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I saw someone post about device insurance about two months ago. I thought I saved the URL/company name but apparently I didn't. Anyone use device insurance that they'd recommend? TIA!
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I think you might be referring to this, which I re-posted a while ago

www.worthavegroup.com/product/laptop-insurance/
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has anyone purchased US health/injury insurance that would cover an electric skakeboard? snow cover etc
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not aware of any US _health_ insurance that doesn't cover high-risk activities like that
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Maybe check out www.lifebyspot.com
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gepvqrtb thank you!!
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is anybody insuring personal possessions year-round and if so through what policy ๐Ÿค”
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like theft/loss insurance
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I feel like I recall people talking about a state farm policy
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Hi- I need a prescription drug and can only get one month at a time with my US insurance plan. Now that I'll be leaving for the US soon for Europe, that won't cut it. How do people get prescription drugs in Europe? Will I have to see a doctor there and take a bunch of tests? I kind of doubt int'l insurance covers pre-existing conditions but haven't investigated really. In Mexico I could just buy it off the shelf in 1995. Doubt that I can do that in Euro today.
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I'm definitely excited to try them out. They're rolling out to my state later this year, and have worldwide coverage
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Really, I'm mostly concerned about spills and broken bones coverage
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depends on the drug
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and country
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and doctor
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some combos of countries/drugs probably leaves you SOL, some combos probably have it OTC, some combos you probably just need the right doctor or the right tests conducted
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We have a renter's insurance policy to cover our personal gear. Theoretically we are renting a room in a friend's house to allow this policy to exist. It is untested, but I confidence is high.
The policy is through Safeco. It was the only solution I could come up with that was affordable and didn't have a max payout.
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Just found out my plan has a "vacation over ride." Sounds too good to be true but I hope it works.
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just buy with cash?
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i mean, what's the generic drug?
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people get caught up in working within their plan - sometimes it's stupid cheap outside the plan if you have the right setup
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unless it reveals a specific issue, let me know the generic and i'll give you reasonably good advice
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$3000. That's what it was out of pocket and for a generic. This country is nuts.
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is that formulary price?
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or actual real price including common PBM discounts?
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I can price a Tylenol at $140/pill if you give me some scotch and 60 minutes of poking around :)
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$3k sounds like either biologic pricing, infusion pricing, or 2016+ drug pricing (abilify etc)
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otherwise its just bullshit profit raking. What's the drug?
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that's a little private, don't you think??
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if the drug you need to buy is too private to share then it's not really worth asking in a community for advice on how to buy it
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could try google
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We're all on pills
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I don't think asking a theoretical question about how to get prescription drugs in another country requires that kind of specificity.
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Some prescription drugs are completely illegal in some countries. Others you can't carry easily across borders. Some countries have easier or more difficult access to types of prescription drugs

ex www.rd.com/advice/travel/common-medications-banned-in-other-countries/
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I understand it's a personal decision not to talk about your medical history, so unfortunately the advice anyone could give here would just be generalized
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If it's Valium, you're fucked. If it's an SSRI, any walk-in doctor will happily write you a three month scrip and you can get the generic version for cheap
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If this is a cost thing, but you have a valid prescription, an online pharmacy is probably fine for stocking up before you go but again
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It depends on what it is
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If it's Adderall, don't do it, because it's amphetamine. If it's a prescription level antihistamine then who gives a shit
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None of those but thx! My insurance is covering it.
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yeah, so you asked a specific question and every drug is different - some are free, some easy to get, some aren't possible. Some you can import in bulk via mail into your destination country.
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Glad your insurance is covering it.. but I thought that was the point of your question, which is why i offered to help. With such a broad description, there's not a ton of advice that can be given other than 'it depends'
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Ok, thanks. I didn't realize certain drugs were easier than others.
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If they end up not, I'll get specific. thx
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Any recommendations for US Nationwide Health insurance? I'll be in Texas and sometimes California for the next 3+ months
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what's your citizenship status? I use Allianz travel insurance when I'm in the states, but it's not for all nationalities
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US Citizen. I'd prefer regular health insurance over travel one because I'm not sure how long I'll stay in the states .. could be a while
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hmm. real health insurance could be complicated. look into the obamacare enrolment options (if they're still around). that might be your best bet
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I think you'll have to join a state's obamacare plan. California's will be a lot better.
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Yeah been looking at healthcare.gov site will see how it goes. Not seeing Nationwide coverage options so far tho
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Aren't most health plans national? Like your PCP should be in your resident state, but you can travel around and still get treatment, no?
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Not in the US. Each state has it's own set up. Obamacare is their federal funding source and Obama set basic rules they have to follow like you can't be denied for pre-existing conditions, people 26 and under can be on their parent's plan, etc., but Trump is chipping away at all those regulations so it's even more state-modified now. Getting on Medicare, a federal program, helps, but some states refuse that money to make a point. I'm just not sure what that point is. Let people die?
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Check the Obamacare website to see when open enrollment is happening. You may still have time to jump in with less fuss than if you do it when that ends. I bet you have to prove state residency. Maybe use a friend's address.
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Blue cross blue shield licensees work across borders if you buy the expensive plan but it's spend and not perfect. Not everything will be in network
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better than the alternative of no insurance, though, if you'll be there for a while. I was without insurance for my last month in the States and I held off on doing physical therapy till I got to Chile.
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Blue shield blue Cross is what I'm applying for rn. And also a housemate who digitally nomads recommended temporary health insurance called Pivot
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never heard of that, but BSBC affiliates have good coverage
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and through Geo Blue Worldwide
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its decentlyhandled
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they code it back to US standards
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then submit for reimb
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international is in network
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because its laughably chepa
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ymvddfqbrnbv question makes me wonder, as a US citizen, how will signing up for a state's Obamacare health insurance affect your FEIE status? Or taxes in general? Will it make you liable for taxes in that state until you can prove you're no longer resident in that state? That last question makes tying yourself to California seem risky
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Looks like my insurance isn't going to cover more than one month supply for my drug before I leave the US for Croatia. Does anyone know if it's possible to get lamotrigine over the counter in Croatia or do I have to see a doctor there to get a prescription?
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I don't know, but they seem to have a centralised electronic prescription service, so I'd guess you'll need a scrip. That said, a doctor is $30ish
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ucjeoscyb so you are still in the us it appears. Go to any Walmart with your prescription, and just buy it in cash. A 90 day supply is $10 without any insurance. You can fill as many as your prescription has (including all refills.. so if you have a 3 month prescription with 3 refills, you'll pay $30 and be given all 270 pills in one go)
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That particular drug is a generic and has zero bioaffinity issues regarding generics that I see, so you'll be good to go wit that. Your current pharmacy can electronically transfer the order to Walmart
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Your insurance may usually make it free or something but for $10 per 3 mo with the option to fill as many months of it as you have a prescription for... there's no reason not to ensure you have a years supply considering that medication should not be stopped abruptly
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Costco will also sell you 360 of them for $39.14 (no Costco card required.. again just call your current pharmacy and say "please transfer my prescription to {Walmart, costco, kroger}". They're required by law to transfer it, and they won't give you a hard time about it.

If you grab the GoodRx app you can get 360 of that med at the max strength at any of those 3 stores for under $40, no insurance needed.
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Walgreens will charge you $466 for the same drug. Yikes
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If you have any trouble, just message me, I'll walk you through it in more detail.
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Wow. It's that easy? I'll check that out. Thanks!
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It's really easy. The impression that you need insurance for those drugs, or that it saves you money for generic drugs, is something perpetuated by the insurance industry :)
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Download goodrx app. Enter drug, dosage, and zip code. It'll give you the cheapest option and a coupon (or for Walmart/Costco , no coupon needed)

Cal your pharmacy, say "please transfer my prescription to <pharmacy you picked from list>"

Go to new pharmacy. If they ask, no you don't have insurance, but you have this coupon from goodrx (show on screen). Tell them you want to fill all your refills at once. You're allowed to ask for this, it's a routine request. Say it's for travel if they ask.

If you get a price more than $40 for a 6-9 mo supply, you got something wrong.. message me and I'll walk you further through it :)
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You might find they don't have enough for you and have to have you come back tomorrow to fill it, but that's the worst problem you should face
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If you don't end up with something like this screen, stop and reassess as you've wandered off the path :)
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That reminds me, I should go through some travel meds (antibiotics/antivirals) I got before travelling, and dispose of them. They're likely jank by now, and could replenish here in Mexico pretty easy
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It says $955 for 360 tablets on goodrx. A lot better than market rate, but my insurance would be $20 total. So I think I'll wait a few days and try the insurance for the vacation override. They said I have to wait to 5 days before I go to try and get it. If they don't give it to me, I'll do goodrx. Thanks for the tip!
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Wow, it dropped a lot when I took out extended release.
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$40
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Ah, you didn't mention ER
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Could cutting the tablets and taking doses through the day work similarly? I don't know the drug, but seems like a decent strategy to save a grand
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Sometimes the ER version has clinical benefits in terms of the slower release time. Sometimes it's just for pt convenience. Ask your doctor just in light of fact that particular drug isn't to be screwed around with in terms of dose consistence
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Good point
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It's a very common drug industry strategy to extend a patent I making an extended release version.
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I feel, the USA pharma industry is... Not an industry that has well being as a principal goal
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More like how Comcast views internet service ๐Ÿ˜„
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But, because that drug is in a class where you have to be very careful to avoid any sudden changes, I wouldn't feel comfortable suggesting any switch and would tell you that this is why doctors should be asked (although truthfully a pharmacist is trained specifically to understand more about how the body would metabolize extended release versus standard release) would be the way to go.
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Dr Devrando
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You have a spread of knowledge there, friend
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In a study of approx 50 pts who converted to XR/ER, they did see evidence of better symptom control and fewer side effects
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They've gotta be cheaper in Europe
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I can't find it in the UK through my usual sources
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Thanks all. I feel almost guilty asking my state insurance to pay so much more for ER when 2xday was fine. Didn't know how much more it was. I'll tell my doc I'm ok with going back to 2xday to save taxpayers $900. Docs should maybe mention this stuff too.
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Awesome! Then you can get a years supply for $50 or so.
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Doctors have zero insight into the cost of your drugs
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xppnkxrqko that seems like a solvable problem.. i would expect that most doctors would actually prefer to prescribe the more affordable version of drugs if they can easily see what the pricing is
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(for the majority of cases where drugs are cheap)
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so some health markets (like cleveland clinic) have done this
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but generally, docs have zero idea what anything costs.. especially because your insurance might pay $0 or $50,000/mo for your drugs
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when docs understand the price difference, they will go for the cheaper option
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and some family practice people know how some common drugs cost because patients keep coming back saying "I couldn't afford it"
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but case in point.. look at that prescription that was $455 at walgreens, and $40 at walmart.. for the cheap version of the drug.
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no way is a doc going to remember that
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i once had a friend get prescribed antibiotics at a ER. The antibiotics, with insurance, were $900
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the pharmacist called the ER doc and said 'you realize the $5 version of this drug has the same efficacy, right?" and the doc was _shocked_ because he never gets price feedback - if someone didn't take what he told them, some other ER doc or a PCP will see them
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docs aren't jerks, but also they can't possibly know every drugs cost
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and frankly.. the brand name patent drugs are awesomeโ€ฆ you can't refuse to prescribe until stuff goes on generic
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think of patients on warfarin.. the new anticoagulant drugs are fucking miraculous, but expensive
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as a doc, you want the highest standard of care _possible_ (important word..) - but nobody got sued for recommending the best possible care, even if the pt then comes back and asks for the bleedy-mc-leaky pills instead because they're so cheap we use them to poison rats
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worst prescribing protocol for warfarin i ever saw was a UK ED doing stabilization and discharge on a geriatric pt.. they basically just shouted at him because his hearing aid wasn't working telling him to take the mystery pill every day forever.. without ever actually explaining how critical it was to his overall health (I mean, he was not going ot live forever, but still. it was just awkward). 90 seconds of writing it down or just getting a social worker involved would have, i feel, materially improved his outcomes
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but what do i know, i'm just a dog on the internet hopped up on bolivian marching powder.
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zgmjxdjsuj interesting! (and sad, that last bit about the geriatric patient)
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cbcalnfuoe I used a GoodRx prescription and will pick up tomorrow 360 tablets for $40! This is so unreal. Every American should know about this. Thanks for the tip!
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happy to have been able to help!
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Just a heads up, in case it matters, that GoodRx gives you the hefty discounts because they are mining your medication usage
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At least that's what the pharmacists tell me when I ask about it
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American health care system is so ludicrous
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seriously, wouldn't it be nice to have a health care system that you didn't have to try to beat...
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inrbefegpj I mean, all PBMs are. Every insurance company in america uses a PBM and they are all doing that
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So it's not specific to GoodRx. They're making money primarily like an insurance company.. by charging a little more than the true cost, and selling on data.
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If she'd filled via Blue Cross Blue Shield, a PBM would also have sold on the data..
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Blue California uses a related entity for their PBM, but most don't nationwide
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Express Scripts is the big kahuna
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ihdhrofoty you sound way more knowledgeable than me on this stuff, but I'm a bit surprised by that given the HIPAA laws, which admittedly, I don't know that much about either. Either way, people should be aware. And again, it sucks that in the US you are forced to make this choice of "do I sell my deeply personal/private info to make my meds somewhat more affordable"
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So the only way your data is not being sold is if you pay cash within coupons, no insurance, no discount, etc.
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In all other cases (Cadillac insurance, discount insurance, discount card, Walgreens savings plan, goodrx, coupon, 'copay card', etc) a pbm is selling your data
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in capitalist US, health care games you
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Iโ€™m having health insurance policy anxiety again. (US citizen) About to go with Cignaglobal no USA coverage again but that selecting a place where Iโ€™ll be โ€œresidentโ€ brings up many questions.
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I usually just put my mailing address. I've never had a provider question it, and I've filed a few claims in the past
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Even in the event of repatriation, I've been asked where I want to go
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Your mailing address in the US? I canโ€™t select US for my address (no coverage there). I donโ€™t want to be sent to the US for care without coverage anyway
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I donโ€™t think you can even select the US if youโ€™re including it as part of your coverage with Cignaglobal since itโ€™s meant for expats
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Ah ok, I misunderstood, sorry. If you live in Dubai, why not put Dubai as your residence?
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I don't think Cigna does rigorous address verification with applications if memory serves. I applied earlier this year.
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They only allow you to select specific countries. UAE isnโ€™t one of them (where I am now). The form wants a complete address which is a bit of a pain since the two countries I can supply a complete address for arenโ€™t allowed. I donโ€™t have an exact address where I will be in a month. I assume theyโ€™ll mail the card to this address as well so Iโ€™m hesitant to put in something random ๐Ÿค”
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I also looked through the policy guidance document for you. I think the biggest issue with listing another country other than UAE as your place of residence would be re medical repatriation. So in the event that you injure yourself while travelling outside UAE and need to be flown home, you would not be offered the UAE as a destination, it would be whatever the listed residency is, and your country of citizenship (US I believe?). That's based on the verbiage in the policy outline, but I'm not sure how strictly they take it
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It lists UAE as a selection but then it wonโ€™t let you proceed
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So technically you can select it in the form (USA too) but certain countries have different requirements if selected as country of residency so they wonโ€™t let you proceed to purchase
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Does anyone nomad long-term while being an employee for a company that has a health insurance plan? Iโ€™m looking to see if Iโ€™ll be covered. It has โ€œemergency assistance while travelingโ€, but I just canโ€™t imagine I can walk into a clinic in Buenos Aires and get covered by my companyโ€™s health insurance company based in Canada when Iโ€™m not even eligible for Canadaโ€™s national health insurance OHIP.
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Iโ€™m assuming not and was planning to get something similar to Cigna.
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Normally there are a very select number of clinics or hospitals that are covered. Your health plan should like them for BA
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i did for a long time, but your coverage abroad is going to vary heavily provider to provider .. but it's pretty unlikely it will do anything more than emergency coverage or repatriation
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but having it is a good safety net, because small things you can pay out of pocket and if you get some type of travel/expat plan that covers repatriation in emergency situations you can expect to be able to get home to use your health insurance there
hidden for non-members5d
Thanks, good to know!
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