Our "ExPat Education"We are Mike and Kim Altman. When we came to Puerto Vallarta in 2010, one of our first steps was to buy international health insurance to fill the gap (more like a chasm), left by our domestic health insurance.
At the time, Mike had Medicare and Kim had private health insurance. Neither of those policies protected us outside the USA. What we learned the hard way had us create PV-Health.com to help others get the coverage they need to avoid an economic disaster while living internationally. So we each got $50,000 in the best provider in travel health insurance - GeoBlue from Blue Cross/Blue Shield. Mike’s 73 so his plan runs him a little over $220 per month. Kim is younger, so she pays about $150 per month. GeoBlue is awesome - it even covers preexisting conditions, but it is pricey, and you have to be physically in the USA to apply. We could of chosen plans from several other reputable companies that would be more affordable, but we don't mind paying a premium to go "first class." Because we also have separate emergency medical evacuation (medevac) coverage, we feel that $50,000 in travel health insurance is enough protection. with both travel health insurance and medevac protection we’ll easily weather the economic storm that would accompany any serious illness or injury occurring to us outside the USA. Our travel health insurance will handle the Mexican hospital bills and the medevac will get us back north where Medicare takes over. We came to Mexico as tourists and rapidly became expatriates - which required a different type of international health insurance. A decade later, due to circumstances we hadn't anticipated, we became snowbirds living part time in PV and part time in California. Life is full of unexpected changes. One change that's unexpected but predictable is a change in our health due to accident or illness. That's why we insure ourselves against the financial crisis that can come with life's predictable challenges. We represent a range of insurance providers across a spectrum of price and benefits. With your economic health at risk, there isn't a one-size-fits-all solution that's the best for everybody. Click here for a no-obligation proposal crafted to fit your unique needs and desires. |
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