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U.S. ex-pat health insurance

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Post by Bearded Beemer Wed Feb 22, 2023 5:40 pm

Hola, the age old question of what are some of the types of health insurance Lakeside residents are using?
Looking for something that covers the US, and world travel.
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Post by Dostortas Wed Feb 22, 2023 6:31 pm

We have GNP and MetLife. Both offer coverage internationally with our policy up to a certain amount and you can opt to add additional international coverage for a higher premium.

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Post by Carry Bean Wed Feb 22, 2023 6:40 pm

I had MetLife for 12 years until a year ago when the premium became outrageous plus I would have had to pay $5,000.USD for each hospitalization as well as 30% of each hospital bill.

Edited to add that I had never made a claim on that insurance in all the years I had it.

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Post by CanuckBob Thu Feb 23, 2023 7:25 am

We found insurance to be too expensive compared to paying out of pocket. Most policies don't cover pre-existing conditions and we rarely met the deductible ($500 USD) for each incident. We found we were paying $6K USD for the policy, then paying 2K to 3K USD in tests, Dr's visits and medications for either "previous conditions" or incidents that never met the deductible. It is like rolling the dice but so far I believe we have come out ahead.

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Post by gringal Thu Feb 23, 2023 8:48 am

I dropped Medicare for myself and husband shortly after moving to Mexico in 2004.  Since I have pre-existing conditions, the expat health care policies would be prohibitively expensive.  I've had several short hospitalizations and frequent doctor visits since then, but am way ahead financially paying out of pocket.

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