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  1. No market nearby I don't think but you can always get a moped to nip to the shops on... around that lagoon area it's overpriced and frankly quite far away from most things unless you have transport
  2. If you are American, be sure that whatever insurance plan you choose is HIPAA compliant. This means that if you (or any children, even ones who are born here) develop a medical condition, when you go back to the states, an insurance company is legally obligated to accept you and cover that condition. Otherwise, if you develop something (knee injury that will often need work, diabetes) or if your child is born with a health condition, and you go back to the states, you might find that no one will accept you/your children (depending on the seriousness of the health condition) or will exclude that condition as a pre-existing condition.
  3. It's all fine and dandy until you have a serious medical issue and you go to the hospital to get treatment. I have BUPA Thailand provided by my employer. I had severely herniated discs that required surgery. I was hospitalized for a week to get physical therapy 2x/day. My bill was 85,000 after 7 days. BUPA Thailand said "You must pay yourself first because we need to investigate if your condition is pre-existing." I told them I had never had this problem before. Their answer was "It can take up to 90 days for our investigation." I had to cough up 85,000 and get my ass home despite still being in pain because I couldn't afford to stay another day. End result: They found no evidence of pre-existing condition. They didn't even notify me. I had to call to ask what was up with the investigation.
  4. It doesn't matter how much you earned, you are supposed to file every year. However, you can apply directly to the IRS to file back returns, without an accountant. Most people in your circumstances would use the IRS streamlined procedures to catch up.
  5. Seeking Health Insurance. Brokers - please don't bombard me with offers. I am looking for recommendations from satisfied customers. I am an American expat and will be 50 this year. I am married to a Thai woman and we have a 4 year old daughter. I need a health insurance policy for myself with comprehensive coverage. I am also looking for coverage for my daughter and wife. I travel in Asia and the USA for business so I will need international coverage as well. I want inpatient and outpatient coverage. Please tell me who you use if you are very satisfied and who you purchased it from. I know there are lots of choices. Some great. Some terrible. HELP. If you are a broker with a local office you are welcome to send me ONE PM. I respect follow-up but...... Thanks everyone. Here is to your health.
  6. health insurance premiums are usually the same / or lower when using a broker.
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