Pacific Cross Select Standard Health Insurance Cost Breakdown for Expats !!!

[@td5079]

I'm 67 and just got the P750k plan and it cost P53,000. Also with this plan you are entitled to a very comprehensive annual physical exam with no out of pocket expense.

[@user-ld4kr9fo8q]

Greetings from the veterans hospital new york city. Great dentists here

[@Will67267]

protect your assets. get the best insurance you can get. I have the pacific cross blue royal plan A ($500,000) $2000/ year with $5000 deductible. it includes international travel.

[@kenjohnson9654]

I would definitely go for a private room. The main reason to be self-insured is less paperwork and insurance hassles. What is of interest to me is medical tourism and air ambulance service to neighboring countries like Singapore and Taiwan.

[@martypoll]

I have Pacific Cross here in Thailand. I don’t know if Philippine PC has the exact same products but I will assume they are similar. I approach expat insurance in Asia with a different philosophy. I purchased a comprehensive policy with a large deductible. I would prefer to pay routine health care costs out of pocket and save the insurance for big serious health events. The large deductible will lower the cost. I bought my PC policy at age 62 and they will continue to cover me past age 70 but of course the premiums will increase.

[@whatsnext-007]

This topic is sad. My current employer/employee policy costs $18,000.00 per year for BC/BS here in the US. I would gladly pay $1000 to $1500 for Pacific Cross private plan. My only concern, is that Pacific Cross is known to not payout or looks for loopholes not to reimburse.

[@throughblindeyesmyphilippi2015]

Good topic Steve I'm going with Pacific Cross Select plan private room so around $50 ISD a month I can handle that for $1,500,000 PHP a year that's a lot for someone like me who is only 41 and have no health issues whatsoever. By the time 60 comes around the COLA adjustment over the years will have offset the increased rate at that point but that's a long way down the road to even be thinking about at this point to be honest. Take care

[@BC19572]

Good topic, but why did you stop at age 65? Many are older than 65.

[@AQuietNight]

Figure $100 month for a good plan. I would still use the 48 peso/$1.00 for the exchange rate as a safety margin. I wouldn't rely on occasional spikes in the exchange rate and 48 seemed to be the number for quite some time. Medicare is $165/month now and it's a safe bet any substantial increase in Social Security you might get, Medicare will get a chunk of it like what happened last year (as the Medicare fund is running low). Is there an age limitation? Like if you hit 80 and you can't get insurance from anyone?

[@christophermeaney5485]

I told another blogger Steve Marquis shumate out by Dumaguete about your video how knowledgeable it is helpful it is with contact information cuz he's turning 65 and he's looking for some insurance he's lived in the Philippines I believe six seven years all right let's go for that walk around town I haven't asked you about that in 2 months that I would throw it at you????

[@mikecampbell7502]

Hey Steve, thanks for covering this subject. Its in the mind of any thinking person considering the Philippines. Cheers!

[@clydesmith3437]

Yes indeed it helped out a lot thanks for sharing Steve much appreciated.

[@michaeltamares7974]

I do all my medical procedures in California.. Philippines is only good for vacation home, which i own.. My main base will always be southern California..

[@monstadable]

Great video! Thanks buddy, much appreciated 👍

[@randybarlow8822]

Would be good to give prices in both pesos and dollars so those of us still in the US can better understand and budget

[@MrSteven5975]

It’s 57 pesos to one dollar

[@jonjaso4002]

Not sure if this is a dumb question....what is the difference or the reason for a peso plan and a dollar plan? Are they the same, but just in different monies? And I have heard you mention to have a peso plan AND a dollar plan...why?

[@MrSteven5975]

The Dollar Plan is a Much better plan but more money

[@reedanderson1480]

How about PhilHealth for spouse of a Filipina that's P17,000 a year?

[@GM-wf6el]

Has anyone done a side by side comparison between US Medicare and Pacific Cross in PH? An apple to apple comparison may be hard but for roughly the same level of benefits, will it be cheaper to have Medicare in US or PC in PH?

[@MrSteven5975]

It’s really irrelevant because people can’t use Medicare here. People coming here want a change of scenery. Pacific Cross has different plans and you can get more comprehensive coverage.

[@edic2619]

Great info. Thanks

[@tomgerryinphilippines8817]

Didn't you say in a previous video that coverage doesn't kick in until after a waiting period? I might be wrong but thought you had to wait 1 year until you can use it.

[@MrSteven5975]

My agent told me the first year is limited in coverage

[@Galavantin]

I wonder what they charge for lobotomy so I can forget the past here in the US. And start fresh in the Philippines 😁

[@MrSteven5975]

They do them for free in medical college for practice….. lol. Biden got one !! 😜👍✌️🙏🏻

[@rephillips56]

What about those of us who are between 66 and 70?

[@MrSteven5975]

There are plans for older people too

[@thecosmicsnail]

Good info. Are there deductibles with these plans? Can you use them for normal check ups? Thanks

[@MrSteven5975]

No deductible and I believe I read about a yearly checkup

[@julietbertez12]

Thank you sir for sharing. Wishing to get one too, if the income gets better. Is this for 10 years to pay?

[@fazbell]

I need a plan designed for geezers with preexisting conditions. I also need a plan that won't bankrupt me. Any options?

[@MrSteven5975]

They will do it but it’s a bit more

[@peacemaker_---]

Is it common for the medical staff to search your pockets for the insurance card if you can't communicate? What if you don't have enough cash on you? Do you get food or medicine?

[@MrSteven5975]

That’s why I always have a card

[@mikemarichu8207]

Great info

[@MrSteven5975]

Thanks 🙏🏻

[@jonross8925]

Where are all the listed Offices around The Philippines?

[@MrSteven5975]

I added the agents info in the description. You can ask them for that info.

[@Julian-ez3iq]

hi there, been an avid watcher of your channel since i found it last year or so. looks like your in the same town/city i am visiting on the 29th and 30th of september. any chance we can meet druning the day ? the teacher i am meeting will be working those days til 14,30 those days. if you have a way of contacting you if you are free?

[@MrSteven5975]

[e-mail]

[@circulator2437]

If you are retired military, why not use Tri care?

[@Traveler-PKK]

Only certain hospitals and PPN take Tricare. What happens if you are not near these hospitals and if they transfer you to an approved Tricare hospital the time it takes to get to the approved hospital you might die. It sounds to me you may need additional coverage that pays direct to any hospial rather than just few select hospitals that take Tricare. Also, if you are out in the provence and it is an emergency you most likely will die before they get you to a hospital. In the provences they have only small clinics. Note the following: Can I use my TRICARE insurance in Philippines? If you live or travel in the Philippines, you must see a PPN provider or a certified provider for your medical care. You're encouraged to visit PPN providers if you're enrolled in: TRICARE Prime Overseas. TRICARE Prime Remote Overseas.

[@MrSteven5975]

I’m not retired military. I was in the Navy.

[@charliesult4171]

not bad prices

[@MrSteven5975]

For what you get it’s not bad

[@andrewwhite1968]

I've got BC/BS Standard as part of my retirement deal. Is it accepted there, or should I ask them while I'm still in the US?

[@element564ddlosias6]

im planning iloilo city or any big cities is to inquire from the hospitals which of them take full Pacific Cross coverage before getting it.and how many of them takes it.or do you know any other insurance Steve.

[@MrSteven5975]

Contact Pacific Prime for other Insurance Companies

[@Matthew-gz4oh]

Did you mention 65-70 rates?

[@MrSteven5975]

Different plan

[@damncars2618]

1.5 million isn't that much coverage. Seems like you could just put $40k in a Bank and self insure.

[@MrSteven5975]

There is more to it than that.

[@TheMuffie007]

Can you sign up without being there? if not then to Question #2 Question #2 of the day what plans for 66 1/2 would be do able... Private room. Steve can you email the contact details... thanks.

[@MrSteven5975]

The info is in the video description.

[@MrSteven5975]

You can sign up from outside the country I believe.

[@willardwhitfield8363]

Hello all,I applied for pacific cross on 09/13/22 royale blue plan I'm 62yrs old is it normal to wait for 2 days to get your application approved?

[@MrSteven5975]

Yes

[@TangiblesTracker]

I'm reading nothing but bad reviews online about Pacific Cross. Does anyone here in the comments have any positive experiences with them?

[@MrSteven5975]

I had great luck with them

[@jamesfranklin615]

Pre existing conditions?

[@MrSteven5975]

Yes

[@kevinnashskitchen3517]

I need a fake new identity and lower my age 10 years😂

[@adriang3498]

so no insurance for age 70+?

[@MrSteven5975]

Yes there is but it’s a different plan.

[@johnkeogh42]

I'm 70 and gf is 50.

[@motorheadforlife9431]

LOL @ brain transplant 😂

[@MrSteven5975]

Lol

[@michaeltamares7974]

Joke!!@ u need the best insurance.. especially in the Philippines...still I prefer my medical procedures in California..i don't trust the procedures there in phil

[@Traveler-PKK]

For those of you who have Tricare Read the Following: manuals.health.mil/pages/DisplayManualHtmlFile/2021-12-16/AsOf/TOT5/C24S29.html