My Expat Medical Plans

One of the major challenges of expat life is making sure you have decent medical care and coverage. I’ve noticed that the 20-somethings that travel the world seldom talk about this. But I’m 57 years old and my wife is only a few years behind me, so it’s already important to us and will only be more important as the years tick past.

I’ve lived under several medical systems. I started out in Canada with its much-hyped “free” medical care. Of course, it isn’t free, because nothing is. But everyone is covered and the technology is about as good as anywhere else, more or less.

I also lived briefly under the UK’s National Health Service. I have to say I received excellent care there when I had an urgent issue that required an ambulance ride and multiple days in the hospital.

As you know, both countries have universal healthcare paid for by taxpayers. But there are problems in these systems. There are too many sick people for the budgets of these services. Wait times for care are so long they would be considered medical malpractice in the United States. “That triple bypass you need to clear those blockages? We’ll get to those in August.”

The underfunded medical services problem is occurring all over Europe. Pharmacies in Spain and Greece have not been reimbursed by the government in months. Many have closed or will only take cash for medications that are supposed to be “free.” Hospital workers, nurses, and even doctors are going on strike. Wait times at emergency rooms can stretch to many hours, sometimes most of an entire day. The wheels are falling off.  

I also lived in the U.S. for twenty years and have experience with that medical system. Medical insurance in the U.S. does not provide much peace of mind. Sky-high deductibles and big premiums are at least obvious and transparent. But the bigger issue is how often you find out the insurance company has a way of wriggling out of covering the really expensive medicines, operations, or long-term care you might need. Submitting a claim can be like buying a lottery ticket. Maybe you win, likely you don’t.

And now the Affordable Care Act (ObamaCare) is moving the U.S. toward the European system. Of course, it has a slight fascist tilt where it mandates enriching the insurance companies that help get these folks elected. But that’s for another post.

Rest assured that soon the U.S. will have the same budget shortfall issues that the other national insurance systems have all over the world. Pay more, get less.

So What’s an Expat to Do?

I want to quickly go on record that I don’t personally endorse any of these approaches to healthcare. Like you, I’m just forced to use them because alternatives have been driven from the marketplace by legal coercion. So I’m left to carve out a solution using what’s available to me.

In a way, the U.S. system and the European/Canadian systems have opposite polarities. In the U.S. I always felt like the physicians were running the meter on me. First of all, there’s always an invisible lawyer sitting in the room with my doctor and me. That lawyer is looking for excuses to sue the doctor, and the doctor knows it. So I end up paying (deductibles, co-payments, higher premiums, etc.) for every conceivable test and procedure that — if left out of my treatment — could be grounds for a lawsuit.

Add to that the fact that many physicians have to be entrepreneurial to offset the beating they take on Medicare, Medicaid, and other mandated rules. So my GP might have a 50% financial interest in the lab next door, or the radiology clinic across town. So I get sent there a lot. Maybe more than necessary. Ka-ching!

In the UK and Canada it’s the opposite. All the incentives are to spend as little as possible on each patient. There is never enough money to go around. “CAT scan? Let’s wait and see how you’re feeling next month.” You have to gripe, exaggerate, and fight for every scrap of medical care and diagnostics you can get. Yuck.

So here’s my strategy. I’m using elements of each system to try to find a workaround. We’re going to set up residence this year in an EU country, likely Ireland. We’ll be legal residents, taxpayers, and part of the national healthcare program in Ireland. By the way, that system has reciprocity with the rest of the EU, as far as urgent medical is concerned. That’s good for frequent travelers like us. We can augment the government plan with private insurance that will give us higher levels of service.

But all of that is still subject to the “you’re fine, go home” mentality inherent to government systems spending the minimum on each patient and private insurance looking to minimize claims. So we are going to visit a hospital in Thailand or Malaysia about every 18 months and pay for one of their comprehensive packages.

https://www.bangkokpattayahospital.com/en/

Listed below is what $2,800 gets you in this part of the world. And this is from an internationally certified hospital that meets the same standards that a U.S., Canada, or European hospital would meet. (Some of these are male/female specific, so nobody would get all of them – just most of them.)

This is a “grand executive” package, where you get all of these tests for $2,800. Other packages cost less:

Physical Examination

Vision Acuity, Uncorrected and Corrected

Eye Screening Examination

Dental Screening

Hearing Test

Complete Blood Count (CBC)

Fasting Blood Sugar (FBS)

HbA1c

Cholesterol

Triglyceride

HDL Cholesterol

LDL Cholesterol

Kidney Function Test

Blood Urea Nitrogen

Creatinine

Liver Function Test

SGOT – Aspartate Transaminase

SGPT – Alanine Transaminase

Alkaline Phosphatase

Total Protein

Bilirubin

GGT – Gamma GT

Blood Uric Acid

Urine Examination

Stool Examination

Thyroid Hormone : T3, T4, TSH

Thyroid Hormone : T3, T4, TSH, Free T3, Free T4

Hepatitis B Profile: HbsAg, Anti-HBs, Anti-HBc

Anti Hepatitis C Virus Antibody

Anti Hepatitis A Virus Antibody

Anti HIV

VDRL

AFP

CEA – Carcinoembryonic Antigen

Total & Free Prostate Specific Antigen

Pulmonary Function Test

Chest X-ray

ECG – Electrocardiogram

ABI – Vascular Screening

EST – Exercise Stress Test

Ultrasound Whole Abdomen

Coronary 128 Slices CT Scan

CT Chest + CT Whole abdomen

MRI & MRA Brain

Carotid Duplex Ultrasound

Sinuscope

Gastroscopy

Colonoscopy

Uroflow

Pap Smear

Human Papilloma Virus

Mammogram and Ultrasound Breast

Bone Density: 2 Parts

Hospital Stay: 1 Night

I wouldn’t have a prayer of getting all this in the EU. They won’t do any of these tests unless I’m showing obvious symptoms. And if I have all the symptoms this lists requires, I’d need an undertaker more than a doctor.

Yes, I could likely buy all of these in the U.S., but I see single items on this list that could cost $2,800 by themselves. I can’t imagine what the whole list would cost.

This isn’t something we need to do often. And some of these tests use radiation that you don’t want often anyway. But when something shows up as a potential problem, I can return to my residence and have it looked at – based on the black and white medical evidence I can show my doctors. Or, I can just pay to have the procedure done in Thailand or Malaysia where it’s cheap, fast, and about the same quality.

This is a hybrid plan that is the best I can figure out in our crazy world of medical care. A national plan run by some government, augmented with private insurance to deliver higher levels of service, and safeguarded by visiting another country to pay for comprehensive medical diagnostics that will identify serious problems early.

Being a long-term expat is what forced me to come up with this strategy. But it would work for anyone who just wants better healthcare and is willing to take personal responsibility for making it happen, rather than hoping a politician will save them.   

Pete Sisco is a digital nomad, author, lifetime entrepreneur, and an expat with a passion for individual freedom. He and his wife have lived in a dozen countries. For Pete’s advice on building durable online income as a path to independence and freedom, visit his site: http://www.resilientpersonalfreedom.me/about-us/