rumak

Thank you !! Sometimes anecdotal ( from a REAL person ...... not a paid ad or promotion) is worth a lot ! Yes...as we are so often reminded ( and should be understood by everyone) each persons condition is different , especially when discussing bones/ligaments/ etc etc . So of course finding the solution for each individual person is not an easy task. Even for doctors . OK .... So..... for you it was a blessing . From what i take from what i have read about the HA injections.... in my mind they are exactly what COULD work best for many : How Do These Knee Osteoarthritis Injections Work? Normal joint fluid contains a substance called hyaluronan. It acts like a shock absorber and lubricant in your joint and is needed to help the joint work properly. Hyaluronan is highly viscous, allowing the cartilage surfaces of the bones to glide upon each other smoothly. This leads to decreased symptoms of osteoarthritis. thanks again for posting.

you might get a bit tired reading this summary of arthritis symptoms, treatments , etc but it is a good summary . probably you will need some help figuring out what is your problem , and then what is best for you ( could always try the get stoned before sleep method first . ) https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7931012/

AND ......... while we are on the subject .........would like to hear from anyone who has had a Hyaluronic Acid Injection ( given in a weekly series 2 to 5 shots depending on the brands/protocol). read about it ......... it is offered in Thailand ......... and different than the cortisone stuff. i am thinking seriously of going this route.....

there are, at last count, 26, 242 youtube videos on how to fix your knees . I am on number 462 . /s ( this means sarcasm.... as i found out recently ) from my extensive research I have found out that age is a very important factor in bodily ailments ( who woulda thought). And knees ? 73 is the magic year.... when pain suddenly pop out of the bottle . 73 ! now, i too am going through all the possibilities and sure thing fixes to find what will work for me . Stay tuned . 🙂

remember my creed (a guiding principle ) : give em an inch..... and they think they're a ruler 🙂 Over many years, and a few "relationships" .... I discovered that the more i asked "what do you want?" or "what do you think ?" ... and got the usual answer "Up to you" .... only to finally realize , stop asking ! Only problems ensued . Recently we just got rid of a bunch of stuff that was just collecting dust . ( i had forgotten my creed for a while)

Is there a "follow up " to this situation ? What has happened ?

so far you, Sheryl, and I (all long term experienced sources ) have expressed this opinion . I understand that the OP is not sure the best way to proceed . for what its worth... the one time i got the tourist police involved, the guy who came when i asked for mediation was definitely NOT on my side

Op said : I've also decided to call the tourist police. that could really complicate things .............. and, NOT in your favor

not a good idea (IMHO)

That's true, but it can be very helpful in situations like this. a thai friend that has the smarts and ability to converse ( mediate for you ) ...... not just a gf. in fact....... definitely not a gf unless she is really "different"

maybe you can give him the phone number of that police friend of yours 😅 but...... true that a "respectable" back up is a big help ( how many members here have that ?? )

to the OP : this answer is the one I think is best . now.... your PRESENTATION: a. if you can not speak Thai ..... bring a bi= lingual helper if you can ( not a lawyer ) b. keep your version VERY SIMPLE ..... do not go off on another tangent.... stick to the fact that the one who fell was in the wrong for passing on left as you were DISMOUNTING ,(can even add that you were "startled" (dtok jai ) in thai} c . Stay very calm (outwordly) , polite, soft spoken...... but resolute that you were not in the wrong d. If you feel that the chips and the "interviewers" are definitely against you.... ask politely what they suggest you do. ( sounds crazy, but at least it will give you some idea) . If they want a certain amount you can then determine if you want to pay ( again, should have a thai person with you to be sure there is an "agreement" signed by both parties e. If you really feel you are being scammed big time......... then ??? i would have to be there to suggest how to proceed. This is one situation where the ability to speak thai i think really helps .

owl sees all has a longgggg running down to earth account of his life in rural thailand here on AN ....... Diary of a farang in Isaan

the wife as well ??😁 I've lived both rural, semi= rural ( close to a major city CM), and 70 km away from CM ( turned 7 rai into a nice place ) . but by that time i didn't feel much like being a country gentleman or farmer . Each stage of life , if one is adventurous, offers experiences, good and bad . This latest stage ( advancing years !) has me finally accepting that semi-rural is now the best option..and one i liked best in other places. (that's just me) . If i had 6 great children that could take care of 30 rai .....planting and having real food .... and a nice swimming pool ... then i could live out in the middle of a coconut grove.

can i change that to "most SMART and critical thinking people who do not have complete acceptance of what the establishment tries to force people to believe".... have worked it out by now . Unfortunately.... the masses still outnumber the critical thinkers . Though no chance of changing the few unchangeable "minds" on this forum , it does seem a number of members certainly are waking up ... as more REAL facts are getting through the cracks of the establishment wall.

be sure to get more than one opinion . something that could be serious should...IMO, ..... be researched with two or three doctors "opinions" . ! WRONG diagnosis is a very common occurance in medicine : https://qualitysafety.bmj.com/content/26/6/484 ( i could post another hundred links regarding "misdiagnosis".... but you can google it )

i am absolutely sure that insurance "companies" have more tricks and deceipt at their disposal than any average person can imagine. what they can do and have done to make life miserable for those who have in good faith handed over money... year after year.... is very well documented . If you had posted your past experience( or links) with April here on this thread.... for all to see.. it would give a very clear idea of just how bad the claim procedure can be . Sheryl's comment (regarding thai insurers):"The basis for deciding, after the fact, that a confition was pre-existing is sometimes ludicrous/makes no medical sense". is right on, and I for one am sure that the same treatment is almost universal . Just one link , of many on this subject, i posted in another comment on this thread.

any exclusions for "pre-existing conditions" ? i would think that most 70 yr olds would have some... if not many

I am pretty sure that this link is an "approved source" . I believe that you and many others have had good experiences . But "never a problem " seems to be very far from the standard in the US . https://www.pbs.org/newshour/health/analysis-health-insurance-claim-denials-are-on-the-rise-to-the-detriment-of-patients As i am someone in the "self insure" group .... my experience is that I have never had a problem . Never even had to fight anyone to pay the bill . Since stress is known to be a major factor in causing health problems.... i attribute not having to deal with insurance battles as being very positive . The irony is : if one has health issues that might turn serious , then it would seem prudent to buy health insurance. The catch 22 is that you won't be covered for those issues ! "A recent KFF study of ACA plans found that even when patients received care from in-network physicians — doctors and hospitals approved by these same insurers — the companies in 2021 nonetheless denied, on average, 17% of claims. One insurer denied 49% of claims in 2021; another’s turndowns hit an astonishing 80% in 2020. Despite the potentially dire impact that denials have on patients’ health or finances, data shows that people appeal only once in every 500 cases." ouch

Hi Simon ........ didn't you have a VERY STRESSFUL experience with your insurance company ? About a year or so ago ? I remember an ongoing disaster that you described in detail here on this forum at that time . I do believe you did not "win" ... were denied coverage.... and had to go back to your country . ( my facts may not be accurate, but maybe you can share here) Certainly i think that your example would be very important to this discussion about whether anyone who "does not pay an insurance company" is crazy

even worse can be the shock and horror of NOT setting aside whatever you can each year , so that you will be prepared for the draining of all your expectations when the insurance company denies your coverage after putting you through all kinds of stress. over and over again ? for large amounts ? Insurance companies ? I don't think so...

if you haven't found the Decathlon store yet ..... it is on the Chiangmai----Lamphun access road ...... across from the BIG Court House ( san dek intersection) coming from lamphun make a U turn at that intersection, and go about 100 + meters and it is on your left . Big store, set back from road a little bit (drive slow)

James 4:18 ...... No good deed goes unpunished

Choice : pay, pay, pay ...year after year . hoping to avoid the stress, pain and suffering from a "major issue" . Then: pay, raised premiums , pay , raised premiums Then: the moment finally comes. you are injured or disabled or very ill . You make your claim , and are in a very ill state . https://www.pbs.org/newshour/health/analysis-health-insurance-claim-denials-are-on-the-rise-to-the-detriment-of-patients Not for me , thanks.

As i said ...................... also a very long and stressful ( very common) personal anecdote from one of the longtime members on AN ........ ending in him finally making the departure to go back home for care ( a year or so ago). maybe he will weigh in again on his experience ( but it is also not advisable to name names ( companies, etc) due to the laws here 🙂