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Author: Subject: U.S. medical insurance
vandenberg
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[*] posted on 12-7-2006 at 12:20 PM


Quote:
Originally posted by comitan
Vandenburg

It seems nobody has really addressed this problem. A solution would be for 20 or more people to go in together and buy a condo in TJ they can be had for around $100,000 and everyone who invested would have an investment and a place to stay. With the number of people that are now living in the BCS don't think it would be difficult to find that many people.


Comitan.
Thus far your comment and attempt at a solution is the only sensible one.
Like to hear some more comments on this from other retirees in BCS.
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toneart
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[*] posted on 12-7-2006 at 06:11 PM


I'm not sure there is a standardized solution that everyone could utilize. There have been suggestions here that may work for some people; the best being, stay with relatives and/or friends in a U.S. location with good hospitals and medical facilities. I question the motel idea. Whenever I have had to have any procedure as an out-patient, the facility would not release me on my own. Not wanting to inconvenience anyone, I had wanted to take a taxi to a hotel room, but no...they would allow it.

In Mulege last spring there was a medical emergency that required evacuation to the U.S. Apparently his medical insurance had lapsed. He did have AAA Plus, which supposedly covers emergency evacuation. They couldn't get them to OK it. He was transported by ambulance to La Paz where he had to take a commercial flight. About 12 hours elapsed before he could get on the plane. Fortunately he was accompanied by his wife. Even though the condition was serious, (stroke), he survived and it worked out. But it could easily have not turned out well. The result was that our community researched thoroughly, emergency phone numbers, closest facilities, What to do, how, etc. This has been passed around to everybody or emailed.

The point of this story is to urge everyone to pre-plan what you would do in an emergency. Know your coverage. If your insurance will not cover air transport ecacuation, buy it now. Know where is the nearest Baja medical facility that can handle serious emergencies. Organize your community. Know where you would go in the U.S. and who could assist you there. Pre-arrange with a primary care physician. Join Bi-National Emergency Organization ($30 ) and set them up with all your information.Make the one phone call to them (24/7) and let them coordinate everything.

Finally, Comitan's TJ condo coop suggestion sounds good in theory. The only time I have ever been able to mobilize 20 people for anything was when I was buying the beer.:rolleyes:
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bajabound2005
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[*] posted on 12-7-2006 at 07:46 PM


keep that aspirin at hand, benedryl and as suggested many times on this forum, an epipen... do look into all options for how to get out in an emergency and HAVE YOUR CURRENT PASSPORT handy. Trying to cross over that line, even in an emergency, could result in disaster without the proper docs! I don't know if it's been adopted all over the Baja but the equivalent of 911 in the USA in the Ensenada area is 066; you can get an English speaking person on the other end, if needed, and get directly to the Red Cross (Cruz Roja) ambulance service...

[Edited on 12-8-2006 by bajabound2005]
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comitan
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[*] posted on 12-7-2006 at 08:04 PM


http://64.233.179.104/translate_c?hl=en&u=http://www.moranrealteam.com/&prev=/search%3Fq%3Dbienes%2Braices%2BTijuana%26hl%3Den%26lr%3D%26sa%3D X

The above is a TJ real estate site a 2 bedroom could be has as low as $25,000. It looks like the above site will have to be copied and pasted

[Edited on 12-8-2006 by comitan]




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oladulce
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[*] posted on 12-8-2006 at 01:16 AM


Vandenberg-

Our situation will be different than yours when we retire in 2 years (15 years too young for Medicare) so our plan to get "Expatriate international insurance" that covers you outside and in the US wouldn't help you much. But here's some Carpal tunnel info that may sway your decision.

There are 2 ways to do a carpal tunnel release:

(1). "Open" technique requires a 3˝" incision on your palm and wrist .
Pros:
- Surgery can be done by most orthopedic surgeons. Most likely only the "Open carpal tunnel" will be offered in Mexico.
- Outpatient surgery.

Cons: -
- Your hand and wrist need to be immobilized for at least a week to prevent stress on the long incision. This is usually in the form of a plaster splint. Anytime you immobilize an extremity after surgery there's increased stiffness, and delay in recovery due to the loss in range of motion.
- You'll return to the Dr. for suture and splint removal in about a week.
- Larger incision and more invasive the surgery, the greater the chance for infection.
- Usually requires general anesthesia.

(2). "Endoscopic" Carpal tunnel release is done using a scope and 3, ˝" incisions are made on your wrist . This is the technique that's usually used by orthopedic "Hand" specialists.

Pros:
- Outpatient surgery. Frequently done under IV sedation anesthesia.
- Usually only a stitch is needed in each of the small wounds and sometimes just steri-strips ( like butterflies) are needed to hold the wound edges together. Hand is wrapped with a soft bandage and you're encouraged to start gently bending your fingers after surgery to prevent stiffness.
- Small incisions=less chance of infection, less pain.
- Your surgeon may agree to schedule your post-op appt. in a few days so you could return to Baja sooner.

Cons:
- Usually only "Hand" specialists are proficient in this technique. It would be unlikely to have the Endoscopic method done in Baja Sur.

I was trying to present this info objectively, but it's probably obvious that I'm biased towards the scope method. People have less pain, less swelling, and faster healing, plus it would require a shorter stay in the U.S. for you.

I don't think you'll be able to get around the need to make a couple of trips if you have your surgery in the US. You'll need you initial evaluation by the surgeon and then probably return for the surgery. Often the dr's. office will want you to come in for a pre-op visit a few days before surgery but just tell them it's too inconvenient since you live out of the country and they should be able to accommodate you.
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Capt. George
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[*] posted on 12-8-2006 at 06:14 AM


Mr Bill

You are my new hero.

Exactly right, we all gonna go. Wanna stay around longer, suffer, pay the doctors, cause undue pain and suffering to your family and go anyway?

Frankly I'd rather eat a bullet. Watched my psuedo father die from the ravages of Alzheimers, including severe Parkinsons. After 2 years in a nursing facility, and most of his (and wife's life savings) he died (anyway).

Just prior to dying he could no longer eat, the suggestion made to his wife was, "we can take care of that with a feeding tube!". How very callous and money hungry can our medical profession get?

I'll live my life to the fullest, go naturally if I'm so lucky or simply say all my good-byes, be thankful for all I've had and be on my way in a way "I" choose.

Capt. George

Mr Bill, if you go first, I'll get ya body out. Sit ya in my passenger seat with sunglasses and a fake cigarette, slip right through the border crossing. Plus, at that point, you won't be so hard to talk to!!




\"The penalty good men pay for indifference to public affairs is to be ruled by evil men\" Plato
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Capt. George
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[*] posted on 12-8-2006 at 10:46 AM


Where did this thread go????



\"The penalty good men pay for indifference to public affairs is to be ruled by evil men\" Plato
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comitan
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[*] posted on 12-8-2006 at 11:08 AM


Vandenburg there is another option, Hostels in the area you want to stay San Diego has 3-4.



Strive For The Ideal, But Deal With What\'s Real.

Every day is a new day, better than the day before.(from some song)

Lord, Keep your arm around my shoulder and your hand over my mouth.

“The sincere pursuit of truth requires you to entertain the possibility that everything you believe to be true may in fact be false”
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toneart
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[*] posted on 12-8-2006 at 12:06 PM


Quote:
Originally posted by Capt. George


I'll live my life to the fullest, go naturally if I'm so lucky or simply say all my good-byes, be thankful for all I've had and be on my way in a way "I" choose.

Capt. George


Capitan,
Be sure you leave a legal directive so that your wish will be honored. Otherwise you will babble and drool and need a bib while the medical profession plunders your and your family's resources.
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Capt. George
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[*] posted on 12-8-2006 at 12:24 PM


thanks toneart, but I'll bail out before I start chitting in my pants!

I do have a living will...only good though if you have it tatooed to yer ass!

the captain




\"The penalty good men pay for indifference to public affairs is to be ruled by evil men\" Plato
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