i don't want to get too far off track here but i thought i add recent experience of mine. i had some issues with anxiety attacks a couple years ago. long story short, i went to the ER twice in the USA and once in Bangkok. i've got good insurance in the USA, the ER visit cost me $400 each time in USA - insurance covered the rest (i think the total charge was $2,000+/- for each visit). in Bangkok at Bumrungrad, the visit cost 12,000thb, no insurance. roughly the same as USA with insurance. in all three cases, nothing major was done, told me i was fine.