Spaniel

BUPA $$$

97 posts in this topic

1 minute ago, xylophone said:

 

But better than many because they won't cover motorbike accidents at all!

 

Anyway that is just one other thing to be considered when selecting Health Insurance and there are far greater considerations to be taken into account as we know.

Mostly motorbike accidents are covered on Thai health insurance schemes without restrictions. Yours sound like a restriction on the health cover, in stead of an additional accident cover. But to be sure you'd have to look at the exact policy wording.

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ID: 92   Posted

On 4/18/2016 at 6:18 AM, bkk6060 said:

Just to follow up, I did get the Bupa policy Platinum 2.

About $2,000 USD for me age 61. I actually went to their office in Sathorn. Nice modern place.

I met with a Rep, filled out the paperwork, and put the payment on my CC. She gave me a hard copy of my Health card on the spot.

What I did not know is the policy is good worldwide. Except, the good old USA of course.

Anyway, I was pleased with the process.

FYI, the current cheapest Obamacare policy for me, a 60 year old living in Florida that makes over 50k USD per year, the plan would be $508/month.  MAGI (which includes tax free income, municipal bonds and would included social security) is what is used to determine your income and anybody that makes more than 50K would not qualify for subsidies.  So anybody that did reasonable amount of retirement planning as I have done would now still be crushed by medical premiums.  The only relief comes if one reaches medicare age of 65, or in my case I can qualify for VA free or co pay medical, IF I knock down my MAGI, income.  ROTH distributions are not counted towards MAGI, so at work I am stuffing all I can into the ROTH part of the 401k.   I am like inches from retiring and planning on spending a few years in Thailand and I am currently planning on getting BUPA there.  The basic platinum 1 level seems like the place to start. 

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ID: 93   Posted

7 minutes ago, gk10002000 said:

FYI, the current cheapest Obamacare policy for me,

 

You should take a look at what the Commonwealth Fund is predicting post "Obama Care" ! 

 

Americans voted for what they are going to get which will be completely unaffordable healthcare insurance premiums and a massive increase in the number of people unable to access care when needed. 

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ID: 94   Posted

Just now, perthperson said:

 

You should take a look at what the Commonwealth Fund is predicting post "Obama Care" ! 

 

Americans voted for what they are going to get which will be completely unaffordable healthcare insurance premiums and a massive increase in the number of people unable to access care when needed. 

Yes I have seen some estimates.  Me living in Florida and the place has a lot of retirees, things make the news often.  Luckily I have the freedom to go overseas and seek cheaper things, or since I am a veteran, if I just maneuver things to knock my retirement income down, I can get free or almost free VA care.  Other people it looks like they are going to get crushed.  Heck just a few years ago I was paying $66/month for my catastrophic 2 Million dollar coverage with a 10,000 deductible which was perfect for me. I have no chronic illnesses, or treatments.  I don't mind a high deductible. I just wanted insurance against large things.  But Obamacare told people what they need for coverage.  I am an engineer and have friends that are Doctors and a sister and niece that are RNs and teaching nurses.  I would prefer to seek my own counsel thank you. 

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ID: 95   Posted

16 minutes ago, gk10002000 said:

FYI, the current cheapest Obamacare policy for me, a 60 year old living in Florida that makes over 50k USD per year, the plan would be $508/month.  MAGI (which includes tax free income, municipal bonds and would included social security) is what is used to determine your income and anybody that makes more than 50K would not qualify for subsidies.  So anybody that did reasonable amount of retirement planning as I have done would now still be crushed by medical premiums.  The only relief comes if one reaches medicare age of 65, or in my case I can qualify for VA free or co pay medical, IF I knock down my MAGI, income.  ROTH distributions are not counted towards MAGI, so at work I am stuffing all I can into the ROTH part of the 401k.   I am like inches from retiring and planning on spending a few years in Thailand and I am currently planning on getting BUPA there.  The basic platinum 1 level seems like the place to start. 

The US has got to be the biggest rip off country for medical in the world.  One can go broke just going to the Dentist or Doctor.  

One thing you might think about after you get here is to join one of the expat groups.  I have done so snd they have some group rates contracted with a few reputable  insurance providers. Comparable coverage to Bupa at less cost.

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ID: 96   Posted

3 minutes ago, gk10002000 said:

I would prefer to seek my own counsel thank you. 

I am sure that is wise !  

 

However reflect ... Americans reject a single payer system of healthcare provision (socialist:sick:). Some (most?) reject the AFC (Obamacare:sick:) , but they moan about the ever increasing cost of insurance. 

 

America spends more on healthcare and $ for $ 'achieves' the worst possible outcomes when compared to any other Western nation. 

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ID: 97   Posted

6 minutes ago, bkk6060 said:

The US has got to be the biggest rip off country for medical in the world.  One can go broke just going to the Dentist or Doctor.  

One thing you might think about after you get here is to join one of the expat groups.  I have done so snd they have some group rates contracted with a few reputable  insurance providers. Comparable coverage to Bupa at less cost.

A fine suggestion. Thank you.  I will know my year end plans within the next month as I see how my current employer and myself come to terms.  The job sucks.  But the pay is OK, and the medical and dental and vision are great and only costs me $96 per month and even that is paid pre tax.  So if I leave or they tell me to leave, my medical could jump to $500 or more and I don't like that idea while hanging out.  I happen to have invested for dividends and income and do get about $55,000 a year, much of which is tax free, but paying over $6,000 a year for a garbage minimum plan and being bored is not my plan.  I thought I might head to Thailand two years ago but the contract job paid so well, I just had to keep making the hay.   Now, my motivation is questionable!  And less than 2 years to early social security should I take it then

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BANGKOK 22 July 2017 23:31
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