I have the Exclusivo from Universal because it is the only one.. as per my broker.. that covers you til death without a renewal and possible cancellation at 70. When I bought it I was already a senior. For those who are younger, there may be many more options.
- Thread starter Sarah Kershaw
- Start date
Health insurance, medical care
To be fair, the agent also said that "if you use up that amount of money in medical insurance in this country, you are dying".. which, at my age, is the expected outcome.. No one is going to say " oh,.. so young.. So I wanted just enough for good morphine coverage. And it does have that.
But your plan does have a one million pesos per case, right? So it would be interesting to see how they refer to a
"case" of cancer? I am just saying .. even though I have certainly had much better service here than in the US (where I paid for years and only once met my deductible) ... an insurance company is an insurance company.. And there will be limits.
To the OP, also keep in mind that if you require follow up treatment to Lyme disease that a policy here will most likely consider that a pre-existing condition and then follow up treatment will not be covered. Also make sure you can get the meds you need here or at least can import them.
My sympathies on suffering Lyme's Disease. I had it years ago and completely understand what you are going through, although it sounds as if your case is worse than was mine. The Dominican Republic will be great for you, with the sunshine and the wonderful people with sincere smiles.
There are ticks here, and there are even very small ticks similar to the ticks that carry Lyme's Disease. I live on the south coast. I use chickens and turkeys to keep the ticks to a minimum. To date, I have never heard of a case of Lyme's Disease in the country.
As the disease is not well known here in the country, you might have some difficulty finding a doctor who can treat you. How much Spanish do you speak? Can you adequately communicate your symptoms?
Might I make a suggestion: find some medical literature on Lyme's Disease to bring to your doctor here. Present the information in a way that does not upset your doctor: "I know this is not a disease that is common here, and my case has been a difficult one. I know you would want to look this up, so to make it easier for you, I have some information for you." If the doctor seems offended after that, get another doctor.
I recommend that you have a good exit plan, in the event you have a setback in treatment. Have enough money on hand or enough credit available that you can purchase a ticket to the US. I have friends in Miami, so I know I can get there, they can pick me up at the airport and take me directly to the hospital I have selected. And I have insurance in the US that is paid by my employer.
In general, you will find that medical care and insurance cost much less here than in the United States. Prescriptions, on the other hand, can get expensive. As my US insurance pays for medications, I have meds shipped to me via CPS.
There are ticks here, and there are even very small ticks similar to the ticks that carry Lyme's Disease. I live on the south coast. I use chickens and turkeys to keep the ticks to a minimum. To date, I have never heard of a case of Lyme's Disease in the country.
As the disease is not well known here in the country, you might have some difficulty finding a doctor who can treat you. How much Spanish do you speak? Can you adequately communicate your symptoms?
Might I make a suggestion: find some medical literature on Lyme's Disease to bring to your doctor here. Present the information in a way that does not upset your doctor: "I know this is not a disease that is common here, and my case has been a difficult one. I know you would want to look this up, so to make it easier for you, I have some information for you." If the doctor seems offended after that, get another doctor.
I recommend that you have a good exit plan, in the event you have a setback in treatment. Have enough money on hand or enough credit available that you can purchase a ticket to the US. I have friends in Miami, so I know I can get there, they can pick me up at the airport and take me directly to the hospital I have selected. And I have insurance in the US that is paid by my employer.
In general, you will find that medical care and insurance cost much less here than in the United States. Prescriptions, on the other hand, can get expensive. As my US insurance pays for medications, I have meds shipped to me via CPS.
mart1n, I want to see you remove your own hemmeroids!!!!
There is a VERY Old Saying in the medical community,...."The Doctor who treats himself, has a FOOL for a patient!
To the "OP", with just the info in your first post, I don't think coming to the DR right now is a good plan!
It is NOT CHEAP to live here.
Medical Plans here don't cover nearly as much as they do in first world countries.
Certain medicines are impossible to get here.
I don't know if you speak Spanish, or what "Dominican Experience" you have under your belt up to now.
"Fresh Air & Sunshine" may be free, but everything else is NOT!!!
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ps., your "Fiance" doesn't just happen to be a "Dominicano" does he???????
If he is, I have two more pieces of advice, positively don't come here, OR get married!
Somehow I see MORE to your story???????
There is a VERY Old Saying in the medical community,...."The Doctor who treats himself, has a FOOL for a patient!
To the "OP", with just the info in your first post, I don't think coming to the DR right now is a good plan!
It is NOT CHEAP to live here.
Medical Plans here don't cover nearly as much as they do in first world countries.
Certain medicines are impossible to get here.
I don't know if you speak Spanish, or what "Dominican Experience" you have under your belt up to now.
"Fresh Air & Sunshine" may be free, but everything else is NOT!!!
CCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCCC
ps., your "Fiance" doesn't just happen to be a "Dominicano" does he???????
If he is, I have two more pieces of advice, positively don't come here, OR get married!
Somehow I see MORE to your story???????
I, too, had Lyme's and can sympathize. But mine was caught early and a month's worth of antibiotics .. and three months worth of pain and suffering.. just about did it. As most have said... the insurance policies here do not cover medications - or do not cover MUCH medications which is going to be your main expense. But the medications here are less expensive than the States and you can certainly get most of them over the counter. I have not followed up on the Lyme's treatment - but before it was just antibiotics .. and then rest..
CC.. the OP said that she and her fiance were moving and that he had a salary .. so don't make a mars and venus forum out of a medical question...
CC.. the OP said that she and her fiance were moving and that he had a salary .. so don't make a mars and venus forum out of a medical question...
If you are your own doctor than you would know hemmeroids is a copper deficiency and prevent it
hmm... this is very strange. meds in DR are roughly 3 times the price i see in poland. and basic meds like ibuprofen and vitamins are much cheaper in the states. plus those with insurance pay small rate per prescription. where did this high cost of medicine in USA you are talking about came from?
For me it is based upon ordering generic meds from the US without insurance there versus pharmacy prices here.
Very often it is cheaper to order meds from India, using BetterLifePharmacy for example, than it is to purchase here. If you were in India the price would be pennies on the dollar.
The US is the testing ground for all the newest patent medicines.. and they are the ones that are pushed by the MDs there.. one friend with diabetes.. pre insulin.. was paying $300 to $400 a month for the co pay per drug..
so I guess that is the cost. Lots of the generics that are available here and perhaps in Poland are illegal in the US and can only be purchased over the Internet and sometimes the quality varies. And many plans may not have prescription coverate til you meet the deductible, etc etc..
There are numerous reasons why drugs are more expensive in he USA.
EXAMPLE:
The reason that prescription medications are cheaper in Canada is complex and there are several factors that contribute to the lower costs.
The Canadian government puts a cap, or ceiling, on the amount that drug companies can charge pharmacies and other distributors of drugs. This reduces the wholesale cost of medication for most organizations throughout Canada by about five percent. The prices are determined by Canada’s Patented Medicine Prices Review Board. Since drugstores pay less for many medications, they can sell them for less.
Each of the Canadian provinces, like Quebec and Ontario, has a drug formulary that puts restrictions on the use of new and expensive medications. Since the provinces provide the bulk of drugs to higher users of medication, (seniors), they have the power to negotiate directly with pharmaceutical companies to lower prices for a medication to get on the formulary. In Ontario, for example, the formulary includes less than 35 percent of new medications.
Canadian pharmaceutical companies have lower liability costs than U.S. drug companies. Canadians are not only less likely than Americans to sue healthcare providers or drug companies but when they do sue, awards and damages are a lot lower than in the U.S. In the U.S., some economists consider the cost of liability insurance for a drug company to be similar to a “tax” on medications.
but we are also in the Medicine for Profit business as I do not think that any other country is..
I checked on one of the meds that I take.. in its generic form
in Florida Florida Prescription Drug Prices where the price varies by 100% from one pharmacy to another..
and then .. on line https://www.canadadrugs.com/products/topamax/50mg for half the price
I checked on one of the meds that I take.. in its generic form
in Florida Florida Prescription Drug Prices where the price varies by 100% from one pharmacy to another..
and then .. on line https://www.canadadrugs.com/products/topamax/50mg for half the price
Every business in every country is in business with the idea of making profit. There are huge pharma companies that are non-American, many.