Health Insurance in Southeast Asia/ Pacific Cross/Philippines

Talking With Michael Onstad About Pacific Cross Health Insurance monstad1?mib... /Hospitals in the Philippines/Doctors/PhilHealth/Self Insure
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[@napoleonmdusa8877]

Great interview--I'll be using this guy when I come over. I like how one can start getting the paperwork done before leaving the USA so that the insurance can start when I first arrive for my first trip (of 3 months) before I return to the USA to get ready (sell my house) to move permanently out to the Philippines.

[@mikesphilippineretirement]

connect Michael Onstad facebook.com/monstad1?mibextid=ZbWKwL FB Group Health Insurance in the Philippines facebook.com/groups/974207416765198/?ref=share

[@porgslastforeverforeverlas8488]

Hey Napoleon,, I’m doing the same thing ,,,, going over for 3 months or there about ,, and researching for the place I want to live … then coming back and selling house 🏡 and everything and moving there permanently..,, I’m in Tennessee so fortunately I’m in a good state where housing prices are still good ,,,, Hope your in a good state to sell ,,,, Andrew G. Nashville, Tennessee

[@napoleonmdusa8877]

@@porgslastforeverforeverlas8488 It sounds like we are on the same track. My house should sell fine in my area with it being small (800 sq ft) with interest rates still high, lots of people can't afford big houses. I still have some "fix ups" to do before I list it for sale (I'm in Greenbelt, MD near Washington, DC). When I make my first visit to the Philippines, I plan to check out Cebu areas, Bohol, Dumaguete areas and save the rest for my permanent move.

[@porgslastforeverforeverlas8488]

@@napoleonmdusa8877 wow, well I have a four bedroom 2 1/2 bath home but I live in a state that everyone is moving to currently were like sitting at number three most popular state to move to and like you I will be making my first visit by the end of the year that’s my plan and believe it or not I’m flying in to Cebu/ Mactan,, And I’m going to be looking in that area from there south to Dumaguete , I also have Bohol on my list… as well as a few other places ,.. like I said this is my first trip so it’s kind of like my exploratory trip. I think I will know after three months there what area I want to settle in. At least to start with. As far as my home I’m like you I have a few fixer-upper repairs to do but I’m starting some of those before I leave and then when I come back I’ll kick it in the high gear get it up on the market. I’m retired already so all my finances are good and in order it’s just a process of learning where I’m going and And putting the whole move together. Been talking with a few girls from over there but it’s one thing to talk to them on the phone video chat but it’s when you get there that it really matters .. at least that is my perspective so far … If you want to talk and compare notes 📝 let me know … my number 1-615-456-0400 Andrew

[@bigtime911]

@@napoleonmdusa8877 I live in annapolis comming over sept myself

[@jasonjames4254]

The median price of a cardiac bypass in the U.S. in 2017 was $152K. So if St. Lukes hospital charges American prices, I can only imagine how high the premiums and the deductibles are for a Pacific Cross policy if you're over age 60. These insurance companies do their research and they know the poor health condition of most expats. And any company that only requires a questionnaire and does not require a medical examination before selling you a policy will likely determine that anything cardiac/stroke/lung cancer related was preexisting and will deny the claim. Based on all of this, I will maintain Medicare Parts B, D, a supplement, or a Part C Medicare Advantage Plan, plus an emergency medical fund of at least $25K on top of that. The $25K should be enough to get me stabilized for anything that could happen to me in the Philippines, so that I can then board a plane and get treatment in Guam or the U.S. Don't get me wrong, it is good to know that Pacific Cross offers a health insurance option in the Philippines. However, I keep hearing horror stories about various Philippine hospitals accepting Pacific Cross and other insurers on Tuesday, but won't take it on Wednesday when your trying to get emergency treatment for your stroke, and still demand cash on the barrel head before they'll treat you. You're not going to get a letter or email from the insurance company or the hospital informing you that they no longer accept your insurance ahead of time. And like Mr. Onstad stated, you can't stop at the ATM and withdraw P200,000 on the way to the hospital for emergency treatment. Overall, having access to lifesaving emergency medical care in the Philippines is a crap shoot with your best odds in Manila, Cebu, or maybe Subic (I disagree about Silliman). Even if you're near a quality hospital, you can easily die in route stuck in traffic. For anyone retired or planning to retire in the Philippines, it's probably best to resign yourself to the reality that you could easily die from a very treatable accident/illness in the Philippines. I'm not saying any of this just to be a doomsdayer or naysayer. This is just the reality of living in the Philippines. Health concerns are the primary reason why most expats return to the states within 5 years.

[@mikesphilippineretirement]

Thanks for sharing my friend

[@BarakTheWonderer]

This video was a great service, thank you! One thing that would have been helpful is the yearly cost of the typical dollar plan at certain age points, 55, 60, 65, 70, etc.

[@mikesphilippineretirement]

Thanks for the tip!

[@mviking39]

Im impressed with the insurance card thing. Mr Onstad was saying people aren’t stopping at the ATM before an emergency. The card information is new information that I didn’t know, I’ve been researching for a few years. An example of health care in the state of Michigan, I’m 53 year old white guy….. it costs 100 dollars a month for the privilege of my high deductible plan. My yearly deductible is 4000.00 USD theoretically (Small print is involved), so add 2000 for a grand total of 6000 USD deductible. Hopefully if you have a problem it’s at the first of the year, if you are precluded from working you still need to pay the 100 bucks a month. So you will need to have a secondary insurance like Aflac to keep the lights on after surgery. Aflac is not going to pay much so you might fall behind on home payment. Keep in mind that you will be required to pay tax on all supplemental insurance as part of your State and USA federal income tax at the end of the year. Ain’t America great?

[@mikesphilippineretirement]

thank you for sharing

[@mviking39]

@@mikesphilippineretirement your a good man Mike. You are like an explorer doing Gods work

[@mikesphilippineretirement]

thank you

[@geoffdevore6321]

America is so great, that a record number of people are moving overseas to other countries 😅😅😅.

[@judekidder]

Great interview Mike keep it up.

[@mikesphilippineretirement]

Glad you enjoyed it

[@kenny8635]

Super great. I'm so glad you did this video Mike. That is one of the main things I am looking at on things to do. I was thinking hard about Pacific Cross so this vid helped alot. I'm in basically good health and my only real issue is a service connected injury that I can take care of in Manila, but at 67 you never know what life can bring. So thanks

[@mikesphilippineretirement]

thank you and happy your watching

[@herbwitt7710]

Mike as always bring helpful info to your viewers. Thanks!!! Go Cavs .👍

[@mikesphilippineretirement]

Glad you like them! GO CAVS

[@herbwitt7710]

Mike i from Cleveland.

[@herbwitt7710]

Thanks for the interview with Jenifer Terry. She is very helpful. I subscribe to her channel. I got allot of helpful tips from her for my past trip to the Philippines. Thanks Mike!!!

[@mikesphilippineretirement]

Thank you for watching..the playoffs are underway

[@Matthew-gz4oh]

Much needed and well done!

[@mikesphilippineretirement]

Hi Matt thanks

[@samwalker1691]

Good Vid, Great Subject...I think you are covering a subject that has been really neglected. I would love to see more videos on this subject, maybe a trip to the dentist, eye doctor, hearing aids heck even taking your pet to the vet

[@mikesphilippineretirement]

thanks Sam see what I can do

[@Synfulz]

I just got my Pacific Cross plan for my wife and I through Michael. Also for those of you with cars he also provides insurance. I got a great plan for my truck through him, very reasonable with good coverage.

[@mikesphilippineretirement]

great info

[@gratitudetouniverse3754]

@Synfulz How much is your health insurance for the two of you ? Thank you for information. Looking to retire in philippines soon with my husband.

[@Synfulz]

@@gratitudetouniverse3754 The annual cost was $2400 USD. That was for 1.5 M php each coverage. Which should be more than enough.

[@Charles-ix5jc]

Mike thank you very much for this interview i think i'll check it out . I was thinking at 67 years old i wouldn't even be able to get any insurance because that's what a couple companies told me . Thanks again

[@mikesphilippineretirement]

welcome

[@Norm_Divina]

Mike this was a great information video. I'm planning on being there in June so I should get the policy and then next year in June full-time retirement I'll be ready. Thanks again for the great info

[@mikesphilippineretirement]

welcome

[@steve3416]

Thanks Mike for the info and interview. I will be reviewing this video again. I gotta figure out what I'm getting for me and my family. I'm getting something for sure for my wife and daughter. Gotta figure what I'm I'll do for myself. 12 weeks and we'll be in Bacolod City permanently.

[@mikesphilippineretirement]

other side of the Island..hope we run into you sometime

[@nicholassibley5080]

Thank you for the video.

[@mikesphilippineretirement]

You're welcome

[@charlesanderson6986]

Thanks Mike I appreciate this information I need it

[@mikesphilippineretirement]

Glad to help

[@eshindollar]

Thanks Mike!

[@mikesphilippineretirement]

Any time!

[@magnuswayne7002]

Great information!

[@mikesphilippineretirement]

Glad you think so!

[@opsecclassified6469]

Hi Mike. Hope u and Janet are doing well today my friend.

[@mikesphilippineretirement]

Yes we are

[@Srichardson64]

Hi Mike.... heheheh was gonna say no coverage for heart attacks for 1st year = no dating beautiful filipina???!!! lol then he explained but it had me smirking for a moment ;)

[@mikesphilippineretirement]

need good insurance from pretty girls they make your heart bead much faster

[@mikesphilippineretirement]

need good insurance from pretty girls they make your heart bead much faster

[@cliffpearce9043]

Sorry I missed your video Mike, they've got me under heavy sedation, I passed out and sleep a lot, sorry about that my friend, Mary sent me a message, I think yesterday, I just wrote her a message well I didn't my nurse did, let her know that I wasn't ignoring her and that I was in the hospital, I did not want her to think I was being rude, I remember something about your video, with friend Monte, I'm a mess right now and I can't think straight, tell Janet I said hello, let you guys stay safe, your friend cliff ⭐⭐⭐⭐⭐

[@mikesphilippineretirement]

Cliff we always worry if we do not hear from you in the first couple hours...

[@free2roam674]

Hi Mr. Pearce, we don't know each other but I am sending positive vibes and energy your way. I hope you feel better soon. Cam

[@mikesphilippineretirement]

Thank you

[@billyjohnson9166]

Most Thailand hospitals are excellent. April international insurance pays directly to hospitals.

[@monstadable]

My understanding is that they will, however, the claim must be pre approved.

[@mikesphilippineretirement]

thanks for the reply Michael

[@delaluz4634]

Hi Mike, great information. May you please share the premiums for the dollar plan for a 60 and 65 year old.

[@mikesphilippineretirement]

Message Michael Onstad and ask him as i only have from 65 and older sorry facebook.com/monstad1?mibextid=ZbWKwL

[@Andrew32100]

👍👍

[@mikesphilippineretirement]

Thank you

[@martinascot5477]

PC are well used in Thailand.

[@mikesphilippineretirement]

yes I understand expats travel to thailand to use the hospital

[@marybriones6454]

If you have medicare part Aand B just fly to Guam ,youll3 be covered for emergency .

[@mikesphilippineretirement]

I think that is a bad choice only 400 beds in Guam Hospitals and health care is not that good 4 hous to fly fom Manila..Why not go to Hawaii

[@judekidder]

Hi Janet an Mike

[@mikesphilippineretirement]

hi

[@mviking39]

Onstad, good Norge last name.

[@martw5306]

VERY GOOF INFO BECAUSE i have been coming to philippines for 8 years but afraid to stay full time because of my health and philippine health system

[@mikesphilippineretirement]

thanks for the comment

[@donaldhawkins8439]

Is there anyway to contact you on line to discuss the different plans.

[@carlsmith7458]

Mike, does he sell travel insurance, like when you visit the Philippines for a few weeks?

[@mikesphilippineretirement]

not sure about travel insurance.

[@jossenicolas358]

Hello,Nicolas from Olongapo would like to contact your company, thank.

[@eduardoquiban947]

I AM PILIPINO BUT BEFORE I'LL BE HAVING PENSION FOR RETIRING ,, I ALREADY ANTICIPATED BY SAVING MONEY, NOW, I HAVE MONEY TO SPEND EVEN HOSPITAL TO USE THAT MONEY IN THE PHILIPPINES.. I AM HAPPY.

[@TheFotoop]

How do I make contact with Michael O for more questions? I will be moving over in a couple of years with my Filipina wife, no kids.

[@mikesphilippineretirement]

Michael Onstad facebook.com/monstad1?mibextid=ZbWKwL FB Group Health Insurance in the Philippines facebook.com/groups/974207416765198/?ref=share

[@user-cd7qu9lf6x]

Mike help me enrolled in Pacific cross health plan

[@markglenn24]

I don't know why he didn't mention it here but he's said it before in other videos. If you can show you have continual coverage in effect going back a year I think and up until you apply they will wave the 12month waiting period.

[@mikesphilippineretirement]

Thank you for sharing

[@pcbondart]

how much, approximately, for a 77 year old with mild emphysema? What do you recommend?

[@RealGaryGibson]

So because of my preexisting hypertension, I won't be covered for a heart attack or stroke? (Unless due to bacteria) Did I get that right?

[@mikesphilippineretirement]

I think he said for the 1st year but send him a message and ask him

[@kevinwelsh7490]

from Canada. we have 'free' health care for citizen and landed residents, but if you leave Canada over 6 months you have to re-establish residency in Canada, takes 30 days and you are not eligible for the 30 days.. is there a plan for Phil that recognizes that I can get a benefit in Canada if needed if I repatriate/evac? thanks

[@monstadable]

As a fellow Canadian I could only suggest a plan that will cover you here considering that there are catastrophic events that can prevent you from traveling.

[@wrp108]

Can you repeat the Facebook group.

[@mikesphilippineretirement]

Michael Onstad facebook.com/monstad1?mibextid=ZbWKwL FB Group Health Insurance in the Philippines facebook.com/groups/974207416765198/?ref=share

[@billyjohnson9166]

I have insurance with April international it covers 8 Asian countries there excellent.

[@monstadable]

Pacific Cross covers them all too.

[@lkabong5529]

Does April International pay the hospital directly?

[@mikesphilippineretirement]

thanks for the reply Michael

[@billyjohnson9166]

@@lkabong5529 yes

[@billyjohnson9166]

@@lkabong5529 they are excellent company they pay claims. I have a million dollar policy.

[@stevedice5963]

of course the best thing to do is only take a career job that offers benefits and pension that follow you for life. decline any job offer that does not offer those benefits. Moms wisdom.

[@mikesphilippineretirement]

Mom was smart

[@stevedice5963]

@@mikesphilippineretirement 🤣

[@stevensalomon3386]

Question: is Pacific Cross affiliated with Blue Cross Blue Shield?

[@mikesphilippineretirement]

I do not think so

[@bigtime911]

Which is better Phil heath, safet wing, and pacific cross?

[@monstadable]

Pacific Cross. Philhealth may pay 30% of your claim and Safety Wing is a reimbursement plan.

[@Eamonn-cw9wm]

Seen majority of viewers are 50 & 60 years old, what is the average cost of premium per month, and does that mean zero co pay for doctor, specialists etc? Maybe a matrix or spread sheet posted would help many to decide whether it's worth it or not

[@mikesphilippineretirement]

did you send him an email and ask for one...most viewers ae over 62 in my case

[@vikingrogaland2844]

I went to his facebook group and tried to send him a PM, but it is not possible to send it.

[@mikesphilippineretirement]

Michael Onstad facebook.com/monstad1?mibextid=ZbWKwL

[@cliffpearce9043]

⭐⭐⭐⭐⭐

[@mikesphilippineretirement]

5 starts

[@billyjohnson9166]

Chung hua in cebu sucks most hospitals aren’t good in the Philippines

[@mikesphilippineretirement]

how many philippine hospitals have you been to?

[@billyjohnson9166]

@@mikesphilippineretirement Chung hua and perpetual succour that’s enough. The service sucked, they were dirty. It’s the doctor that is the most important. What I have been to is a hospital in Thailand Bumrungrad hospital. It’s first class clean, great service, comfortable waiting rooms, your seen by doctor in a reasonable time like within fifteen minutes, up to date equipment , did I say clean immaculate, nothing like you ever seen, board certified doctors, a lot schooled in the U S, nicer then the U S….you might say the hospital in dumaguette is great but do they have latest equipment, are they trained on equipment, do they have all the medicine you might need etc.I had a doctor in cebu that nearly killed me. I’ve been here since 2000 living here full time for the last fifteen years. On the insurance front I wouldn’t buy health insurance from a Filipino owned company I wouldn’t trust them. I would buy from an international insurance company that you can trust.

[@billyjohnson9166]

@@mikesphilippineretirement I’m not trying to be a pain in the ass I’m speaking from experience. I wish my experience in the Philippines was better I live here.but it isn’t. Trust me you don’t want to find out.

[@mikesphilippineretirement]

You are being a pain in the ass....I think all your reply are just badmouthing anything Filipino or in the Philippines...You should do you own blog on way so many are leaving Thailand and moving to the Philippines..Have a good day sir

[@fernandomofreita79]

Safewing is another health Insurance company option.

[@mikesphilippineretirement]

thank you..Is that travel ins.?

[@fernandomofreita79]

@@mikesphilippineretirement Travel medical insurance .

[@fernandomofreita79]

I have 2 quick questions for you please. Can one drink, cook and brush his or her teeth with the local tap water? Are diamond engagement rings the norm among Filipinos living in the Philippines or is it something new now among expats? Thank you.

[@monstadable]

It is a reimbursement plan

[@mikesphilippineretirement]

@fernandomofreita79 e mail me the questions i will try to answer them

[@tomgerryinphilippines8817]

I have blue cross blue shield federal employees plan. Is this connected with pacific cross?

[@monstadable]

No

[@Synfulz]

I have same BCBS plan. St. Luke used to honor sometime ago. But when I asked them about it, something about accreditation issue. 🤷‍♂️

[@tomgerryinphilippines8817]

@@Synfulz perhaps I should call blue cross and ask what hospitals in mindanao accept it.

[@denismoreau3646]

Hood information from pacific cross. 😊

[@mikesphilippineretirement]

Thank you

[@Ilovedthephilippines]

So basically they going to claim anything that happens to you is a preexisting condition from what I understand 🤷🏻

[@monstadable]

In the first year you are covered for accidents, viral and bacterial diseases. Lots of those here. This is standard throughout the industry. If you have any existing policy, we may be able to bypass the waiting period for pre-existing conditions.

[@napoleonmdusa8877]

@@monstadable This is good to know, especially bypassing the waiting period by having any existing policy (prior work insurance via Cobra when I retire or Medicare when I'm eligible).

[@Ilovedthephilippines]

@@monstadable only thing I am worried about was I had a elective stomach surgery in 2016 for gurd. It stopped my acid reflux completely but if I ever had stomach problems or intestinal track problems will they claim pre existing because I had a elective surgery in 2016 ? I’m only on 12mg lisinoprol at 58 and don’t think I really need it my BP was 148/82 at my doctors about a year ago and he put me on it but sometimes it drops it to 111/70 I don’t think I really need it I’m ready for pacific cross I brought 2 cat scans a MRI and blood work reports with me they 2 months old showing everything is perfect

[@monstadable]

@@Ilovedthephilippines I suggest we submit a trial application and see what they come back with.

[@nevergiveup-db6fp]

Pacific cross does not cover heart attack or bypass surgery. I checked with the office in Dumaguete Philippines.

[@monstadable]

There are covered after the 12 month waiting period.

[@free2roam674]

@@monstadable Hello Mr. Onstad, thanks for the information. Do you have an email that I can contact you at? I don't have facebook. Thanks. Cam

[@mikesphilippineretirement]

E mail me a request for Michael's e mail

[@KeilikoGreg]

Hey Mike - a visa question that is off topic from this video. My understanding is that when you first travel to PI on a tourist visa for your initial 30 days, you must possess a round trip or onward travel ticket. When you go back for visa extensions, whether for another 30 or 60 days or 6 months, do you still have to present a ticket? Thanks!

[@mikesphilippineretirement]

no ..only when you first arrive

[@KeilikoGreg]

@@mikesphilippineretirement Thanks Mike!

[@Fat_Old_Bald]

You can get a throw away ticket for 10 bucks.. do a quick internet search and should pop up.

[@roberth3094]

What is the monthly premium for a guy over 65?

[@mikesphilippineretirement]

I am 68 2660 a year is my cost..I pay it yearly

[@laurencehyde2168]

Does not cover heart attack??? That can't be ,oh ,hang on , we're in the Philippines

[@mikesphilippineretirement]

Check with Michael but it does cover after the first year Michael Onstad facebook.com/monstad1?mibextid=ZbWKwL FB Group Health Insurance in the Philippines facebook.com/groups/974207416765198/?ref=share

[@monstadable]

​@@MichaelHawk1936 Requiring medication

[@user-ym5dv7dc6r]

this guy never answers

[@mikesphilippineretirement]

[e-mail] send me your email address and I will call him for you

[@benlokkers7041]

Hello, is it possible to contact you by Email. Thanks, Ben.

[@mikesphilippineretirement]

yes