Quote:
Originally Posted by NALEM
I will share some advice with you that worked for me:
I'm getting old, and am grossly overweight. While I make pretty good money, and under duress can pay a 800+ USD monthly premium for health insurance, I prefer to apply the annual premium of 10,000 USD (before any co pays and deductibles are factored in) towards traveling, and helping out family when needed.
During my frequent international trips I manage a lot of my health checkups and preventative care for the same cost as I would of had to pay the additional out of pocket, while still having the regular insurance fees.
Mexico - I visited a Urologist, tests included for 40 USD.
Moldova - I had a panoramic dental x-ray completed 12 USD, a complex molar removed by a oral surgeon for 60 USD.
Ukraine - I had a molar section rebuilt and three small cavities managed for around 40-45 USD.
Thailand - varicose veins removed with post care medical supplies provided for about 200 USD.
Colombia - deep teeth cleaning and polishing down front teeth for edges to be smooth, 35 USD.
Hungary - cardiologist with full testing 85 USD.
There are dozens of countries that have excellent facilities and educated doctors to provide the services you need, for a fraction of the price you'd pay in the US.
Family wanted some dental implants but didn't have the money. I referred them to the University Dental school. They quoted 36,000 USD. That was at the school, and didn't cover everything.
Due to Covid-19, travel options were limited. Ended up in Colombia paying 12,000 USD. Four different specialist within the same office took care of the process, did more work (root canals plus extra implant and crown) for a 1/3 rd the price at the US University. Private Practice Dental would ask close to 50,000 USD. Btw, the Colombian doctors where not in some poor barrio/ghetto, but in Zona T with wealthy Colombian clients.
Last piece of advice. Whatever assets you have, put them into a Trust that you control. Legally the Trust owns the asset not you. You only manage the asset on behalf of the Trust. Now you are poor. The same goes for income. Set up a company for billing clients and collecting revenue. There are ways to be poor on paper, and qualify for the public insurance benefits that exist.
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I went to dentist in several countries, in the end when you look at the price it is not that much different from Netherlands. Or you must go to the local that doesn't speak English.
Crowns are made in Thailand by hand and cost 250 usd. In Holland they let them 3d-printed in China for 90 USD. So in the end the higher hourly rate is compensated by new techniques. And the prices are standarized in Holland how much a crown should cost or cleaning. Cleaning was 40 euro in Holland, 30 euro in Mexico.
I am insured around the globe, including Covid, for around 200 usd a month. I don't have dentist insurance, costed more than i would profit from it. In Holland i would have paid around 600 usd a month for insurance. (healthcare is not free in Holland like some people think).