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Can I get some search words to research Health Insurance options.


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I probably need to get educated quick. Plan on moving there in a few months. Not married yet and would be on the 90 day (?) Visa.

 

I am in my 50's and currently on COBRA but is costing me $270 a month Carefirst BC/BS plus some copays and $1,200 a year deductible. So that would be a lot more than my rent at least what I'm thinking  LOL. This will also probably go up moneywise or deductible wise. I have been on COBRA since March 2013.

 

I do have pre-existing conditions:

TYPE II DIABETES but is under control it seems now that I hit the gym hard. I take METFORMIN HCL ER 1,000 mg twice a day.

 

I also have an ARRHYTHMIA condition again it's under control with a BETA BLOCKER (ATENELOL 25mg 1 a day)

 

LIPITOR 10mg a day and maybe get off it. Used to be 20mg a day.

 

DIOVAN 40mg a day  I'd like to get off this. My blood pressure is great now.

 

Could you point me to some links or threads that you think would help me in my situation.

 

My GF looks like  I should get her on PhilHealth. No pre-existing conditions. Right ?

 

Off topic a little, which forum is the best to find good Dentists and Doctors ? We should, IMHO, have one forum just for that. It seems it can be in many places.

 

I went for a prophy cleaning (Dentist) in Tabunuk  Gaisano . Although very cheap (800 pesos ?) , what a joke. They used some old waterpick (my guess)  with no power. LOL     I got some PERIO issues so I need much better cleanings probably 3 or 4 times a year.

 

Anyways appreciate hopefully to the point info.

 

thanks

Edited by fluke
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Brucewayne

I probably need to get educated quick. Plan on moving there in a few months. Not married yet and would be on the 90 day (?) Visa.

 

I am in my 50's and currently on COBRA but is costing me $270 a month Carefirst BC/BS plus some copays and $1,200 a year deductible. So that would be a lot more than my rent at least what I'm thinking  LOL. This will also probably go up moneywise or deductible wise. I have been on COBRA since March 2013.

 

I do have pre-existing conditions:

TYPE II DIABETES but is under control it seems now that I hit the gym hard. I take METFORMIN HCL ER 1,000 mg twice a day.

 

I also have an ARRHYTHMIA condition again it's under control with a BETA BLOCKER (ATENELOL 25mg 1 a day)

 

LIPITOR 10mg a day and maybe get off it. Used to be 20mg a day.

 

DIOVAN 40mg a day  I'd like to get off this. My blood pressure is great now.

 

Could you point me to some links or threads that you think would help me in my situation.

 

My GF looks like  I should get her on PhilHealth. No pre-existing conditions. Right ?

 

Off topic a little, which forum is the best to find good Dentists and Doctors ? We should, IMHO, have one forum just for that. It seems it can be in many places.

 

I went for a prophy cleaning (Dentist) in Tabunuk  Gaisano . Although very cheap (800 pesos ?) , what a joke. They used some old waterpick (my guess)  with no power. LOL     I got some PERIO issues so I need much better cleanings probably 3 or 4 times a year.

 

Anyways appreciate hopefully to the point info.

 

thanks

Go to the dentist upstairs at Park Mall if you want modern style dentistry.

Cleaning there is around P1,500, but they do have and use modern equipment and even do minor dental surgery.

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WOW a little high for the Philippines. I just went to Univ of Md. dental school in Baltimore with all the latest and up to date equipment and methods and a professor checking over the work  $53. Did most of the cleaning with a PIEZO dental scaler. OK I am open to more recs but I would gladly pay that over the Gaisano mall place.

 

thanks

Edited by fluke
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I am guessing you have read the archives here and have some understanding of your choices of visas and alternative ways to move here. Since your post makes reference to costs, bear that in mind as you consider how you intend to extend your stay here. Visa renewals cost money, not to mention the associated hassle.

 

As to health insurance, I recall there were posts about various other health insurance plans available to you. If you expect to have your home country insurance continue, be sure you are clear about overseas benefits. There may be restrictions.

 

Medicines are not always inexpensive here. Generics can be had, but not really sure if that applies to you. Name brand stuff will often be surprisingly costly. I think some members have even posted a price list of several drugs they knew of.

 

Since you made such a list of medical issues you have under control, I am guessing you have medical advice from doctors and such where you are now. You will probably want to continue that and there are many good choices of specialists from those who treat diabetes to cardiologists. Costs are lower than many other places, but that may mean it is all out of pocket as a copay on your insurance. In effect, you pay as you go until you have a major expense.

 

Again, there are a lot of posts about that in this forum. This is a great place to be informed about things like this.

 

As to your comment about the dentist, again, there have been some super posts about several dentists doing good, inexpensive work. However, don't be surprised if they have some pretty basic clinics. I just had a cleaning done for 500 but I live in the provinces. It was good quality in my opinion.

 

 

 

 

 

.

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Sorry, I am a little lazy I guess. I am kind of looking for advice. I figure there are people here in my situation. Also it seems that some of the forums overlap maybe. Yeah I kind of agree that where a dentist is located is important. If the location is convenient it is worth something and I guess the more urban the higher cost. I am looking to live in the Talisay/Minganilla area and I might have to go to SM Mall or Ayala for care. I can deal with this but which forum is best to get recs for doctors and dentists ???

 

VISA - I'll check but thought I had to renew like every 9 months and leave the country for a day. Just my rough recollection. Part I don't want to deal with is why do I have to have a round trip ticket ? I don't know when I'm leaving. I guess I can show them a ticket to HK 8 months out in place of ? Also don't know how they will handle my income situation because I will be living off savings for the most part although I'm going to attempt an on-line bookkeeping service for the U.S. if I can figure out the business model  LOL.

 

Health Insurance - again  I was hoping for peoples advice. There has to be American ex-pats who know the system and can understand what my needs are and point me to a few choices as well as telling me to stay away from certain companies that are disreputable.

 

Thanks

Edited by fluke
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On health Insurance, visas, business info etc you might wish to contact a member of this forum name (Paul) Ancienrocka who runs a service for expats called Cebu Expat Services

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