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Moving to Thailand from the U.S.? Here’s What You Need to Know About Healthcare


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Posted

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Thailand's inviting climate, low cost of living, and culture make the Southeast Asian nation a popular choice for American expats. However, before relocating, one crucial aspect that requires planning is healthcare.

Thailand offers excellent medical facilities, particularly in the private sector, but expats need to understand how to navigate these healthcare options, especially as U.S. Medicare won’t work abroad, hence the need for international health insurance like Cigna Global.

Thailand’s Healthcare System: Public vs. Private

Public Healthcare

Thailand’s public system, under the Universal Coverage Scheme (UCS), ensures access to affordable healthcare. Expats working in Thailand may qualify for coverage through this programme. 

However, while the public system is affordable, it often involves overcrowding, long waiting times, and language barriers. Public hospitals in urban areas are decent, but rural areas may lack advanced medical equipment and specialised staff.

Private Healthcare

Thailand’s private healthcare sector is internationally recognised for its quality and affordability. Private hospitals offer state-of-the-art equipment, internationally trained physicians, and English-speaking staff. This makes them ideal for expats who want reliable care at a lower cost compared to Western countries. 

 

For example, an MRI in Thailand costs around $272, significantly cheaper than the $2,600 charged in the U.S. Private facilities are particularly popular for medical tourism, offering services like cancer care, orthopaedics, and fertility treatments at a fraction of the cost.

Challenges for expats seeking healthcare in Thailand:

  • Language Barriers: Many public healthcare facilities lack English-speaking staff. While private hospitals in major cities often have English-speaking staff, expats may still encounter occasional misunderstandings.

  • Cultural Differences: Expats may find the healthcare delivery in Thailand different from what they are used to.

  • Financial Considerations: While healthcare costs in Thailand are lower than in the U.S., without insurance, treatment at private facilities can still be expensive, especially for complex procedures or chronic care.

 

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Before your move:

  • Evaluate Your Healthcare Needs: Assess your health status and medical needs before selecting insurance. Consider any pre-existing conditions and whether you need specialised care or regular prescriptions.

  • Prepare for Emergencies: Know the location of the nearest quality hospital and have your insurance information on hand in case of an emergency. 

Why Your U.S. Medicare Won’t Work in Thailand

Many American expats or retirees may be surprised to find that U.S. Medicare doesn’t provide coverage outside the U.S. and its territories. Medicare has strict geographical limitations, and even though some foreign hospitals may treat you in emergencies, the coverage is extremely limited.

Medicare generally only covers medical treatment in the U.S. and its territories. While there are rare exceptions, such as emergencies when a foreign hospital is closer than a U.S. hospital, these exceptions don’t typically apply to expats living in Thailand. 

Healthcare Options for U.S. Expats in Thailand

Without Medicare, U.S. expats must secure alternative health insurance to ensure comprehensive coverage.

Some expats employed in Thailand may be eligible for the social security scheme, but this is often not sufficient for most expats, as it doesn’t cover comprehensive medical needs or provide fast access to specialised care.

For most expats, comprehensive international health insurance is the best option. Cigna’s plans provide access to Thailand’s best private hospitals, ensuring high-quality care and quick service. Most international plans cover:

  • Hospital stays: Coverage up to US$1,000,000 annually for major health conditions

  • Doctor visits: Up to US$25,000 per year for check-ups and specialist care

  • Chronic illness care: Full coverage for long-term treatments

  • Emergency evacuation: Global emergency assistance included

  • Preventive care: Screenings, vaccinations, and routine check-ups to detect and manage health issues early

  • Custom add-ons: Optional coverage for dental, vision, or maternity care

Why Cigna?

Cigna Global is a leading option for health insurance providers for American expats in Thailand. Their plans are designed to fit the unique needs of expats, providing comprehensive coverage and flexibility.

  1. Global Coverage with Easy Access: Get care in over 200 countries, including access to 1.5 million doctors, hospitals, and clinics. The plans offer direct billing for easy payments.

  2. Flexible Plans to Suit Your Needs

    • Silver: Up to $1 million annually, covering essential care.

    • Gold: Up to $2 million annually, covering more advanced treatments.

    • Platinum: Unlimited coverage, with premium benefits like home nursing.

  3. Efficient Claims Process: Submit and track claims online, and access 24/7 support with multilingual services. Enjoy the convenience of remote doctor consultations through Global Care On-Demand.

  4. Comprehensive Health Support: Coverage includes hospital stays, surgeries, cancer treatments, mental health services, and more. Preventive care options are available, including check-ups and vaccinations.

 

AD_4nXdq9TOq3rW7NYiftkzBxpLTn3zbfBWr-ZYZ

Since U.S. Medicare isn’t valid abroad, comprehensive international health insurance like Cigna Global is a necessity as it ensures access to top-tier private care without financial strain.

Thailand’s affordable, high-quality healthcare makes it an appealing destination for expats, particularly retirees. With the right planning and insurance, you can enjoy living in Thailand with the peace of mind that your healthcare needs are covered.

 

 

 

Sponsored - Original article by The Thaiger

 

 

 

Posted
23 hours ago, CharlieH said:

Main (19).webp

 

Thailand's inviting climate, low cost of living, and culture make the Southeast Asian nation a popular choice for American expats. However, before relocating, one crucial aspect that requires planning is healthcare.

Thailand offers excellent medical facilities, particularly in the private sector, but expats need to understand how to navigate these healthcare options, especially as U.S. Medicare won’t work abroad, hence the need for international health insurance like Cigna Global.

Thailand’s Healthcare System: Public vs. Private

Public Healthcare

Thailand’s public system, under the Universal Coverage Scheme (UCS), ensures access to affordable healthcare. Expats working in Thailand may qualify for coverage through this programme. 

However, while the public system is affordable, it often involves overcrowding, long waiting times, and language barriers. Public hospitals in urban areas are decent, but rural areas may lack advanced medical equipment and specialised staff.

Private Healthcare

Thailand’s private healthcare sector is internationally recognised for its quality and affordability. Private hospitals offer state-of-the-art equipment, internationally trained physicians, and English-speaking staff. This makes them ideal for expats who want reliable care at a lower cost compared to Western countries. 

 

For example, an MRI in Thailand costs around $272, significantly cheaper than the $2,600 charged in the U.S. Private facilities are particularly popular for medical tourism, offering services like cancer care, orthopaedics, and fertility treatments at a fraction of the cost.

Challenges for expats seeking healthcare in Thailand:

  • Language Barriers: Many public healthcare facilities lack English-speaking staff. While private hospitals in major cities often have English-speaking staff, expats may still encounter occasional misunderstandings.

  • Cultural Differences: Expats may find the healthcare delivery in Thailand different from what they are used to.

  • Financial Considerations: While healthcare costs in Thailand are lower than in the U.S., without insurance, treatment at private facilities can still be expensive, especially for complex procedures or chronic care.

 

1 (38).webp

 

Before your move:

  • Evaluate Your Healthcare Needs: Assess your health status and medical needs before selecting insurance. Consider any pre-existing conditions and whether you need specialised care or regular prescriptions.

  • Prepare for Emergencies: Know the location of the nearest quality hospital and have your insurance information on hand in case of an emergency. 

Why Your U.S. Medicare Won’t Work in Thailand

Many American expats or retirees may be surprised to find that U.S. Medicare doesn’t provide coverage outside the U.S. and its territories. Medicare has strict geographical limitations, and even though some foreign hospitals may treat you in emergencies, the coverage is extremely limited.

Medicare generally only covers medical treatment in the U.S. and its territories. While there are rare exceptions, such as emergencies when a foreign hospital is closer than a U.S. hospital, these exceptions don’t typically apply to expats living in Thailand. 

Healthcare Options for U.S. Expats in Thailand

Without Medicare, U.S. expats must secure alternative health insurance to ensure comprehensive coverage.

Some expats employed in Thailand may be eligible for the social security scheme, but this is often not sufficient for most expats, as it doesn’t cover comprehensive medical needs or provide fast access to specialised care.

For most expats, comprehensive international health insurance is the best option. Cigna’s plans provide access to Thailand’s best private hospitals, ensuring high-quality care and quick service. Most international plans cover:

  • Hospital stays: Coverage up to US$1,000,000 annually for major health conditions

  • Doctor visits: Up to US$25,000 per year for check-ups and specialist care

  • Chronic illness care: Full coverage for long-term treatments

  • Emergency evacuation: Global emergency assistance included

  • Preventive care: Screenings, vaccinations, and routine check-ups to detect and manage health issues early

  • Custom add-ons: Optional coverage for dental, vision, or maternity care

Why Cigna?

Cigna Global is a leading option for health insurance providers for American expats in Thailand. Their plans are designed to fit the unique needs of expats, providing comprehensive coverage and flexibility.

  1. Global Coverage with Easy Access: Get care in over 200 countries, including access to 1.5 million doctors, hospitals, and clinics. The plans offer direct billing for easy payments.

  2. Flexible Plans to Suit Your Needs

    • Silver: Up to $1 million annually, covering essential care.

    • Gold: Up to $2 million annually, covering more advanced treatments.

    • Platinum: Unlimited coverage, with premium benefits like home nursing.

  3. Efficient Claims Process: Submit and track claims online, and access 24/7 support with multilingual services. Enjoy the convenience of remote doctor consultations through Global Care On-Demand.

  4. Comprehensive Health Support: Coverage includes hospital stays, surgeries, cancer treatments, mental health services, and more. Preventive care options are available, including check-ups and vaccinations.

 

https://lh7-rt.googleusercontent.com/docsz/AD_4nXdq9TOq3rW7NYiftkzBxpLTn3zbfBWr-ZYZ5qtf-yuGnIhx_D_b5vkaT17LVWfOJ3CzLpOpJeVrm83ocWhLk8aNyMVMXFiNIxcNCKkoTNz9tZ9S8A8Af_ybCspc9Z4ktUuIgOzV2Q?key=J7iZ9pwOHNpqK4NQ2jWU9vqc

Since U.S. Medicare isn’t valid abroad, comprehensive international health insurance like Cigna Global is a necessity as it ensures access to top-tier private care without financial strain.

Thailand’s affordable, high-quality healthcare makes it an appealing destination for expats, particularly retirees. With the right planning and insurance, you can enjoy living in Thailand with the peace of mind that your healthcare needs are covered.

 

 

 

Sponsored - Original article by The Thaiger

 

For US civil servents contemplating move to Thailand and having a US govt sponsored health insurance such as BC/BS - today I received a note that the US Congress is looking for ways to cut money from the budget so they can award those tax breaks for billionaires - anyway it says speciificately that they are looking at cutting civil service retiree benefits and health insurance!  If they don't, some of the US insurers also cover you well in Thailand.

  • Like 1
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Posted
7 minutes ago, TallGuyJohninBKK said:

 

It's a forum advertisement for Cigna health insurance, couched in an article about Americans potentially moving to Thailand.

 

 

You're brilliant. ✌️

  • Thumbs Down 1
  • Haha 1
Posted
8 hours ago, Presnock said:

For US civil servents contemplating move to Thailand and having a US govt sponsored health insurance such as BC/BS 

Blue Cross and Blue Shield (BCBS) is not government-sponsored, but it does offer plans within the Federal Employees Health Benefits Program (FEHB).

The Federal Employee Program (FEP), a BCBS offering, is a nationwide option within the FEHB for U.S. federal government employees and retirees.

  • Agree 1
Posted
6 hours ago, Srikcir said:

Blue Cross and Blue Shield (BCBS) is not government-sponsored, but it does offer plans within the Federal Employees Health Benefits Program (FEHB).

The Federal Employee Program (FEP), a BCBS offering, is a nationwide option within the FEHB for U.S. federal government employees and retirees.

well since they pay 2/3 of the premiums and only that offer is for employees, it sure seems that they are sponsoring it to me anyway.  But yeah, I understand that BC/BS does offer health insurance for non-govt employees but I am not so sure about all the benefits like I do not know if they cover one worldwide as does that within the FEP.   Since I have had several different insurance companies during my 35 years of civil service, I knew I had to obtain that which I would have in retirement, five years prior to my retirement and I opted for BC/BS and have really happy with their service but lately the premiums have been literally ZOOMING! But pretty soon, my daughter will pass the age of coverage, plus wife is Thai so we will probably change mine to a self only versus family or one plus one since that cost is high too and wife can easily get a local insurance coverage and very affordable in comparison.  This possible change to benefits and costs may be like the old FERS birthing back in the '80's.  I sure don't know but when I got a note that Congress was looking at ways to cut benefits and costs of health care for retirees i woke up!  The American Citizens Abroad to which I belong, told me that they had no idean that Congress was looking at this but now are awake to that and will contact their sources there.  Have a great day in Paradise!

Posted
On 4/24/2025 at 2:49 PM, Presnock said:

For US civil servents contemplating move to Thailand and having a US govt sponsored health insurance such as BC/BS - today I received a note that the US Congress is looking for ways to cut money from the budget so they can award those tax breaks for billionaires - anyway it says speciificately that they are looking at cutting civil service retiree benefits and health insurance!  If they don't, some of the US insurers also cover you well in Thailand.

 

On 4/24/2025 at 2:49 PM, Presnock said:

For US civil servents contemplating move to Thailand and having a US govt sponsored health insurance such as BC/BS - today I received a note that the US Congress is looking for ways to cut money from the budget so they can award those tax breaks for billionaires - anyway it says speciificately that they are looking at cutting civil service retiree benefits and health insurance!  If they don't, some of the US insurers also cover you well in Thailand.

Update on the health insurance from govt associated insurers - it does appear from the news that possibly vouchers will be given by the govt to lower their 72% of the insurance premiums so based on one's yearly claims, it will be more expensive - or probably as expensive as it is now.  If you are in the states, you probably were already aware of this congressional activity while we overseas were not.  Best of luck as the best issue for US insurers is that they cover overseas too - I wonder if that will remain the same or not.

Posted

As BC/BS and civil servant retirees are mentioned, perhaps the following might be of interest to some. I retired with a BC/BS Medicare Advantage policy from a state government institution. Heart attack in 2015 (Chiang Mai). The total bill was 411,000 baht (about $11K usd at the time). BC/BS paid $5000 usd and I paid the remainder. I do continue to pay the Medicare Part B monthly premium (debatable insuranc for if I return to USA with cancer, etc.). Medicare generally does not cover outside the USA but, fully retired US military, also required to pay the Medicare Part B monthly premium are given worldwide coverage. While I support the Medicare coverage for fully retired military, I also support being treated in the same manner ... but I realize there is no chance under the current US administration.

Posted
On 4/24/2025 at 3:02 PM, newbee2022 said:

Why this topic is coming up now?

Are there really hordes of Americans running away from POTUS now already?

No just running away from what they somehow classify as insurance which oddly enough includes a premium payment, deductible and co-pay. 

 

Talking about Scams.  So I pay, then for you to pay I have to pay a certain amount first, and then that is not enough we split the bill 60% you pay 40% I pay.  Does that sound like something you would be interested in?

You are essentially self funded in the US since to afford a lower premium you have a high deductible.  

Posted
On 4/24/2025 at 3:02 PM, newbee2022 said:

Why this topic is coming up now?

Are there really hordes of Americans running away from POTUS now already?

Well, actually the Congress has been told to cut 50 billion dollars from the benefits and health insurance of US govt employees.  From what I have seen, they plan on some of the FERS people to pay more for their pension (change the promises/contradt when hired) and now the govt pays 72% of the health insurance - they seem to be leaning towards a voucher system so people will probably pay more as one gets older, health insurance becomes more needed.  As long as we still have overseas coverage of that health insurance, I guess we will stay but new retirees might not come. IMHO - not for the govt folks but regular retirees might not come due to the danger possibly in condos and earthquakes plus I saw that the govt is still talking about worldwide income taxation....

Posted
47 minutes ago, Presnock said:

Well, actually the Congress has been told to cut 50 billion dollars from the benefits and health insurance of US govt employees.  From what I have seen, they plan on some of the FERS people to pay more for their pension (change the promises/contradt when hired) and now the govt pays 72% of the health insurance - they seem to be leaning towards a voucher system so people will probably pay more as one gets older, health insurance becomes more needed.  As long as we still have overseas coverage of that health insurance, I guess we will stay but new retirees might not come. IMHO - not for the govt folks but regular retirees might not come due to the danger possibly in condos and earthquakes plus I saw that the govt is still talking about worldwide income taxation....

I agree with your comment.

Many younger or middle aged people leaving in Europe their home countries looking for tax free income somewhere.

However, they are not thinking of their pension age. 

If you don't pay in you can't expect much back.

Even nowadays the expenses for social benefits in EU countries are rising, not only because of all those immigrants.

The system that the young ones pay the pension for the old is coming to an end.

Posted
1 hour ago, newbee2022 said:

I agree with your comment.

Many younger or middle aged people leaving in Europe their home countries looking for tax free income somewhere.

However, they are not thinking of their pension age. 

If you don't pay in you can't expect much back.

Even nowadays the expenses for social benefits in EU countries are rising, not only because of all those immigrants.

The system that the young ones pay the pension for the old is coming to an end.

Yessir govt service including the militarry was a guaranteed lifetime, just as the Japanese used to join a company for life - then they retired (no babies being born for years so now the retirees have to return to work.  As manufacturing went in the US, eventually just about all the pensions have disappeared, no guarnatees for life and those that were paying health care for their workers are now pushing back thayt too as the costs continue to soar and workers in US for sure are not that healthy - hooked on those diets that the food industry makes so that they can get richer and it also is helping the pharma industry get richer treating all those sick people.  But I also don't think that illegal immigrants should be getting a bunch of free benefits as so many benefits can no longer be available for the citizens whose tax monies are being used for the immigrants in some cities/states.  It may be un-Christian like to deny all those immigrants some benefits but why don't they fix things in their own countries or if they immigrate to a western country, why don't they assimilate into the local populace without wanting to make the local change to their old lifestyles?  That I don't understand either.  It used to be different - now they pour in and in some areas have more votes than the original folks so the original folks either have to change or leave their homeland.  SICK IMHO but I don't have any clue on how to fix all the problems.  Seems to me in the US, the change began during VN days - but I was working and living overseas so still don't understand how it all happened.

Posted
On 4/25/2025 at 7:07 AM, hotsun said:

And of course the first comments have to make it political

When the govt decides to change the benefits within your work contract  that was supposed to last until you retired, it is political.  Now some of the workers will have to pay more towards their retirement that they did originally under their contract.  In addition, their health insurance will increase most likely too as the govt has determined that paying 72% of the individuals' insurance premiums to spending too much money with the costs of insurance zooming yearly.

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