Forum Thread

Financing Cancer Treatment for a Returning US Expatriate Who Isn't Currently Insured

apianopeep 8 20 March 18, 2016 at 08:01 PM in Finance (2)
Deal
Score
0
2,776 Views

Thread Details

TL;DR - My 63 year old dad (a US citizen who retired in the Philippines) just got diagnosed with prostate cancer. Considering our options as far as money is concerned since he doesn't have health insurance.

So my dad in the Philippines called me last night to tell me he has prostate cancer. He doesn't have health insurance (He'll be eligible for Medicare in 2 years) so I was wondering the best way to approach this situation. My healthcare insurance is free so I've never really had to deal with the market with Obamacare. My parents have been able to live off their minuscule retirement savings since the Philippines is so cheap. Plus, they still have around $24K coming in per year from their rental properties in the US. These are the options I came up with so far.
  • Fly to the US (TX or WA) and get Obamacare - I think he qualifies for special enrollment since he'll be moving back to the states and changing his primary residence.
  • Sign up for an easy distance classes at a university and use the student health plan. Do people still do this post-Obamacare?
  • Get treatment in the Philippines and pay cash. Not sure if I trust 3rd world medicine though. I mean, I work in healthcare now and after seeing what goes one behind the scenes, I don't even trust US medicine!
  • Would he be able to qualify for Medicaid in TX or WA? My parent's joint tax return shows an AGI of $24K.

I checked and I can't make him a dependent on my plan.

14 Comments

1

Sign up for a Slickdeals account to remove this ad.

Joined Dec 2008
L10: Grand Master
6,011 Posts
1,944 Reputation
#2
It all depends on the type of cancer he has and treatment plan. Are they suggesting that he needs a prostatectomy or radiation treatment?

I would take a step back, have him come to the US. Cash pay for a consult with someone at Baylor (TX) or Swedish (WA) and see what they say. In many cases, there could only be a need for surveillance.

Once you have the second opinion, then look at your options for care coverage. To be honest, I would not want something like that to be taken care of by the MD's that would take Medicaid or even an exchange plan for that matter.
Reply Helpful Comment? 0 0
Last edited by tennis8363 March 18, 2016 at 08:40 PM
"This whole.. I have XX company so my pee pee is 2" longer talk is hilarious. Who cares what company is cheapest, best, etc. Pick the company and plan you want and keep it to yourself."
#3
Quote from tennis8363 View Post :
Once you have the second opinion, then look at your options for care coverage. To be honest, I would not want something like that to be taken care of by the MD's that would take Medicaid or even an exchange plan for that matter.
You're really, really off. I purchased a CareFirst BlueCross/BlueShield plan through the exchange in Maryland. My doctors? Some of the best in their field at Johns Hopkins, one is currently making international news for his groundbreaking work. And the vast majority of them accept Medicaid too. Please don't automatically equate "exchange plan" with "automatic substandard care." And yes I well understand that some states have exchange plans with a much more limited provider network, but in no way does that mean the providers are subpar.

OP, I'd absolutely contact the state exchange your father is looking to move to and ask about special enrollment circumstances. In Maryland, I can even get this information walking into a local CareFirst office and speaking to their licensed insurance producers -- so you may be able to do the same and speak to a person face-to-face.
Reply Helpful Comment? 0 0
Joined Dec 2008
L10: Grand Master
6,011 Posts
1,944 Reputation
#4
Quote from StrawberryWine View Post :
You're really, really off. I purchased a CareFirst BlueCross/BlueShield plan through the exchange in Maryland. My doctors? Some of the best in their field at Johns Hopkins, one is currently making international news for his groundbreaking work. And the vast majority of them accept Medicaid too.
The plans in Arizona have horrendous networks (and the local Medicaid, well that is even worse). I was basing it off of that and made an incorrect generalization - you are right, it must vary significantly by state. I believe the Blues pulled out of the marketplace in AZ. They did have the biggest network in 2015.
Reply Helpful Comment? 0 0
#5
I would contact the hospital you want to get treatment at. Many hospitals that specialize in cancer treatment have a dedicated department for international patients in situations like your father. They may be able to offer some sort of financing as well.
Reply Helpful Comment? 0 0
Joined Dec 2005
L10: Grand Master
6,348 Posts
1,085 Reputation
#6
Make sure if he has any assets (cash, property) that they are transferred to you or someone else he trusts as soon as possible. At some point he may need expensive care and they will look at all of his assets and anything he got rid of the prior 2 years. It never hurts to be prepared. Free care is only free for the destitute. If he has any assets he will be required to turn them over before getting some of the care he may need.
Reply Helpful Comment? 0 0
E finita la cuccagna

Liberals want you to think like them, Conservatives just want you to think!
Joined Jul 2005
killroy was here
9,104 Posts
1,224 Reputation
#7
Quote from dealgate View Post :
Make sure if he has any assets (cash, property) that they are transferred to you or someone else he trusts as soon as possible. At some point he may need expensive care and they will look at all of his assets and anything he got rid of the prior 2 years. It never hurts to be prepared. Free care is only free for the destitute. If he has any assets he will be required to turn them over before getting some of the care he may need.
he said medicare not Medicaid. Medicaid also has a 5 year look back period not 2.
Reply Helpful Comment? 0 0
so i spent time making a signature. only to realize that you couldn't put an image in the signature. please enjoy the link to my signature, assuming it works.

http://imgur.com/FtBghZ2
Joined Dec 2005
L10: Grand Master
6,348 Posts
1,085 Reputation
#8
Quote from dayv View Post :
he said medicare not Medicaid. Medicaid also has a 5 year look back period not 2.
Good info. And I am not just talking about medical care costs, more so the cost of putting him into an assisted care home or something of that nature at some point.
Reply Helpful Comment? 0 0

Sign up for a Slickdeals account to remove this ad.

#9
Prostate cancer = reach out to the NIH in Bethesda, MD and ask about the Multidisciplinary Prostate Clinic.

They will enroll him in a trial and cover the costs of care, which includes standard of care if thats what he chooses. They have some of the most dedicated and brightest physicians in the world (who aren't working for the money - their salaries are all public info and about half the normal).

Many patients fly in from around the world and get free cutting edge care there.
Reply Helpful Comment? 0 0
#10
Quote from CDI View Post :
They will enroll him in a trial...
At the very least, you need to get a 2nd opinion before you start considering clinical trials. You only want to do a trial if the outlook looks uncertain. No need to rock the boat with unintended consequences from an unproven trial if his tumor isn't progressing.

And this is all coming from someone with brain cancer. I know how it goes...
Reply Helpful Comment? 0 0
#11
Quote from dealgate View Post :
Make sure if he has any assets (cash, property) that they are transferred to you or someone else he trusts as soon as possible. At some point he may need expensive care and they will look at all of his assets and anything he got rid of the prior 2 years. It never hurts to be prepared. Free care is only free for the destitute. If he has any assets he will be required to turn them over before getting some of the care he may need.
You're advising him to weasel out of paying for care and make everybody else pay for what he needs?
Reply Helpful Comment? 0 0
When the facts change, I change my mind.
Joined Dec 2005
L10: Grand Master
6,348 Posts
1,085 Reputation
#12
Quote from Grinner View Post :
You're advising him to weasel out of paying for care and make everybody else pay for what he needs?
I'll be sure to lose some sleep over that. ZzZZzZzZZz
Reply Helpful Comment? 0 0
#13
Quote from Grinner View Post :
You're advising him to weasel out of paying for care and make everybody else pay for what he needs?
If he can do it legally, according to the rules, why not?
Reply Helpful Comment? 0 0
#14
Quote from Aseras View Post :
If he can do it legally, according to the rules, why not?
That's a fair question if you have no character or morals.

If you found a wallet with loads of cash in it do you have to hand it in or find the owner?
Reply Helpful Comment? 0 0
#15
Quote from apianopeep View Post :
TL;DR - My 63 year old dad (a US citizen who retired in the Philippines) just got diagnosed with prostate cancer. Considering our options as far as money is concerned since he doesn't have health insurance.

So my dad in the Philippines called me last night to tell me he has prostate cancer. He doesn't have health insurance (He'll be eligible for Medicare in 2 years) so I was wondering the best way to approach this situation. My healthcare insurance is free so I've never really had to deal with the market with Obamacare. My parents have been able to live off their minuscule retirement savings since the Philippines is so cheap. Plus, they still have around $24K coming in per year from their rental properties in the US. These are the options I came up with so far.
  • Fly to the US (TX or WA) and get Obamacare - I think he qualifies for special enrollment since he'll be moving back to the states and changing his primary residence.
  • Sign up for an easy distance classes at a university and use the student health plan. Do people still do this post-Obamacare?
  • Get treatment in the Philippines and pay cash. Not sure if I trust 3rd world medicine though. I mean, I work in healthcare now and after seeing what goes one behind the scenes, I don't even trust US medicine!
  • Would he be able to qualify for Medicaid in TX or WA? My parent's joint tax return shows an AGI of $24K.

I checked and I can't make him a dependent on my plan.
Your insurance isn't free. It is part of what you are paid for at your job.
Reply Helpful Comment? 0 0
Page 1 of 1
1
Join the Conversation
Add a Comment
 
Copyright 1999 - 2016. Slickdeals, LLC. All Rights Reserved. Copyright / Infringement Policy  •  Privacy Policy  •  Terms of Service  •  Acceptable Use Policy (Rules)  •  Interest-Based Ads
Link Copied to Clipboard