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PaperclipPerfector  9d ago (text post)   2002 thread views

Wellness Wednesday for February 12, 2025

The Wednesday Wellness threads are meant to encourage users to ask for and provide advice and motivation to improve their lives. It isn't intended as a 'containment thread' and any content which could go here could instead be posted in its own thread. You could post:

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  • Encouragement. Probably best directed at specific users, but if you feel like just encouraging people in general I don't think anyone is going to object. I don't think I really need to say this, but just to be clear; encouragement should have a generally positive tone and not shame people (if people feel that shame might be an effective tool for motivating people, please discuss this so we can form a group consensus on how to use it rather than just trying it).

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The only thing that's better is the Cigna Expat plan. The properties are as follows

  • You must be domiciled in the US
  • Your US based employer must be having you work abroad
  • The premiums are low, like $500/mo
  • You pay out of pocket
  • You submit expenses and they reimburse you 100%

Turns out if you're high value and healthy enough to send abroad, insuring you is really cheap

There's probably also

  • There's a decent chance that any medical event they would be on the hook for happens at a foreign hospital, which, on average, is going to be a whole lot cheaper than a US hospital.

For reference, $500/mo for health insurance is very expensive even in HCOL and high-GDP-p.c. countries like Switzerland, Liechtenstein or Norway.

Yeah I dunno man. After UK NHS told my (then) wife it would be a year wait to see a psychiatrist (to continue her mood meds she was on in the US), we found some Covent Garden psychiatrist that charged £300 for her once monthly sessions and it was all no problem and reimbursed at 100%

I don't think it's normal for a health insurance plan to let you just see any specialist with zero triaging and cover 100%

I really have no idea what their limits were. I went to a private GP to get a health certificate to run the Paris marathon, and it cost £100, and that was reimbursed. A years worth of sports physical therapy was also reimbursed 100%

I could only conclude the cohort was so healthy that even our splurging didn't matter.

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