Health Insurance Costs for Expats 65 and over !!! Pacific Cross Insurance!!! Great Insurance!!!
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- čas přidán 13. 09. 2024
- Basic prices for 65 years on up !!! Insurance from Pacific Cross Blue Royal Premier. www.pacificcro.... Or Contact Arnielle Bihag the Agent at: pacificcross.insurance07@gmail.com
The bad thing about getting older. Healthcare gets more expensive. Thanks for the video. God bless.
Thanks 🙏🏻
@@MrSteven5975 Didn't know if you heard that Veterans Benefits and social security Benefits will have there stimulus money on the 7th.
I'm from Australia, $10k out of pocket and reduced rates would suit me fine, truth is, if I am that sick I would go home and get the treatment for free. Sometimes we just have to accept reality for what it is. Cheers John
Treatment for free? Makes me wish I was Australian....
@@johng5950 NOTHING IS FREE you pay for it with taxes!!
I’m from UK so similar thoughts but what if it’s a heart attack, stroke, broken limbs or pandemic 😷 lockdowns that prevent travel? I’m not sure that a high deductible and getting flight ✈️ is the whole answer although it may be an option?
The problem is if you have an emergency such as a heart attack or other issue that prevents you from traveling.
Good vid Steve 👍
At least someone is talking about the insurance issue
As long as your relatively Healthy.....You can just keep your Medicaid & Get a Dr who does the online visits & have your prescriptions filled in USA & Sent to you If you get really sick you can head back home or see if it's cheaper to have any procedures done in the Philippines, Thailand..ect
Fear not. Invest your money instead of paying the skyrocketing cost of healthcare insurance. When you live in pretty healthy places in the Philippines most likely you’ll enjoy and live quality life. That’s a good investment. Isn’t it?
I think a lot of expats that retire in the Philippines have no delusions about living to some ripe old age you give good advice Steve but everyone is different some people are miserable in there home country and really don't care about the safety net that you preach they live for today
In my opinion, health insurance becomes a total rip-off when you've over 65. I decided to self insure at age 60. I put 500,000 Thai baht in a savings account, and I top it up 50,000 baht a year. It's now up to 750,000 and earns 1.5% interest annually.
Wow, i would be more worried about getting to the hospital in time if you have a heart attack or stroke, i think i prefer to have emergency money and have a car in your drive with a family member who can drive you to the hospital in time., or at least a trike stand nearby, any other issues go back home to have it looked at.
Ambulance?
i was quoted $3200. After applying i was rejected cause of blood pressure. Good plan if your completely healthy but waste of time if you have any problems.
Hi I am Sir Steve Medical Insurance agent from Pacific Cross for almost 4 years.I can send you a quotation proposal for your comprehensive coverage.You can email me your date of birth at pacificcross.insurance07@gmail.com or contact
I have been in the Philippines 4 years now. If you are relatively healthy need to go to the hospital for small things. It is not worth paying for the insurance, I was dehydrated november of last year. That trip to the hospital IV, Medicine cost me about 2,000 Peso like $40.00 US dollars, just save your money instead of helping the insurance company benefit from it.
Hi Steve the Nomad travel insurance is about 110$ a month for 50 years old and it covers most and the insurance travels with you over borders.
Best insurance in the Philippines is CASH! How do I know I’m a former Expat that lived there 29 years and I married to a doctor. Learn the language is very important
For those who have retired from the military, there are several options civilians don't enjoy...Medicare + Tricare for life + any other medical insurance you can pick up for a reasonable price might be doable. I'm pretty sure Guam accepts Medicare as they are part of the US. You may have to pay up front before insurance will reimburse you. There isn't much life that is free.
I’m 66 in June. Your suggested plan is about what I would pay for Medicare (after working 40 years) parts A and B. Where I am I budget $500 per month for medical insurance.
Thanks Steve....more great information you have supplied. Always look forward to your vloggs. I'm retired now and had my COVID vaccines along with having my emergency fund saved and money saved for initial arrival costs. I am lucky and have Filipino friends who I have met twice on earlier visits. They have a vacation home in the Tagaytay area so I am thinking that is where I will start out at. Hope to see you one day.
Hi Sir I am Sir Steve Medical Insurance agent from Pacific Cross for almost 4 years.I can send you a quotation proposal for your comprehensive coverage.You can email me your date of birth at pacificcross.insurance07@gmail.com or contact me at 09487366329 / 09366060234. Thank you.
Thanks for this! Health care is major worry for ex pats and this helps and is on point.
Hi Sir I am Sir Steve Medical Insurance agent from Pacific Cross for almost 4 years.I can send you a quotation proposal for your comprehensive coverage.You can email me your date of birth at pacificcross.insurance07@gmail.com or contact me at 09487366329 / 09366060234. Thank you.
Great video Steve..I would choose the 5,000 deductible to lower the monthly cost
Or TAL is a 25% discount
@@MrSteven5975 Hi Sir I am Sir Steve Medical Insurance agent from Pacific Cross for almost 4 years.I can send you a quotation proposal for your comprehensive coverage.You can email me your date of birth at pacificcross.insurance07@gmail.com or contact me at 09487366329 / 09366060234. Thank you.
what about travel health insurance i see available from various companies? Patriot International, Atlas International, etc.???? I have quotes for someone my age, seems a lot cheeper . . . do these companies have access if you go to a hospital?
Thanks for the information! You always offer great advice - obviously from a person with a lot of common sense (kind of a rarity these days). Great job!
Thanks 👍✌️🙏🏻
My parents are planning on moving to the PI but are worried about insurance. what would it be for them father(83)mother(62)
(onepeleton30secsads,upscapital15secsads)Thank You for sharing some bits of your insurance /previous insurance(s) that you've had experience with. This bit of info helps a lot during our sifting through the mazes of health info in the Philippines.
Just save up your money for Emergencies. $30-40k goes a long way for medical bills in the Philippines unlike in the US.
This is a very expensive medical plan, there are a number of options available in the Philippines that would provide more than adequate coverage for IP (in patient) only, out patient coverage is not necessary as the vast majority of the insured would not use it. Look around, as there are many options available.
I’ve shopped around and most make you pay the hospital then submit the bills. This pays the hospital if it’s one of the ones they work with. That’s a huge benefit here.
Useful information I was unaware of Pacificcross. For us under 75 years old who would choose a high deductible the monthly price is reasonable for catastrophic coverage.
Yes it is.
Hi I am Sir Steve Medical Insurance agent from Pacific Cross for almost 4 years.I can send you a quotation proposal for your comprehensive coverage.You can email me your date of birth at pacificcross.insurance07@gmail.com or contact
you didn't mention ANYTHING about the peso plan what is not bad at all and will help many people.!
I have a few times in the past
limited coverage area excludes the USA and 1 or 2 other locations but right now I can't remember off the top of my head.
That is good to know about the insurance
Glad it helps
Some of those numbers you gave are really expensive, perhaps will eventually become highest expense. How can people expect to live / retire there on one a thousand or two a month when insurance alone is so expensive as one gets older? Gives reason for real pause. Quite surprised since healthcare there is so inexpensive overall.
Thanks Steve 🙏🐺
Thanks for doing this informative video Steve
Glad it helps
Hi Sir I am Sir Steve Medical Insurance agent from Pacific Cross for almost 4 years.I can send you a quotation proposal for your comprehensive coverage.You can email me your date of birth at pacificcross.insurance07@gmail.com or contact me at 09487366329 / 09366060234. Thank you.
Those 75+ prices seem more like policy prices in the US, quite disappointing
Definitely!!! But these guys keep pushing these low ball budgets that will kill older expats here.
I plan on living to 100, so now I’m thinking $3,000 a month is not going to be enough even with savings, start up fund, ForEx fund, and inflation fund.
It should be enough if you bank some if you are 50-65.
I am dual citizen can I keep my American insurance and use this in the Philippines if I retired
Hi I am Sir Steve Medical Insurance agent from Pacific Cross for almost 4 years.I can send you a quotation proposal for your comprehensive coverage.You can email me your date of birth at pacificcross.insurance07@gmail.com or contact
Hi Sir I am Sir Steve Medical Insurance agent from Pacific Cross for almost 4 years.I can send you a quotation proposal for your comprehensive coverage.You can email me your date of birth at pacificcross.insurance07@gmail.com or contact me at 09487366329 / 09366060234. Thank you.
This video is very important for seniors over 66 . The combined impact of Forex, Inflation, and Health Insurance prices makes retiring to the PH quite expensive . Looks like that for a 70 or 80 years old, 1500 USD a month is not enough, 3K USD a month would make more sense, even if the guy is single with no gf .
That’s why I push the $2-3K Sweet Spot Budget I recommend and came up with that covers everything pretty well.
@@MrSteven5975 - sweet spot doesn't help those who can't reach it, but still want to come. not everyone is as great as you are, but how about helping those who ARE coming and aren't as fortunate as you've been.
Dude, don't even THINK that anyone will help you abroad, not gonna happen.
4:45(carinsnetwrk1minsads,echelon30secsads)health insurance is a part of the healthcare I'm interested in (1%ofthe whole issue, but I am interested in is pharmacy list of meds does the pharmacy get ALL the meds listed in Malaysia DOH pharmacy meds 1stworld prescription pharmacy pills ...I will have to find out ) preeexisting conditions is also important if we switch to this later on...
I went to all these websites after you and the Filipina Pea did videos on them. Peso Plan I also found as the best. Although I can’t find how much the increase is when you add a dependent.
Email them
Hi Sir I am Sir Steve Medical Insurance agent from Pacific Cross for almost 4 years.I can send you a quotation proposal for your comprehensive coverage.You can email me your date of birth at pacificcross.insurance07@gmail.com or contact me at 09487366329 / 09366060234. Thank you.
Makes me want to fly to Hawaii and get my surgeries on Medicare.
A+ International the cheapest and the best coverage. They have an Asian coverage of eight countries.
Just to confirm, after 65yo there are no PhilHealth or other cheap peso options or dovetailing that will reduce costs? Thanks for the awesome vid on a difficult subject.
Pacific Cross has Peso Plans that are a bit cheaper.
So Steve this is the insurance company you use?
Pacific Cross
at 66 I cant seem to get travel insurance including medical. I am healthy and have no preconditions. I am looking to come for a couple of months> Any advice on where I should look?
Michael Onstad on Messenger can help you
Combined living expenses plus all other incidentals then health/life insurance is very costly regardless of country of residence..
LIFE INSURANCE..lol The Burial cost that's it if my family wants to cash in on my DEATH they can pay the extra premiums themselves I am gonna enjoy my $$ & final years...lol
very confusing....... maybe it would have been better to not jumble so much information together ...... and keep it simpler
ok I have heard you talk a lot about pacific cross a young lady stated the best plan with them is the select plus plan. my question of you is what is the average cost of plan per month or do they give a discount if you pay it yearly.
Discount yearly and every persons price is different because of age and preexisting conditions
SAVE YOUR MONEY IN THE PHILIPPINES SO YOU HAVE SOMETHING TO USE LIKE ME BEFORE I AM BECOMING RETIRE I ANTICIPATE MY CONDITION FOR THE FUTURE TO
SAVE MY MONEY , NOW, I AM RELAX IN PHILIPPINES AND I BOUGHT LITTLE RESTHOUSE.
I AM HAPPY THEN YOU DON'T NEED SUPPORT FROM GOVERNMENT AS FINANCIAL INDEPENDENT.. NO ONE WILL SUPPORT YOU ONLY YOURSELF.
It's really a shame that medicare cannot be used abroad. There was talk years ago to try to push this issue. But I guess there is no progress on the subject.
Hi Sir I am Sir Steve Medical Insurance agent from Pacific Cross for almost 4 years.I can send you a quotation proposal for your comprehensive coverage.You can email me your date of birth at pacificcross.insurance07@gmail.com or contact me at 09487366329 / 09366060234. Thank you.
Could you please warn me who are the Dumaguete guys I should avoid watching videos they make? I'm not asking you to say anything slanderous about them, I'm only wondering who I should NOT be wasting my time watching, and perhaps get led astray by then with false impressions. I am new to this, thanks for vlogging for the right reasons!
Hi Brian, They are the ones dragging girls out on thier channel and sell Bacholor Courses. I will not name by name and start WW3.
@@MrSteven5975 thank you for taking the time to reply but that's not helpful, I don't know which floggers are dragging girls on their channels, since that seems to be the norm. But I will avoid any dating courses related to the Philippines.
Hi Brian, I just have a policy to not name Vloggers on here because it starts WW3. I’m a peaceful person and stay away from these types. Just be aware....
Thank you for talking about insurance but it is more confusion than solution. I think your insurance money will be taken out of your social security check no matter you get it or not. In my views, we should keep our insurance in the US and just buy emergency evacuation plan and local coverage . Please explain.
I disagree because you might have an emergency here and most of us have no plans on going home.
I’ve heard pacific cross can and will cancel your insurance if they don’t want to insure you....ie if you have some big claims they might drop you.
All insurance companies do that or raise your bill.
That’s not true A+ International cannot drip you and your cost is the same as everyone in your age group. They are underwritten by Allianz Global a major insurer
@@billyjohnson9166 I checked there just as expensive
I don't understand why PhilHealth couldn't be combined with a lower cost SUPPLEMENTAL policy, to cover the costs that PhilHealth doesn't. Could you shed some light on this arrangement? All other expats I have talked to, recommend PhilHealth, but admit that it only covers part of the total bill. Could you expand on this, please??
Philhealth is not worth it in most cases. Pacific Cross and Pacific Prime are decent and will put you in good hands at at a reasonable price.
Do you know of anyone that actually got paid out when hospitalised? I have never trusted Insurance Companies to pay out without trying everything to weasel out of it.
Me !!!!! Lol
Just doesn't pay to get old
good information
please explain what the "payso" or "peso" plan is. thanks
It’s a cheaper plan for Filipinos but available for Americans . But it’s limited.... but great for younger people.
@@MrSteven5975 where can I find out who offers it? Can you write in your reply its official name... thanks!
Hi Sir I am Sir Steve Medical Insurance agent from Pacific Cross for almost 4 years.I can send you a quotation proposal for your comprehensive coverage.You can email me your date of birth at pacificcross.insurance07@gmail.com or contact me at 09487366329 / 09366060234. Thank you.
Thank You !
Hi Sir I am Sir Steve Medical Insurance agent from Pacific Cross for almost 4 years.I can send you a quotation proposal for your comprehensive coverage.You can email me your date of birth at pacificcross.insurance07@gmail.com or contact me at 09487366329 / 09366060234. Thank you.
My husband and i are below 65yrs old. What we need is a health insurance that will cover us international and US before the medicare kicks in. Then when we reach 65, we will drop the US coverage. I found CIGNA GLOBAL as having the best in price and coverage. It will cost around 930$ / month with 750$deductible for inpatient and 150$ for outpatient and prescription. Please let us know if Pacific Cross covers the US. Unfortunately US has the most expensive healthcare in the world. The OBAMA CARE is a joke.
This policy does cover outside of the Philippines for short times.
you said $930 / a month for Cigna global, that is expensive ! it don't sound right !
Hi I am Sir Steve Medical Insurance agent from Pacific Cross for almost 4 years.I can send you a quotation proposal for your comprehensive coverage.You can email me your date of birth at pacificcross.insurance07@gmail.com or contact
Hey you must have esp ,l just asked about this on another video, thanks.Hey hand me a slab of that greasy pork, would rather die that way than paying a health insurance and drying up in a hospital, just saying but thanks for the information,God Bless
Plane ticket to Guam or Hawaii is much cheaper 😆 veteran just go to manilla 👌
Hi! I have a question, is it necessary for the us citizen to be a resident first here in the philippines before he can get an insurance? Thanks.
No
What are your thoughts on Philhealth cover for 15000 peso
Just good for a backup Insurance.
So, is this overall saying that unless you have a lot of money saved up, after age 65, you are better off financially with Medicare in America than paying these monthly premiums overseas? Weird to think that as high priced as everything here in America is, anything could be "less" here, but listening to the straight talk from our friend in the video, it sure seems this may be the case. Sad.
Even if u live over seas at 65 it's still good to carry medicare. Can not be cancelled. I wish the usa would allow our medicare to be used over seas
Correct unfortunately.. only recourse excerise religiously strict diet... Dr Dean Ornish...
(elf30secsads,hyundaiusa15secsads) muddling through bits important healthcare info
Where can I find out who offers the Peso plan? i.e. how to find a website for it. Can you write in your reply its official name... thanks!
Offered by Pacific Cross. I will do a video very soon on it. And cover prices !!! Be looking out for it !!!
Good info! Per your age, how much do u pay yourself?
I put aside $550 a month. Sometimes much more.
Omg, that’s not cheap at all. I thought it would be a bit cheaper than that. Thanks! Your channel is very informative
If you are retired military and have Tricare, do you suggest getting additional insurance locally? If so, why?
I do not have Tricare
Guam is about the closest place medicare will work.
In emergencies that doesn’t help.
I assume you are from the USA and have Medicare Part A. Do you pay for Part B just in case you ever need to return to live in the US? I hear that if you let Part B laps, you pay a 10% per year penalty if you need that coverage if you have to return to the US.
I don’t have it yet
(hiscoxbusins30secsads,peleton15secsads)much needed personnal health care info
Hi Sir I am Sir Steve Medical Insurance agent from Pacific Cross for almost 4 years.I can send you a quotation proposal for your comprehensive coverage.You can email me your date of birth at pacificcross.insurance07@gmail.com or contact me at 09487366329 / 09366060234. Thank you.
Costly are you kidding me who could afford that
So does this mean we cannot get the Peso plane when we move to the philippines? Cheers M8t
You can buy it also. I’ll be doing a video on it soon.
Hi Sir I am Sir Steve Medical Insurance agent from Pacific Cross for almost 4 years.I can send you a quotation proposal for your comprehensive coverage.You can email me your date of birth at pacificcross.insurance07@gmail.com or contact me at 09487366329 / 09366060234. Thank you.
Does it cover 20 year olds
Yes
What , no comments ?
We screen them do to heavy Troll issues.
Be careful with scammers! Looks for good reputation company.
This company is decent and my company. I also like Pacific Prime.
@@MrSteven5975 my husband friend is using pacific prime. He told us that’s the best he can get there.
FYI
Beginning in 2023, the VA will be getting into the life insurance business.
The new law requires the VA to offer all disabled veterans under age 81 a whole-life policy by that date. The program will be similar to Veterans Group life insurance however, veterans must sign up for VGLI within 16 months after leaving the service. The new insurance program will have no such time limit.
Policies will be limited to a $40,000 payout for most veterans when the program begins.
Can you send me a link to this.
I wonder if there are problems getting them to actually pay all claims.
I wouldn’t trust a Filipino company
I’ve heard they a very good.
I would speculate yes if your claim is expensive
I wonder how good the treatment in the philippines is when you get cancer or heart disease..those are the big ones
Decent in Manila
Are you saying 30 thousand dollars a year???
At age 86-90 for the Standard plan it’s $32,000 or $12,518 for the Major plan.
@@MrSteven5975 is it cheaper if you help the doctor do the operation?
@@MrSteven5975 REALITY CHECK It's not doable..
Lol
Sounds terribly high!
This is why I tell people they are exceptionally low in their budgets.
Can i use my HSA in the Philippines?
What is HSA ?
3:05 ......ok ...alot of U guys R gonna come over here over 65 ..lol.... 2 funeee.lol....