The REAL Healthcare costs of early retirement - Retirement Update

[@makfahim]

You both look good together. Is there anything you want to do as a wishlist?

[@ThemeParkBazza]

Probably travel a bit more while we can, around the world

[@deborahjohnson8015]

Thanks for another great video !! I'm a US citizen , living in Central Florida and I retired at 65 . My supplement is United Health Care and I'm very happy with the plan. I did not go with the Advantage Plan as a lot of my friends have. I travel as much as I can so the plan I went with works for me . Just a heads up for when 65 comes around !!

[@ThemeParkBazza]

Cheers, it won’t be that long :-)

[@AnAwfullyBigAdventure]

This has been a real help to understand the system better thank you. If/when we get visa and make it over. Can you open a HSA and put a lump sum in at the start? Beginning to think we factor in a couple of years of deductible amounts into our financial planning. Thanks 😊

[@ThemeParkBazza]

Yes you can put in a lump sum at any time, though there are limits you can add in a year. Once you get to 65 you cannot add more money in, only withdraw

[@AnAwfullyBigAdventure]

@@ThemeParkBazza thanks for replying 🙂

[@3252messi]

Unfortunately, I learned this when I’m in between jobs. Definitely a big factor when considering retirement. Great video as usual

[@ThemeParkBazza]

Sorry to hear that , thank you for watching

[@gilscot100]

Even as a resident I find it helpful to listen to any information….. things change every year. That book will be a great help. We had to figure it out on our own. FYI - Medicare is means tested. I pay for supplemental coverage which is partly subsidized by my former employer (retirement perk). It is the unexpected with medical. I retired at age 62 in 2018, and 2 weeks after I retired my very fit husband was diagnosed with throat cancer (he was still working). My employer covered full medical for me up to age 65 even as a retiree (another retirement perk) so although I was covered by my husbands medical coverage, I signed on with my own employer just before I retired AND added my husband - double dipping. Because he had double coverage we did not pay anything other than small copays of $10 for some office visits. The total cost of all his treatment was just under $250,000.00 (yes…..that is a quarter of a million… he is doing well). In 2022 I was diagnosed with cancer and so far I am up at $120,000.00. Past the worst of it but still getting some infusions so still some costs. Because of the supplemental coverage I pay on top of Medicare I have been fully covered… again only $10 office copay on office visits. When we moved to the US in 1996 trying to understand and figure out the whole medical system was a nightmare, and we had 2 children under 10.

[@ThemeParkBazza]

So happy your husband is well and you are through the worst of it xx . The system is very complicated and those numbers are very scary, did you use any companies , advisors to help you understand your options ?

[@gilscot100]

@@ThemeParkBazza We have an accountant and a financial advisor who have given advice so those were our only advisors really. So didn’t go to a specific Medicare/Social Security firm. I was very fortunate in that, with my job, my office was close to the office of the HR manager who dealt with benefits. So I picked those brains a lot. And I was fortunate to be in a really good union who sponsored retirement seminars so I attended a couple of those. It was at one of those that it was clearly explained all the options on when to start drawing Social Security. Fortunate also to have 2 friends who retired before I did, and who are each a year older than me so they went through the Medicare process before me.

[@ThemeParkBazza]

Great you were able to talk to some folks who have been through it already

[@CraigKell]

You did well explaining things.. I work at a huge health insurance company starting with the letter “C”… so good job helping others navigate this crazy US healthcare system : )

[@ThemeParkBazza]

My Cobra insurance is with a large US health company beginning with "C" , :-)

[@cindycoleman82]

When you are going to turn 65 you can apply for Medicare 3 months in advance. When you get your Medicare it will be part A and B and you have to apply for part D at that time (and take my advice get it whether you have a lot of prescriptions or not because if you don’t then you have to wait a period and reapply) also you need to get a Medicare supplement which normally runs about $100-150 a month. This takes care of your Medicare deductible and is WELL worth it. Medicare does cost you monthly and is taken out of your Social Security payment and is the same amount for everyone. It’s around $175 a month right now. It typically goes up every year but your Social Security normally goes up as well in what’s called a COLA raise (which is cost of living raise) and it helps cover the increase. Hope this is helpful, I had to do a tremendous amount of research when my husband became disabled.

[@ThemeParkBazza]

Great advice, we have a few years to go yet and hopefully my 'Dummies" book will help

[@KonstantinKreis]

Hi Maxine & Barry, thx for the great video! You explained the health care system very good. It has solified our decision to life our retirement in the future half time in the US and half time in Germany. So we can keep our German medical plans even abroad (max 6 month). ;-) We are enjoying our last days, before flying home on wednesday evening ;-(

[@ThemeParkBazza]

I think that’s a wise decision Konstantin based on how expensive it is here, safe travels hope to you and your family this week !

[@KonstantinKreis]

@@ThemeParkBazza thx, we are looking forward to ein bier, zwei bier, drei bier ;-) . Hope to see you again in a meet up!

[@ThemeParkBazza]

Nein, Ein großes Bier, zwei großes Bier :-)

[@KonstantinKreis]

@@ThemeParkBazza 😍 It´s only a real beer in Germany if it is groß ;-)

[@margaretalletson84]

Another tip,even for Brits on holiday,if you have a prescription to fill ,always compare prices using a Goodrx or similar coupon.Using one and changing my script to a different generic brand and using CVS at Target I saved well over $100 for a 3 month supply.

[@ThemeParkBazza]

A great tip

[@lexi-ginger-dogs1531]

Hello Mr & Mrs Baza. We enjoy your channel very much. My husband has retired recently and I would love to get him a tshirt like your blue every day is Saturday! Would you share where it was purchased? Also enjoyed seeing your home and town in the UK as well. Thank you so much. Happy travels 🌴😍 4:10

[@ThemeParkBazza]

I ordered mine from Amazon USA, I am not sure they ha e them in the UK

[@karenteeters473]

Ohhh looks like a lovely shopping trip!!! And can't wait to see what primark in the USA is like lol. Thanks for sharing katie xx

[@ThemeParkBazza]

We will head up there a few weeks after it opens to check it out, once all the crowds have gone

[@gavinfraser4247]

Great vlog. I know all about the costs of ER treatment from our trip in June. The invoices are still arriving weekly. I was charged $8,000 for being in ER at champions gate for less than 3 hours. $4500 was charged for me walking in the door and signing in ...😮

[@ThemeParkBazza]

Wow, they provide great service, but at a high price

[@AlanDoran-u6w]

Wow guys you’re amazing that’s so much hard work dealing with the healthcare in the US. Love from 🇮🇪 ☘️

[@ThemeParkBazza]

It's certainly a challenge when you live in the USA

[@AlanDoran-u6w]

@@ThemeParkBazza I honestly never realised it was that difficult or costly even with retiring. Thank you for showing everyone

[@michellelloyd9414]

I have no plans to retire in the US, but I still found your vlog interesting. Enjoy your retirement guys. 3.5 years until I can retire at 60 and look after my grandchild.

[@ThemeParkBazza]

Sounds great!

[@amandadodgson2444]

Ive been watching the DNC, talking about the costs of health care is scary, thank goodness for the NHS here, free if you can wait or non urgent, pay privately if not. Free prescriptions for age 60 plus, children and students. Dentistry is price banded on the NHS, so you know what your paying for. Straight forward really. Pharmacists have taken on alot of work fron GPs, simplifying things.

[@ThemeParkBazza]

Good to hear. I know my mum and dad have not been happy with the inability to see a doctor for weeks at an end

[@amandadodgson2444]

@@ThemeParkBazza it is frustrating at times particularly if you need to see the same Dr. for continuing care...hope they are well...

[@ThemeParkBazza]

They are thanks

[@isaacsworld9269]

I’m a UK nurse working in Orlando. They have THE best emergency care in the world but past that it’s a lottery.

[@ThemeParkBazza]

I should have said, though it's expensive, that our experience has been great care and service. Maxines Mum had an MRI recently after waiting 2 months, and the time it takes them to send the results to you is 6-8 weeks!

[@julietangney6355]

I retired at 58 and used the Marketplace, now 65 on Medicare Advantage. Note, you can continue to contribute to your HSA until you're 65, then no more is allowed.

[@ThemeParkBazza]

But I think you can still draw on it correct ?

[@julietangney6355]

@ThemeParkBazza Yes,sir! We paid into both of ours as much as allowed until 65, so we could draw from it once we started Medicare. It's a win-win financial choice. Now we use it to pay for any medical bills instead of our retirement income. Cheers!🍻

[@MrEdwinhardesty]

I guess I lucked out, I retired at age 56 and my company paid 100% of my medical until age 65. Then I got a Medicare Advantage plan where I have to pay $17/month. Not too bad.

[@ThemeParkBazza]

That's a very good deal

[@janetstevenson3954]

👋 peeps 🤗🤗 wow! 🇺🇸 medical sounds really confusing 🫤….I started watching your vlog yesterday and stopped as my door bell rang and how rude should someone cut me short 😀 on viewing your great vlogs !! Love Lady Max 🤗

[@ThemeParkBazza]

How rude !

[@fininaclara186]

My eyes are watering from those numbers😮 wow its expensive. Very informative, thank you.

[@ThemeParkBazza]

Glad it was helpful!

[@suzannesmythe6773]

We are so lucky to have our NHS. I will happily fight for it.

[@ThemeParkBazza]

Yes you are

[@kellyk209]

Wow…. Very interesting and mind boggling at the same time. Have a whole new appreciation for the NHS!

[@ThemeParkBazza]

Glad you enjoyed it!

[@margaretalletson84]

It’s also worth going to a medical facility and offering to pay cash or credit card upfront for a good discount..

[@ThemeParkBazza]

Good to know, I was not aware of that

[@michaelward4669]

@@margaretalletson84 yes cash is king nowadays in the US

[@wendywarrington1415]

Love your T-shirt barry. It sums retirement up 😊

[@ThemeParkBazza]

I think so Wendy x

[@skybluejay9473]

Great insight, thanks both. We never realised just how expensive the health care is in America. It will make us question whether we have enough travel insurance cover the next time we come over.

[@ThemeParkBazza]

Most insurance companies do understand the costs in the USA. You just need to check the maximum coverage they provide

[@donaldlamaster3789]

From someone that has insurance through the Market Place and deals with Medicare patients with my job, you gave a great explanation. And yes. Healthcare is is ridiculous in the US.

[@ThemeParkBazza]

Thank you, we do appreciate your kind words

[@wakeywarrior]

Now retirement has hit will you join a gym etc? Getting really fit is the only thing that holds back Father Time. Healthy weight, cardiovascular health, maintain muscle mass as you get older. Given the cost of medical care, this could be one of the best investments to make for all retired people. Never mind in US. Any plans for this in your costings for gym membership etc? £24000 a year is some money to have to fund. Good informative Vlog, I’m finding these interesting. I think interest rates are going down in US. The GBP v USD rate is shooting up as a result ($1.32 to £1 yesterday).

[@ThemeParkBazza]

Well that’s the reason we installed the pool, not for fun days but for exercise. We both swim every day and walk every day ( heat permitting) . Stress was another reason I retired early, it was a very stressful job and that is a silent killer as well. I am fitter today then I have been in the past 40 years

[@keepingitreal618]

Healthy people never die🙄. What happened to health guru Dr Mosley.

[@helgabullabong]

As a Brit in the UK that was eye opening. Wow, i didnt realise. Very well explained. Cheers

[@ThemeParkBazza]

Thanks for watching, cheers

[@EyeInTheSky27]

Great video again guys can I ask what do you use for editing videos? Also do you pay for copyright free music? Also what sort of laptop do you use for the vlogs please

[@ThemeParkBazza]

I use Luma Fusion and Edit on my iPad Pro. I subscribe to epidemic music

[@EyeInTheSky27]

@@ThemeParkBazza thank u very much

[@joeysaunz]

My son has a brain tumour and I am stunned how much we get for free , his 3 craniotomies (10-13 hours long) , radiotherapy, physio, chemo and all the prescriptions. When you think national insurance is only about £150 a year which just doesn’t cover our nhs I’m sure . It’s scary to think how much it would’ve cost in usa

[@joeysaunz]

Oh and numerous MRI scans . So grateful for our NHS He’s now in a hospice and that’s funded too by charity . It’s like a private hospital for cancer patients . It’s incredible.

[@ThemeParkBazza]

There are individual state programs to help some costs but no government program covering all

[@statesidestan]

Our car insurance was affected by our health insurance. We paid 1250 dollars a month for health insurance. Glad to back in the uk . The costs of house insurance was scandalous. Too

[@ThemeParkBazza]

Really , I never thought car insurance would be affected

[@lesliereynolds4492]

Love the two t-shirts. Thank you for sharing your medical costs experience. I heard the name Cobra but forgot about it. My friends did not do Medicare because they can keep the medical they have now with it going up a little and not having to pay for Medicare. Most people younger than us are going to have to do Medicare, my friend who retired early is going to have to do Medicare once she’s 62, pretty soon. We all worked/work for the same company. I worked longer due to not having a second income like all the married coworkers who took retirement early. I’m doing really well in that regard. Really love your vlogs.

[@ThemeParkBazza]

Great things are working out for you Leslie , thanks for watching

[@scottdenham848]

Good to see you covering insurance costs. Turning 62 in the spring so I have some time to go for medicare. BTW, waving to you from our timeshare just outside Disneyworld!

[@ThemeParkBazza]

Waving back through the rain !

[@chrisisjustme7546]

Hi Guys! Interesting vlog... the medical aspect of the states seems complex and scary! Loved your T shirt Barry, perfect for the video! All the best 😊

[@ThemeParkBazza]

Thank you

[@SusanLang-et9rt]

Hi.would just like to say…I live in Glasgow,Scotland….prescriptions are Free..

[@ThemeParkBazza]

Great to know !

[@FLgurl100]

Have you guys did a review on the “Pub Orlando “ who states they have the best fish and chips in the USA?

[@ThemeParkBazza]

We did a few years ago , and no it’s not the best fish and chips in the USA. Check out the vlogs from New Year’s Eve 2022 and the one where we played Top Golf with the lodge guys , both times we visited the Pub Orlando

[@GringoLoco1]

Another banger of an episode packed full of useful info. Thanks Bazzas!

[@ThemeParkBazza]

Glad you enjoyed it

[@GinaBertolo]

Thank you so much for this! I am a US Citizen and have lived here (and worked here) all of my life and I STILL find it confusing. I am single and 61 years of age (female) and pay $588 per month for health coverage (with dental).

[@ThemeParkBazza]

Hopefully, it's helpful, thst Medicare for Dummies I got from Amazon

[@archkod]

Sorry to let you know, from NHS website: "If you're moving abroad on a permanent basis, you'll no longer automatically be entitled to medical treatment under normal NHS rules. This is because the NHS is a residence-based healthcare system. You'll have to notify your GP practice so you and your family can be removed from the NHS register.”

[@ThemeParkBazza]

We have our own insurance when we travel to the UK

[@ganymedes62]

Very interesting, because my health insurance might become an issue when I finally join my spouse. I know I'll get my full disability payments from the Netherlands after I move to the US, but it won't be a whole lot. Of course, I'm already 62, going on 63 and probably closer to 64 when I do get the coveted green card.

[@ThemeParkBazza]

Definitely something to look into. Your disability may allow you to claim Medicare

[@ganymedes62]

@@ThemeParkBazza Thanks, we'll look into that!

[@marylynnconejo884]

I started with traditional Medicare when I became disabled at 50, and switched to a Medicare Advantage plan when those became available. I recommend that you look into those as well - perhaps your book covers this option.

[@ThemeParkBazza]

I will check, thank you

[@derekfairlie6147]

I’m new to your channel bazza and your life in Orlando is very interesting but I am amazed at how expensive everything is my question is not medical related but do you and mrs bazza have Disney and universal annual passes not sure if you’ve done a video discussing this I know the cost of the theme park tickets are getting very expensive these days

[@ThemeParkBazza]

Yes we have annual passes for both. We get resident rates for the passes so for instance Disney is about $700 for the year for access to all parks , so very cheap. We factored the cost of our annual passes into our retirement plan

[@thebrummierailenthusiasts5329]

Anyway I’ve just got another train videos if you want to have a look

[@ThemeParkBazza]

Cheers

[@thebrummierailenthusiasts5329]

@@ThemeParkBazzaanytime

[@juliablowfield6069]

Another informative video! Also love the t-shirts! 🇬🇧x

[@ThemeParkBazza]

Glad you like them!

[@jimcummins4532]

You guys should come and check out The Villages Florida I think you will be pleasantly surprised. Enjoying your videos.

[@ThemeParkBazza]

A bit far from the theme parks for us

[@susanorford7689]

Oh wow ¡! Deffo need to WIN lotto to be able to live in usa😢 Don't realise how LUCY uk national health is ... Huge thanks for doing this Mr n Mrs Bazza ❤🎉 xx

[@ThemeParkBazza]

You need to have a plan to afford it to live here

[@shirleymclean5895]

WOW! Super interesting, but just a tad overwhelming! We don’t know how lucky we are here in the U.K. When you were explaining the American system, it was a bit of a shock to be honest. I guess we had a general idea, but NEVER expected that!Oh my gosh, what if you were unemployed or had no job ( shudder )

[@ThemeParkBazza]

It’s one of the main reasons people can not or will not relocate to the USA

[@shirleymclean5895]

The whole change over from employed to retirement was pretty cold, saying that up until that point you could keep the same doctor, dentist etc. Gosh , some people have the same doctor and dentist for a lifetime here in the U.K. ( as you know ) Sadly, the British GPS are rare creatures, and you have to schedule when you are going to have the flu, to make your appointment welling advance! lol

[@shirleymclean5895]

Welling advance? WELL IN ADVANCE! ( apologies ) lol

[@ThemeParkBazza]

Yep that’s what my parents are finding

[@Sarahsparkles83]

Hi 👋 what happens to the really poor people in USA who can’t afford medical insurance? Do they get help with benefits like they do in the uk 🇬🇧

[@ThemeParkBazza]

There are support programs but not real government schemes I am aware of

[@tuzanne]

Very interesting but the thing you said about GP’s doing everything in the UK is misleading. I was referred to an Orthopaedic specialist to get my knee replacement and a Hand Plastic Surgeon specialist to repair a cut nerve in my hand when I was stupid enough to walk down some steps in high heels holding a glass of wine. Our old Management Co who lived in Florida for over 25 years had to sell up and go back to the UK after getting heard problems.

[@ThemeParkBazza]

I know a few folks who have sold up to go back to the UK when medical problem’s hit

[@grahamoaten5988]

will you still get your uk state pension at uk retirment age

[@ThemeParkBazza]

Yes we both qualify for UK state pension based on the credits we paid in before we left

[@runaroundsueaccessibletrav6357]

probably naïve question but could you not go to specksavers when your in the uk as this is a private service.

[@ThemeParkBazza]

Yes we could I guess

[@lesleycartledge422]

Would love to retire to Orlando, but we would never have that sort of spare cash per month.

[@ThemeParkBazza]

It’s something you have plan for decades in advance

[@FLgurl100]

Mr Bazza, is it true you wait forever to see a Dr in the UK ?

[@ThemeParkBazza]

That's the experience our parents have had. Nor forever but weeks rather than days

[@michaelward4669]

@@FLgurl100 it’s a lot better now with gps also pharmacies have taken up the slack as they are also qualified

[@DDadTravels]

It seems so much easier in the uk. On a second note, where can I get a “and mrs Bazza T-shirt” ?

[@ThemeParkBazza]

From our stores at themeparkbazza.com

[@DDadTravels]

@@ThemeParkBazza I’ll rock that T-shirt in Orlando!

[@ThemeParkBazza]

I am sure you would !

[@cf1137]

There's no entitlement to NHS services when visiting as US residents. Need proof of residency in the UK to access services. Wouldn't you just use your US insurance if you needed any emergency services while visiting?

[@ThemeParkBazza]

We do have travel insurance when we visit

[@AG-so4gl]

Actually as a brit expat overseas you are not immediately entitled to use NHS service if briefly returning. NHS is also residency based...

[@ThemeParkBazza]

We always have our own travel insurance as well

[@KendoNagasaki120]

So why do the boat people get it free Just get a cheap property in the UK somewhere job , Must be on some sort of pension to afford all of them on cost in florida

[@ThemeParkBazza]

Yes I get a company pension at 62

[@SamanthaSmith-tv1jl]

Bazza just wondering why you are claiming social security at 62 instead of,65 if you can get more money?

[@ThemeParkBazza]

The consensus of information I have read is to draw it as early as you can . You could wait until 70, I think, for the maximum payout. As life expectancy here of a man is only 77 years on average, I would rather take it early and enjoy life

[@teb3888]

I thought you said Cobra only covers 18 months and you said you retired May 1st. You also said even though you can sign up in Nov 2025 (open enrollment) the coverage doesn’t start until the following January. So if my math is correct, you may not be covered for Dec 2025.

[@ThemeParkBazza]

That's corect we will have one month gap between ending COBRA and rhe Marketplace

[@statesidestan]

Hi when we moved back to the uk after 14 years in Florida. I had to go to the hospital and the nhs sent me a letter for payment unless I could prove I was back living in the uk , full time. Luckily I updated my drivers licence to our new address in Leeds. Something to check on . I’m a uk passport holder and born in England

[@ThemeParkBazza]

Good to know

[@keepingitreal618]

Great that they did this. Easy to prove your residency.

[@lesleycartledge422]

Scotland and Wales have free prescriptions, sadly England dont.

[@ThemeParkBazza]

That’s great to have

[@stevewhitehouse9532]

My god thanks for explaining, health care is ridiculous 😮

[@ThemeParkBazza]

It’s not cheap for sure

[@ShaneM345]

Wish I lived in the US right with everything that's going on here in the UK!

[@ThemeParkBazza]

We have no regrets moving here

[@keepingitreal618]

@@ShaneM345 off you go then. Healthcare very cheap in US. Don’t let anyone stop you

[@joanconnolly5299]

I brought myself and 10 year old to urgent care in 2019 it cost us 472 dollars before prescription I'm absolutely certain we had covid

[@ThemeParkBazza]

Wow, you do get good treatment, but it's not cheap

[@sarahmurphy5045]

What if you cant work ,how do you get medical if your disabled and never worked ?

[@ThemeParkBazza]

As i mentioned in the vlog, if you are disabled you can claim medicare earlier

[@sarahmurphy5045]

@@ThemeParkBazza even if you have never worked.? It worries me what someone like myself would have done over there with all operations i have and still need x

[@ThemeParkBazza]

That I can't answer as i guess it depends on an individuals circumstances

[@sarahmurphy5045]

@@ThemeParkBazza thank you

[@charlestonscnative9083]

​@@sarahmurphy5045if you never worked you may be eligible to claim social security on your parents' work records (10 years or 40 quarters of coverage), otherwise you would apply for Supplemental Security Income which is much lower but would give Medicaid coverage. You would have to meet years of residency requirements among other things. I used to be a disability examiner in the states but moved to the UK because both of my in-laws developed dementia.

[@FLgurl100]

The further into retirement - Ms Bazzas bottle gets bigger and bigger

[@ThemeParkBazza]

Spooky that eh !

[@Jackson183]

Bypass is still going. We have a few private now circle heath is another 👍🏻

[@ThemeParkBazza]

Good to know

[@michaelward4669]

@@Jackson183 spire is another one

[@AnneGillespie-n6j]

Wow I can only imagine what my bill was in may lol bloods triage ct scan with contrast in celebration advent health er 😮

[@ThemeParkBazza]

A few $$ for sure

[@AnneGillespie-n6j]

@@ThemeParkBazza hopefully my travel insurance covered it and a huge bill won’t land at my door 🤞

[@ThemeParkBazza]

They are normally pretty good

[@paulinedavidson3139]

In scotland you dont have to pay for prescriptions 😊

[@ThemeParkBazza]

Good to know

[@gingerkilkus]

Retirement is now more difficult than it was in the past. I've been saving for a long time instead of investing, and right now I only have about $400K. considering all the inflation, i'm thinking of investing in stocks, i dont just have idea on market strategies.

[@ThemeParkBazza]

Neither do I , that's where a good financial planner comes in. They manage my investments for a % fee, so it's in their interest to grow the portfolio. I started working with advisors 10 years ago and has enabled me to retire now

[@willyjohnston1519]

In Scotland prescriptions are free.

[@ThemeParkBazza]

@@willyjohnston1519 That's great to know

[@KendoNagasaki120]

Just get on plane and come back to uk ,and save 20k

[@ThemeParkBazza]

If you could guarantee me Florida weather, then I may consider it :-)

[@supposedly1-2]

This blog may scare some people so if you're not rich or well planned here's the info you might need. once you're on social security you can get full coverage for about $120 a month if you are not poor. also never pay that much for health care coverage in the US and i mean $400 a month is ridiculous when you won't use it. you can self fund y our medical coverage because you would never use that much money . Also medical bills can't affect your credit rating and as long as you agree to make a small monthly payment you cannot be prosecuted or anything. so unless you have cancer or something like that never pay that much money for medical in the US. I am poor and disabled on social security so i am fully covered for everything for free but i grew up with no insurance so i know how it works. we never went or even now go to the dr unless we thought we were dying lol

[@ThemeParkBazza]

That's great advice, much appreciated

[@asmrcolino2792]

Bupa is now spires health care

[@wakeywarrior]

It’s still Bupa- at least mine is. Spire is the name of some of the hospitals, which was originally formed when Bupa sold off its hospitals. But Spire is an entirely different (listed) company to BUPA.

[@ThemeParkBazza]

Thank you

[@teresatuite7081]

Max your funny 😂

[@fionabegonia7802]

Funny that you are discussing healthcare costs while Mrs. Bazza chugging from giant bottle of rum.

[@ThemeParkBazza]

Ironic really

[@LebronRoque-vk1ij]

No offense meant sir and ma’am. You both look so old in your chronological age of 58 years old. However, your videos are very informative and not boring to watch. We don’t skip the advertisements. Mote power!

[@ThemeParkBazza]

I had a hard paper round as a kid :-). Thanks for not skipping !