Swiss Medical / Docthos works in USA
Last week I returned to Sex Prison to serve a relatively short sentence. Two days after I arrived I came down with a nasty flu (?) and decided to visit a doctor since my throat was pretty ragged. I called my major (Cigna, Aetna level) platinum US health "plan" and found out that the city/state I am currently staying in (city and state both in top 10 largest of USA) are not covered by my "plan". They are not in the proper "network". How shocking. I had a similar "network" problem 3 or 4 years ago but got around it by changing my US address with my then-employer - as a result they had to give me an "indemnity" plan for the bullshit state/address I listed due to employment regulations. It's pathetic that one has to resort to fraud in the USA just to see a doctor. The whole industry here (at least the insurance/administration part) seems about as shady as the towing business.
Knowing that I was about to travel to a shady medical country, I kept my Argentine plan (Swiss Medical/Docthos) just in case. I activated the international coverage, which lasts for 1 year and can be renewed indefinitely, right before leaving wonderful Argentina for the USA medical quagmire. When I became ill, Cigna confirmed once again that the primary service they provide is ensuring that I am never covered by their "plan". So I called Docthos in Buenos Aires and told them I'd like to see a doctor here in USA. They gave me the US 800 number and I was talking with an agent in Miami 2 minutes later. She took my data (including basic symptoms) and called me back 1 hour later with a doctor's appointment set for the next morning at an excellent medical center about 10 miles from where I'm staying way out in the suburbs. I never said US doctors/facilities were bad, I just said that my US "plans" never let me use them.
Docthos prepaid my appointment and I pay nothing. The US doctor gave me two prescriptions which I do have to pay out-of-pocket but Docthos will reimburse 100% of the receipts when I return to Argentina (I could maybe fax/scan them but its not so much money for the medicine). About 8 hours after my appointment, I received a call from the Docthos agent in Miami. They wanted to know how I was feeling and also advised me to call them again if I needed to see any more doctors, which they would arrange immediately and pay 100%. It's unbelievable that I receive excellent, prompt, and FULLY PAID care/attention from my insurance carrier 5,000 miles away in BA but get nothing but bullshit excuses, exceptions, and rejections from my US carriers - "that's not covered, you're not in the proper network, there are no doctors in that state, blah blah blah."
I need to clean out my thick wallet and will throw away either my Cigna health insurance card or my 100 Austral bill. So I need to determine which item is the most worthless. The Austral went out of circulation in 1991 upon being replaced by the Argentine peso. At the time, 1 Argentine Austral was worth about .00003 US Dollars. Here are all the uses I can think of for the Austral 100-bill and the Cigna card:
Austral 100-bill:
1) Keep it for collector's value. I've seen them framed and displayed on walls in BA restaurants.
2) Keep it for emergency toilet paper.
3) Try to scam a tourist in BA by claiming that it's worth 100 pesos. Taxi drivers get away with this occasionally.
Cigna Health Plan Card:
1) Keep it for emergency cocaine lines.
2) Keep it to swipe/open certain locked doors.
It's a close call, but numbers never lie. The Cigna card is the most worthless waste of space in my wallet and I'm trashing it.
So it is now confirmed – Argentine health insurance (SMG/Docthos at least) worked like a charm in USA. Now I will be testing other Argentine documents. It is only a matter of time before I get pulled over on one of the local expressways and I'm going to see if I can get out of speeding tickets with them. I know an American guy that has lived in Germany for years, he may even have his citizenship. When he gets pulled over for speeding here, he'll sometimes give the cops his German documentation and pretend to speak little English. They usually let him go with a warning and slowly explain that there are speed limits in USA, unlike the autobahns "over there". It is especially funny that many cops fall for the act since his birthplace is listed on his German ID, which is often the city that he is pulled over in. In Argentina, I sometimes give the cops my AAA International driver's license which says on the front page that it expired in 2002. They never catch it.
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Hi Moore,
What was the additional premium for the one year rider for the international coverage?
Thanks,
Jackson[/blue]