Live Q&A: Expat Health Insurance Options
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- čas přidán 26. 08. 2024
- Join me and Alex Routh as we discuss expat health insurance options. Come with your happy hour drink and your questions ready.
Alex is an expert on navigating the policy details that can mean the difference between covered care and being stuck in red tape.
You can get Alex's ebook with in-depth answers to questions in advance if you'd like: www.worldexpat...
Support this channel by buying me a margarita over at www.buymeacoff...
The Mexico Relocation Guide is the perfect resource for moving to Mexico. We've partnered with them and you can get the guide here: mexicorelocati...
Gotta love the alcoholic toast at 36:00 in the middle of a health care discussion.
I love this guest! He came at this issue from an angle I haven’t seen covered…and I’ve watched aLOT of insurance videos. Thanks guys!
Thanks for watching and sharing your comment!
Another great video with very helpful information. Thanks Brighton!
My pleasure!
Wow, what a value added video, no BS straight forward. Looking forward dealing with Alex. Thank you for posting this.
Glad to share Tony
I'll definitely give Alex a call when we're ready to purchase inpatient health insurance for Mexico. Great Vlog amigos!
Thank you for addressing the health insurance topic! It's such a major stressor when living in Mexico, especially when a motorcycle whizzes through a red light and almost hits you. The cultural, communication, and language barriers here make it super difficult for an American or Canadian to know when they are getting a good deal and when they are paying for being completely unprotected. For those like me, this is the type of thing that is probably best purchased from a native English speaker who can understand the nuances of my questions, and who can effectively communicate answers without empty promises. I really appreciate you and your guest, and I am going to read the ebook this weekend!
Tell us what you think when you've read the book!
Thanks Spencer - I didn't think about the "native english speaker" aspect. Probably best to buy from someone from the states because the Mexican culture doesn't want to disappoint, so they will say "yes" to make you happy, but they know the answer is actually "no." It's just how the culture works - but expats are more used to people being direct with them so we can misinterpret their politeness!
@@AlmostRetiredinMexico For anyone who is not familiar with the "Yes often means No" aspect of Mexico communication culture, here is a recent example...I asked this question to a Mexico insurance agent last week: "Can I choose any dentist I want?" The answer was: "Of course! You can choose the ideal dentist for each member of your family. As long as they are within our network of service providers." Neither of our dentists (adult, child) are in the network. So, the answer was very much No, but he began with "Of course!" even though he knew the answer was very much "No."
@@alexrouth4341 Thank you for doing the presentation. I got a quote last night. I need to discuss with my wife and we will be in touch this week.
@@spenceronyoutube the old yes/no. One of Mexico's delights hahahaha
Extraordinarily helpful. Been planning to move to Mexico (possibly Panama) and health ins. is hands down the bigget obstacle. Especially for a soon to be federal government retiree, with two almost useless, yet expensie health care "options" for an expat who would prefer not to return to th US for treatment if at all possible.
You've got golden handcuffs even in retirement! But Mexican healthcare is inexpensive, so you could pay out of pocket unless something serious happens - then you could return to the US.
@@AlmostRetiredinMexico Gold denotes value and right now I'm not convinced of the value. What's not in question is the expense! I started looking at your channel.
Example:
You dont need insurance in Mexico.
Why?
Anything that costs you more than 10k USD out of pocket, will kill you.
They do not have regional stroke centers. You get a CPE in MX and you will never make it to a place to get the life saving anticlot drugs before you are dead.
So just pay out of pocket and accept the risk.
@@sammencia7945. I didn’t understand this post. I’m sorry.
@@AlmostRetiredinMexico That's a risky strategy. For example, have a heart attack, need heart surgery, you're in no position to travel back to the US. Mexican hospitals will demand cash payment upfront.
Very knowledgeable! Thank you.
I just read Alex's book (after stumbling upon the live video yesterday) and it is awesome ! I never found this info online even after looking for months and researching this topic. I thought geo blue and vumi were top notch - and they have been recommended by other brokers I contacted... now I read Alex's book or listened to the discussion and I pause...hmmm...I wish all brokers would go so in depth!
Yes! Once I read the ebook I knew I needed to have him on the show. I thought GeoBlue sounded great too - until I heard it’s just branded by Blue Cross.
Well, the biggest reason I wrote the book was as you say, it is almost impossible to find any meaningful information on the subject of expat health insurance on the web. If anything you end up more confused and perplexed if you try researching things on the web. Thanks for your kind words!
@@alexrouth4341 Thank you for spreading the word :). Will contact you to discuss in a few weeks...
Excellent and informative video, we are shoping for expat health insurance and Alex informations are very helpfull.
Glad to hear it!
Just got a quote from Allianz for my wife and me. $5k deductible $688/mo. Seems very high for a high deductible plan.
Healthcare & Corporations are ALL money making businesses in the US. have been researching how to move OUT. I unfortunately cant retire quite yet, & I cant work from home. I have heard several places are good for US to move to Portugal being number one, then Spain. I recently heard and CR, Belize, & Mexico also being a good Country to move too. I am doing some research now. My main issue is having good heath care & cost. thanks
We relocated to Morelia a year and a half ago. We found that it was cheaper to pay out of pocket for medical treatments than for premiums. Only carry insurance for catastrophic cases.
Great advise Russell
High deductible insurance in Mexico is very expensive too.
@russellbarnes7728 Would you mind sharing which company you purchased catastrophic care from (for coverage in Mexico)?
This video is the best! Thank you!
That was the most brutal video to watch but the most enlightening! I got a yrs worth of coverage via Vumi for $1900 and then travel insurance for for 4 months for $500. I almost used it over the weekend but….thanx for a jaw grinding video 👊🏼😂
I do what I can. Glad you didn't need your insurance!
They also serve up supper in Oklahoma and the South Brighton.
Ahhh - good to know!
Thanks!
You're welcome - and thank you for the tip!
I have a question. I am currently on Medicaid because I have multiple pre existing conditions (Cerebral Palsy, Mild Autism, etc) that make it hard for me to function.
I was wondering if I'd be able to live in a country like Mexico (or any other country for that matter) besides the one I'm currently living in with multiple conditions on my record.
You'd need to reach out to Alex for that answer: www.worldexpathealth.com/
Supper, from SC
I would love to talk to Alex, I too am Canadian and need help in regards to this...how long can you buy travel insurance for? 6 months? if you were to come home or do we have to be back in 3 months...its the only thing that stops us from traveling the globe..there is always a halt...when it comes to health insurance...and I am drinking water!...coconut sounds good!
Terryanne - you can reach Alex through his website www.worldexpathealth.com/. Best of luck on traveling the globe!
a lot of other videos are more to the point
That’s cool. This was an interview. So it wandered a bit.
I watched, I saw, I heard, Good info. P n D
Hopefully with a "Morning Marg" for AM happy hour.
@@AlmostRetiredinMexico Don't forget the time difference
Just found a local (legal) distillery that has a Vodka line. The best 1 so far has a full vanilla bean inside the bottle. It's gr8 with lime Bubly. (the 1 advertised by the singer) To quote the locals it's Some Goooood .
@@davebaker489 Sounds yummie! And I forgot you are nearly central European time in that part of Canada!
@@AlmostRetiredinMexico Yup (kinda) the sun rises 4 hrs earlier here than Portland.
I’m having some Josh Cab while watching this video a little later than Live. 😁
Ah - sounds wonderful!
You would think the United States of america would have the best healthcare and health plans but they don’t. Very expensive, misleading and often confusing.
Yes - it seems like I’m the US, nothing is more important than money :-(
@@AlmostRetiredinMexico I don’t understand that concept because there’s enough money for everybody to make but they don’t want everybody to make money. If they cared about money so much why do they want to get rid of their own cash?
I feel like they purposely make all the important things complicated.
Insurance. When to take social security. Tax laws.
Same with private health insurance in Mexico. Expensive, full of tricks and exclusions.
These seem awfully glib, like infomercials.
Old dude is arrogant and patronizing.
OK
The problem with young people is they often mistake erudition for arrogance and because of that, they don't listen.
I think he just lacks camera presence. I don’t think he was being rude.
@@VoiceoverMomentum Before this video I was a CZcams virgin!