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Post by mudd on Oct 29, 2018 15:34:20 GMT -5
I have options in regards to cedula - could get one if I plan to spend more than 180 days in country - but until i reach that point probably won't - unless insurance coverage makes the cedula more enticing - would have to weigh a cedula vs the potential tax hit. Getting coverage without one is interesting idea. I already get all most all of my healthcare done in Medeliin - just pay cash - still cheaper than US even with insurance. i had a nose procedure done in the US, so could breath after 20 years,, cost me out of pocket ( with insurance $5000) should have had it done here, even without insurance, going to one of the top specialists in poblado would have only cost me $3000 without insurance.
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Post by jabberwocky on Oct 29, 2018 16:50:34 GMT -5
Just an an example - it's benefits renewal time for 2019 with the bank - we have a pretty good program where they kick in a large chunk of the costs - but in saying that my monthly costs for the family - is around $600 ( premiums)- individual deductibles are $3K per person with a $6K deductible for the family - in my lifetime I have never hit $3K in medical expenses in one year - wife has though. Healthcare costs in the US have been out of control for a while - we buy any expensive medicine on-line through Canada or when we are in Colombia. I think going forward you will see more Americans relocating to countries that offer decent affordable medical care.
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Post by ozgringo on Oct 29, 2018 19:56:19 GMT -5
Just an an example - it's benefits renewal time for 2019 with the bank - we have a pretty good program where they kick in a large chunk of the costs - but in saying that my monthly costs for the family - is around $600 ( premiums)- individual deductibles are $3K per person with a $6K deductible for the family - in my lifetime I have never hit $3K in medical expenses in one year - wife has though. Healthcare costs in the US have been out of control for a while - we buy any expensive medicine on-line through Canada or when we are in Colombia. I think going forward you will see more Americans relocating to countries that offer decent affordable medical care. That is just crazy. $600 a month. Significantly cheaper here in Oz. Most expensive medicines are subsidized by the government. For example the medication my wife takes (subsidized) are a quarter of the price in Australia than what her friend in the US pays with apparently good insurance. Note: we had to buy the medication privately in Colombia as her insurance company coomeva was very limited in the medication it covered.
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Post by jabberwocky on Oct 30, 2018 8:27:52 GMT -5
$800/month in 2019 - but on a lighter note - the life insurance is still cheap - and if I kick the bucket because of an accident - the wife gets double - she then can be a rica in a penthouse in Poblado - I will be checking my brakes more often on the moto before I head out in 2019.
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Post by elexpatriado on Oct 30, 2018 9:36:43 GMT -5
Just an an example - it's benefits renewal time for 2019 with the bank - we have a pretty good program where they kick in a large chunk of the costs - but in saying that my monthly costs for the family - is around $600 ( premiums)- individual deductibles are $3K per person with a $6K deductible for the family - in my lifetime I have never hit $3K in medical expenses in one year - wife has though. Healthcare costs in the US have been out of control for a while - we buy any expensive medicine on-line through Canada or when we are in Colombia. I think going forward you will see more Americans relocating to countries that offer decent affordable medical care. That is just crazy. $600 a month. Significantly cheaper here in Oz. Most expensive medicines are subsidized by the government. For example the medication my wife takes (subsidized) are a quarter of the price in Australia than what her friend in the US pays with apparently good insurance. Note: we had to buy the medication privately in Colombia as her insurance company coomeva was very limited in the medication it covered. They dont cover prescriptions in Canada or Colombia (unless you are on welfare, a recent immigrant, a refugee or an illegal in the case of Canada) EPSs cover essential life threatening medicines and Medicina Prepagado when you are hospitalized. I just paid 450 mil pesos for my girlfriends dermatoligical prscription. But that is rare, Usually 100 or 200 mil here and there. I spend nothing on prescriptions. for myself. Just vitamins Medicne prepagada is expensive at my age 550 mil pesos a month, Even though I never use it. Some Expatguys scrape by on EPS. I sure wouldnt.
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Post by elexpatriado on Oct 30, 2018 9:40:24 GMT -5
So how much did you spend last year total on healthcare Jaboworky
Insurance, plus out of pocket expenses?
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Post by gallito on Oct 30, 2018 11:31:13 GMT -5
My yearly costs for pension health insurance is less than $1000/year.The extended health package is included in mine (pricsriptions etc)dental are 70% coverage,pay 30% costs We have BC Pharmacare,health care costs are picked up for those who qualify based on your annual income.
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Post by elexpatriado on Oct 30, 2018 13:17:22 GMT -5
My yearly costs for pension health insurance is less than $1000/year.The extended health package is included in mine (pricsriptions etc)dental are 70% coverage,pay 30% costs We have BC Pharmacare,health care costs are picked up for those who qualify based on your annual income. I guess not enough border jumpers in BC ..yet
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Post by ozgringo on Oct 30, 2018 20:39:15 GMT -5
That is just crazy. $600 a month. Significantly cheaper here in Oz. Most expensive medicines are subsidized by the government. For example the medication my wife takes (subsidized) are a quarter of the price in Australia than what her friend in the US pays with apparently good insurance. Note: we had to buy the medication privately in Colombia as her insurance company coomeva was very limited in the medication it covered. They dont cover prescriptions in Canada or Colombia (unless you are on welfare, a recent immigrant, a refugee or an illegal in the case of Canada) EPSs cover essential life threatening medicines and Medicina Prepagado when you are hospitalized. I just paid 450 mil pesos for my girlfriends dermatoligical prscription. But that is rare, Usually 100 or 200 mil here and there. I spend nothing on prescriptions. for myself. Just vitamins Medicne prepagada is expensive at my age 550 mil pesos a month, Even though I never use it. Some Expatguys scrape by on EPS. I sure wouldnt. We had coomeva eps and prepagada when we lived in Colombia. In the 3.5 years i lived in Colombia I never went to the dr. The dentist on 2 occasions. My wife went about 20 times. She has to take a few medicines every month. Interesting when we moved to Australia she saw a specialist to go over her medicines she was getting in Colombia and the Dr in Oz said we stopped using those drugs about 5 years earlier. They are subsidized here and only cost us about $35 AUD a month. Her friend in the states pays $150 USD a month after her insurance for the same medication. Having said all that we are relatively healthy and haven't yet needed any elective surgeries in Australia. Sure they would be a lot cheaper in Colombia. Probably the care would be as good. Dental is expensive in Australia. My wife got some of those see through , clear braces. Will end up costing about $6000. Probably double Colombian cost.
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Post by elexpatriado on Oct 31, 2018 0:02:49 GMT -5
ISZ it only me , or alL these Coombianaa even the one s 30 or 40 years younger than me, all have to take these drugsfor varios ailments and are sick all the time?
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Post by búfalo on Oct 31, 2018 21:57:25 GMT -5
Funny, they all have gastritis and supposedly none can get pregnant.
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Deleted
Deleted Member
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Post by Deleted on Nov 1, 2018 6:26:09 GMT -5
Funny, they all have gastritis and supposedly none can get pregnant. In all fairness they do eat alot of beans.
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Post by jafo19d on Nov 3, 2018 6:45:10 GMT -5
I have options in regards to cedula - could get one if I plan to spend more than 180 days in country - but until i reach that point probably won't - unless insurance coverage makes the cedula more enticing - would have to weigh a cedula vs the potential tax hit. Getting coverage without one is interesting idea. I already get all most all of my healthcare done in Medeliin - just pay cash - still cheaper than US even with insurance. i had a nose procedure done in the US, so could breath after 20 years,, cost me out of pocket ( with insurance $5000) should have had it done here, even without insurance, going to one of the top specialists in poblado would have only cost me $3000 without insurance. Mudd, sorry for going off topic but how did you decide that you needed surgery? It seems like one of my sinuses is always clogged up.
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Post by mudd on Nov 3, 2018 7:28:43 GMT -5
i had a nose procedure done in the US, so could breath after 20 years,, cost me out of pocket ( with insurance $5000) should have had it done here, even without insurance, going to one of the top specialists in poblado would have only cost me $3000 without insurance. Mudd, sorry for going off topic but how did you decide that you needed surgery? It seems like one of my sinuses is always clogged up. no problem, couldt breath out of my nose for 20 years,, its a long story, but to sum it up, went to my doctor in US, idiot said i had allergies, which i dont. so he prescribed a over the counter allergy medicine, well of course didnt work. so went to a nose specialist in medlelin, took him 5 minutes to see " you have two problems, polyps and thick nose membrane. prescribed a medicine for polyps, which disappeared, but still hard to breath, so had the nose surgery done. wasnt too bad. now no problems. was an open mouth sleeper for 20 years, gums were drying out, dentist told me to get it fixed,or start having problems with the teeth
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Post by wildstubby on Nov 3, 2018 10:51:55 GMT -5
mudd said: All I can say is that you had the wrong plan and wrong doctor. I had serious sinus issues. Constantly taking antibiotics due to infections, decongestants, (iophen), fever and stabbing needle-like pain in my maxillaries. This stuff had been going on all my life. The health plan I had (HMO) prior to the 'Obama-nation', went to see an ENT, who said my 3 sinus ports were completely closed and the 4th was partially obstructed. On top of that, I had a deviated septum that caused him to use a 'natal' scope to look inside my nasal cavity. 4 hours on the operation table and 3 weeks off of work, and I never had another sinus infection again!! The good part: Only had to pay $100 out of pocket up front! Everything including follow-up visits were covered! Best money I ever spent!
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Post by elexpatriado on Nov 3, 2018 12:00:04 GMT -5
Mudd, sorry for going off topic but how did you decide that you needed surgery? It seems like one of my sinuses is always clogged up. no problem, couldt breath out of my nose for 20 years,, its a long story, but to sum it up, went to my doctor in US, idiot said i had allergies, which i dont. so he prescribed a over the counter allergy medicine, well of course didnt work. so went to a nose specialist in medlelin, took him 5 minutes to see " you have two problems, polyps and thick nose membrane. prescribed a medicine for polyps, which disappeared, but still hard to breath, so had the nose surgery done. wasnt too bad. now no problems. was an open mouth sleeper for 20 years, gums were drying out, dentist told me to get it fixed,or start having problems with the teeth Wouldnt be that good for Yoga if hoy couldnt breathe.through the nose.
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Post by mudd on Nov 4, 2018 15:13:26 GMT -5
mudd said:All I can say is that you had the wrong plan and wrong doctor. I had serious sinus issues. Constantly taking antibiotics due to infections, decongestants, (iophen), fever and stabbing needle-like pain in my maxillaries. This stuff had been going on all my life. The health plan I had (HMO) prior to the 'Obama-nation', went to see an ENT, who said my 3 sinus ports were completely closed and the 4th was partially obstructed. On top of that, I had a deviated septum that caused him to use a 'natal' scope to look inside my nasal cavity. 4 hours on the operation table and 3 weeks off of work, and I never had another sinus infection again!! The good part: Only had to pay $100 out of pocket up front! Everything including follow-up visits were covered! Best money I ever spent! yep wrong insurance provider and shitty doctor. but unfortunately, many now in the US suck. they want to prescribe pain killers, antibiotics, steroids and send you out the door, instead of fixing the problem.
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Post by jabberwocky on Nov 4, 2018 15:43:21 GMT -5
Have always liked my medicos in Colombia , my GP , I see her twice a year , so blood work to check on cholesterol, she spends time to talk with me , my dermatologist - 2x year - checking for skin cancers , easy to see and get into a routine of check ups with her , podiatrist- spent an hour analyzing some pain , solves problem - in US - charged 4 times as much and solved nothing - total misdiagnosis, dentist has been pretty good but one implanted failed , which is not uncommon , will get it fixed under warranty In US they only seemed interested in who your insurance is with, if something comes up and need to see someone quickly you have to go to a outpatient clinic where it’s a crapshoot if you get an MDrhat has a clue or can even speak English - I don’t speak Hindi , my wife spent 3 nights in the hospital this year due to a infection that could have been handled at home with antibiotics, total cost $60k according to bill, our part about $4k , it’s a racket
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