Health Care In The USA vs Health Care Overseas

Health Care In The USA vs Health Care Overseas

Health Care In The USA vs Health Care Overseas

Dear International Living Reader,

Did you know that Medicare typically only covers 60% of the average retiree’s health expenses? And that the average person, who retires at 65 and lives to be 90 years old, will need $68,000 for a man and $89,000 for a woman, to cover things like co-pays, extended hospital stays, and supplemental premiums.

Of course, that’s if you spend your retirement in the U.S.

One of the many benefits of moving overseas is the low-cost healthcare. Everything from doctor’s visits, to surgery, to prescription medications are more accessible and cost a lot less.

IL Editor Dan Prescher knows only too well the limitations of the U.S. healthcare system…and how much easier, and less expensive, it can be to get what you need overseas.

He explains more below…

Health Care In The USA vs Health Care Overseas

By Dan Prescher

I have gout.

Sometimes the level of uric acid in my blood gets too high and I get very localized, very painful arthritis. In my case, it’s usually in the joints of my big toes. They turn an angry red and throb with a slicing, burning pain that makes walking—or even drawing a bed sheet over my foot—impossible.

In Latin America this condition is called acido urico or gota. And the preferred medical treatment for it is the same as in the U.S. It’s a drug called allopurinol, and it keeps the level of uric acid in my blood from getting too high and causing a gout attack.

I take a dose of allopurinol every day. Anywhere in Latin America, I can buy it over the counter at almost any pharmacy, and it costs me about $7 for a month’s supply.

I have a feeling that this price is amazingly cheap compared to U.S. prices for allopurinol, but I can’t tell you for sure, because I can’t get it in the U.S. without first spending close to $1,000.

For some reason, I can’t just walk into a pharmacy in the U.S. and say, “I have gout, and I take allopurinol, 300 milligrams once a day. I’d like two months worth please.”

Allopurinol is not an over-the-counter drug in the U.S. It requires a doctor’s prescription, which requires an appointment with a doctor (ka-ching…that’s the sound of the cash register). The doctor must order blood tests (ka-ching). Another appointment is needed to get the results of those tests (ka-ching). Somewhere in there, I have to figure out whether I want to go through the pain of trying to claim all this on my insurance or skip the life-sucking bureaucracy and pay for it out of pocket (ka-ching). Eventually a prescription will be written, and the allopurinol can be purchased at U.S. prices (ka-ching, ka-ching, ka-ching).

If I were stranded in the U.S. and running out of my inexpensive, over-the-counter, Latin American allopurinol, I’d be up the creek for days if not weeks and, I estimate, out about $1,000 after all the appointments and testing.

Even if I had my inexpensive, over-the-counter, Latin American allopurinol with me and I showed it to the pharmacist…even if I showed it to a doctor…even if I’d run out of allopurinol and was having a bona fide gout attack and begged for more allopurinol…I’d still have to make an appointment and undergo the blood tests.

Health Care In The USA vs Health Care Overseas

Thinking about this the other day, I realized that if I was stranded in the U.S. and didn’t want to suffer the wasted time and incredible expense of the U.S. medical system to get more allopurinol, I’d have two choices…get myself back to Latin America before I actually ran out, or have someone from Latin American “mule” some allopurinol to me on their next visit to the U.S.

This struck me as funny, because most of the time we expats have things mailed to us from the U.S., not the other way around. This is how we get those things from the U.S. that we can’t find where we live.

It struck me as odd that, if I was out of my medication, that is inexpensive and easy to obtain over-the-counter everywhere else in the world, I’d either have to leave what is supposedly the richest, most civilized, most advanced country on the planet to get it…or have someone bring it to me from some less “rich,” less “civilized,” less “advanced” country.

Then I realized that this is neither odd nor funny. It’s what thousands of people have to do every day to be able to afford their necessary medications in the U.S.

For most U.S. citizens in this regrettable situation, they’d typically head over the border to Mexico or Canada…but the fact is that almost every other country on the planet offers more affordable, more accessible medications than the U.S.

And this extends to general medical care as well. I’ve had same-day doctor appointments in Latin America. I’ve had same-day surgeries in Latin America. I’ve had house calls in Latin America.

I’ve had accessible, affordable allopurinol in Latin America.

The U.S. is a lot of things, but the home of the best healthcare on the planet isn’t one of them. It grieves me to say this, because I’m a proud U.S. citizen, and I love my country.

Health Care In The USA vs Health Care Overseas you will always find some better and some worse than the USA

I do not, however, love my country’s healthcare system, which by almost any measure doesn’t even rank in the top 10 worldwide.

But I try not to think about that too much, because it’s stresses me out, and one of the things that can aggravate gout is stress.

And there is no reason for me to be aggravated, because I don’t have to deal with the U.S. health system much anymore.

Like thousands of other expats, I have a much more affordable, accessible healthcare system where I now live.

Health Care In The USA vs Health Care Overseas

Editor’s note: Investigating your healthcare options is an important part of moving overseas. You want a country that fulfills whatever medical needs you require…whether that’s access to prescription medications or specialist hospitals.

Category : Blog &Health



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