Some have asked about the insurance company. It was originally called Regency for Expats and is now going by Regency Global. It required getting treated at Public Hospitals. The surgeon I was going to use has operating rights at all Phuket Hospitals and is considered the best choice by everyone we asked.
I don't know what I'm going to do yet. I could fly to Udon Thani (wifes home) and have the surgery for 300k at a private hospital.
I am 75. Have very little use of my left arm. Can't lift it up in the air, only to 45 degrees. The pain is tough but it's getting better or I'm getting used to it.
I'm still bicycling 25 km a day weather permitting.
Thanks for all the India recommendations. I don't know. $5000 sounds better than $10000 but...you know, India.
Unlike my left arm, it's up in the air. I've got the decision under appeal from the insurance company but not confident in the decision. Pass on Regency Global Insurance.