payer-plan/ I am trying to find ways to feel 'covered' while living in Thailand with pre-existing conditions that Thai insurance won't cover. My best solution so far is ACA in USA plan, a relatively cheap Thai plan and repatriation to USA if needed. This is pretty expensive though.
  12. At the end of the day do you really think the majority of Thais actually give a hoot about this?
  13. I left the USA in April 2015 and since then I would qualify for exemption under this rolling period. I am assuming I would owe the shared responsibility for the tax year 2015 since I was in USA January -April 2015? BTW.... while it has been said by executive order that the shared responsibility penalty need not be collected, I am going to file the exemption anyway just to be sure someone somewhere doesn't change their mind retroactively. Something like this might get struck down in a court or be a part of some larger piece of a puzzle legislators use as a bargaining chip.
  14. What on Earth do you need 100TB of backup space for?
  15. ssl

    SSL (secure sockets layer) is the old protocol and it is now TLS (transport layer security). This is the way your computer talks to the server to determine if the server is who it says it is and not 'someone' else. Once the connection is determined to be who each other thinks they are, the protocol then routes traffic through port 443 on your computer which is the port for encrypted http. (https) Once the https protocol is established your data is encrypted. https://en.wikipedia.org/wiki/Transport_Layer_Security Everyone should install HTTPS Everywhere if they can: https://www.eff.org/https-everywhere