Posted by: Hem Narayan Chhantyal September 1, 2019
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sems ur suffering alot form your health issue, ur questions are kind of unclear, if u could be specific then its easier to answer, what problem do u have in particular ? first i thought u jus want a routine check up, now i am feeling u have a serious history of illness, unlike auto insurance health insurance is lil bit tricky, cobra is a bridge insurance worthy and affordable but if u have a history of illness in us medical system they will not cover for your major medical bills including surgery, mri and other issues. consultalcy insurance is kindo of crappy, good for nothing, ( it used to be not sure about now ).
genetically we indian, nepali have some health issue that other american dnt have so if u have such issues these primary care doctor dont respense well, doctor treat u well if u have good insurance ( its a business)
in this scenario i would suggest to contact some nepali doctors in usa .. there is a forum of nepali doctors, u can seek advice from them, its better to ask to them prior to any check up because they know what kind of disease or illness we have then according to their suggestion u can directly go to specialist , this way u save time n money.. some major surgeries or illness are better treated in nepal, its just not about cost but it comes with associated complications.
a good insurance cost about 14000 a year for 2 people, i know my employer used to pay this. a small surgery which cost only 50000 in good hospital in nepal cost around 200K in usa. my hospital send this bill to my insurance which after negotiations the insurance paid around 125 k .out of 125k expense my copay was just 200 deductible which i got refund from my employee union later. being sick is a mess in usa. take unofficial advise from nepali or indian doctor if u have report u can show them. i dnt know about indian doctors but nepalese dnt charge for it they are happy to help u. u can also take advise form medicity hospital in nepal via online but in this case they will only guide u according to nepali protocol but if u consult nepali american doctors they will help u according to us protocol
genetically we indian, nepali have some health issue that other american dnt have so if u have such issues these primary care doctor dont respense well, doctor treat u well if u have good insurance ( its a business)
in this scenario i would suggest to contact some nepali doctors in usa .. there is a forum of nepali doctors, u can seek advice from them, its better to ask to them prior to any check up because they know what kind of disease or illness we have then according to their suggestion u can directly go to specialist , this way u save time n money.. some major surgeries or illness are better treated in nepal, its just not about cost but it comes with associated complications.
a good insurance cost about 14000 a year for 2 people, i know my employer used to pay this. a small surgery which cost only 50000 in good hospital in nepal cost around 200K in usa. my hospital send this bill to my insurance which after negotiations the insurance paid around 125 k .out of 125k expense my copay was just 200 deductible which i got refund from my employee union later. being sick is a mess in usa. take unofficial advise from nepali or indian doctor if u have report u can show them. i dnt know about indian doctors but nepalese dnt charge for it they are happy to help u. u can also take advise form medicity hospital in nepal via online but in this case they will only guide u according to nepali protocol but if u consult nepali american doctors they will help u according to us protocol
Last edited: 01-Sep-19 08:36 PM