HOME  |  MESSAGE BOARD  |  LINKS  |  CONTACT


           Post New Message
Message  
Author  
Date  
New in USA   ctdesi   02/24/2019 07:54 PM  

I am suffering from a Gastro disease and visiting doctor. The cost is summing up ridiculously high. I talked to my Insurance and they say deductible will meet after spending $5k. For a very small test they charged me $1K. How to get the treatment in cost effective way? OR am I supposed to loose all my savings here?
Am I missing anything?

Reply

Re: New in USA   Take Care   02/24/2019 08:31 PM  

Hey Buddy,

In USA, minor disease diagnosis and treatment won't cost you much. But if they are not able to diagnose then you should look at other alternatives. I was sick for two months coz of a viral infection last year. I had spent a lot of $$$ on the treatment even after insurance. Bottom line is, if you do not have a good insurance plan then you either visit India for treatment or find a doctor you know personally in USA. Either will be cost effective.

Get well soon!

Reply

Re: New in USA   ct desi   02/24/2019 09:12 PM  

You are missign something, no one will charge 5k straight, Until 2k they can charge straight and rest 3k like percentage wise

Reply

Re: New in USA   NRI Citizen   02/24/2019 09:18 PM  

your life time saving is 1k ? you conjuse desi,
you get many times but crying for1000k for your own health stupid get out of my country

Reply

Re: Re: New in USA   Mohammed   02/24/2019 09:20 PM  

My sincere advise is to visit India and take care of it. You will have family support and very cost effective (with less unknowns). You can ask your employer for Work From Home option if the treatment extends beyond manageable days.

Reply

Re: Re: New in USA   ctdesi   02/24/2019 09:20 PM  

(at) Take Care, thank you for your suggestions.
(at) ctdesi, yes after reaching deductible it will be 80:20. But the problem is for small test like Colonoscopy, they charged $1k(in India it can be done within Rs 1K), and they are willing do a small surgery too, so I am assuming I am gonna meet my deductible very soon and it will consume all of my savings. Worried.

Reply

Re: Re: Re: New in USA   ctdesi   02/24/2019 09:25 PM  

(at) NRI Citizen, My deductible is $5K and that is what my savings here. Don't judge, I am not citizen like you. Please stay away if you dont have any good advice to give.

Reply

Re: Re: Re: New in USA   ct desi   02/24/2019 09:35 PM  

Man dont go crazy,
Here 80:20 will never allowed to met easily
or else after this you get free. so you often visit hospitals unnecessaarily,
so probably you end up with 2k max.
and second thing going India also cost you 1k+
and loss of pay + again if you got fever also you are going to meet the first 2k for sure.
So escaping first 2k is not possible, if you go india followup is not there things become complicated.
if you need someone moral support drop your number will come and see you in hospital daily !! dont worry

Reply

Re: Re: Re: Re: New in USA   ctdesi   02/24/2019 09:54 PM  

(at) ct desi and Mohammed, Thank you so much for your valuable suggestions.


Reply

Re: New in USA   E   02/25/2019 08:29 AM  

I have full sympathy with what you are going through and all but do not compare medical cost here with India. The difference is same as IT developer who works for 50-60K rupees pm gets paid 6-7k dollars pm for the same work.

You can always ask for cost of procedure before hand which will possibly be reduced after claim goes through insurance which asks you to pay negotiated rate until your deductibles are met, just make sure your every claim goes through your insurance even though your insurance plan has not started paying it. You also have option of converting your payments into installments if you talk to your provider.

At the end, do your calculations and see what's worth? About the insurance deductibles, you gambled initially when you chose the low cost plan so it is part of it.

Reply

Re: Re: Re: Re: Re: New in USA   Swetha   02/25/2019 09:37 AM  

CT Desi,
I can understand your pain, when my husband is alone in usa no one to take care, he felt same as you alone and afraid to get some surgery .
Dont feel afraid and go ahead, my husband is out of town but I can visit you when you needed while you are in hospital. good luck and drop your number will be in touch.

Reply

Re: Re: Re: Re: Re: Re: New in USA   NRI Citizen   02/25/2019 09:57 AM  

you shameless swetha
when your husband is out of town why the heck you need to visit this immigrants who want to be like slum dog millionaires.


Reply

Re: Re: New in USA   NRI Citizen   02/25/2019 10:33 AM  

DEAR E these people behave like beggers.
they compare Indian food cost 50 rupees, here 500 rupees,
every time carrys dabba to save the 10$ , that much cheap.
but dont find that they are earning in dollar.

Thats why our beloved trumph wants only our citizens to survive here

Reply

Re: Re: Re: New in USA   desi1   02/25/2019 11:16 AM  

You Idiot NRI citizen - carrying dabba to save $10 is a smart move. Over the life of a worker that amounts to thousands of dollars that can be put to better use.

Full disclosure, I am a US citizen myself - have been since past 9 years. Still carry dabba so I can save the money for retirement and kids education. I do eat out occasionally, but not every day. That is what stupid people do and then run into debt or declare bankruptcy.

Reply

Re: Re: Re: Re: New in USA   Ct Desi   02/25/2019 11:20 AM  

well said (at) DESI 1, these Gujjus or someone who come first here and become citizen "By mistake" treat america belongs to them and vote for trumph and like to send us all outside lol!! First wish their brain becomes bigger and compete with our cream NRI Batch

Reply

Re: Re: Re: Re: Re: New in USA   ctdesi   02/25/2019 12:02 PM  

(at) NRI Citizen, people like you have failed India and are now failing America. You dont deserve to be here with such judgmental mindset.
(at) Swetha, Thanks for providing moral support



Reply

Re: Re: Re: Re: New in USA   NRI Citizen    02/25/2019 12:04 PM  

Lol Desi1,

If you cook your food cost atleast 2,3$, if you eat office caft 6-8$. Lets take 8$ - 3$ = 5$ you are shaving
means 200 working days = 1000$ you are saving for retirement with no fun in life and carrying dabba.
You are not true america citizen then, a H1B behaving like american, otherwise 9 years how will you get citizenship.
Trumph after cleaning this H1B stupids out then need to look at the existing citizens and revoke their too lol!!

Reply

Re: Re: Re: Re: Re: Re: New in USA   Swetha   02/25/2019 12:05 PM  

NP Ctdesi,
as said you can drop your number or email, so if you are in hospital and need some indian food I can help any time. Thanks, hope get well soon.

Reply

Re: Re: Re: Re: Re: New in USA   desi1   02/25/2019 12:31 PM  

NRI Citizen you are a moron. Having fun in life is defined by eating in cafe? wow - what a total and utter idiot we have here guys!! And your math and estimating skills are horrendous as well.

I have no appetite for a silly argument with a superficial and immature person like you. So this will me my last reply to you. Hope you get some mental stability soon.



Reply

Re: Re: New in USA   NRI   02/25/2019 12:52 PM  

IF YOU WANT TO GIVE ADVISE WHICH IS APPRECIATED NRI CITIZEN!!OTHERWISE SHUT YOUR FUCKING ASSHOLE!!FIRST YOU TOO CAME FROM INDIA AND BECOME CITIZEN HERE AND SAYING GO OUT OF MY COUNTRY IS THIS YOUR OR YOUR GRAND FATHER COUNTRY!! DON'T FUCKING DO DRAMA HERE!! THERE ARE MANY PEOPLE WHO ARE WORKING FOR LESS PAY BECOZ OF CONSULTANTS!! JUST TRY TO UNDERSTAND HIS PROBLEM!! EVERY ONE SITUATION IS DIFFERENT..

Reply

Re: Re: Re: New in USA   NRI Citizen   02/25/2019 01:53 PM  

DEAR NRI,

I though you are slumdog millionaries, but didnt relaized how gareeb you are,

take a cheap house with no furtniture in house, dont even decorate the house for ferstivals, wifes primary job just preparing dabbas and making kids with only aim is to get kids citizenship.

90% Fake profiles and being slave buying second hand cars
showoff as if rich guys.

and that kids speak horrible english too. Dont know which school the kid studied in india before !

(at) desi1, you can explain maths, I want to know from past 9 years you are saving 9000$ by avoiding outside food and only in dabba.

Reply

Re: Re: Re: Re: New in USA   CT DESI   02/25/2019 02:18 PM  

NRI Dont be so much proud, once we all H1BS leave then you will become slave here. Mark it.

Reply

Re: Re: Re: New in USA   NRI Citizen   02/25/2019 02:34 PM  

DEAR NRI,

I though you are slumdog millionaries, but didnt relaized how gareeb you are,

take a cheap house with no furtniture in house, dont even decorate the house for ferstivals, wifes primary job just preparing dabbas and making kids with only aim is to get kids citizenship.

90% Fake profiles and being slave buying second hand cars
showoff as if rich guys.

and that kids speak horrible english too. Dont know which school the kid studied in india before !

(at) desi1, you can explain maths, I want to know from past 9 years you are saving 9000$ by avoiding outside food and only in dabba.

Reply

Re: Re: Re: Re: Re: New in USA   NRI Ctizen   02/25/2019 02:37 PM  

Desi kids listen,
did you ever bought Louis Vuitton to your wife or GF or your teen kids?
Do you ever went the malls apart from window shopping?
Oh gosh how could you even know that where you guys go to Dollar store is your life savier,
Dollar store is your WALMART.

Any desi have enough courage to grow pet in this country? lol no because you are greedy slums.

Reply

Re: Re: Re: Re: Re: Re: New in USA   imaa   02/25/2019 03:06 PM  

NRI Citizen I am amazed a) at the fact that your handle says NRI and Citizen and even then you act as if you are a native born american b) your English can suck so much. Go get some English speaking and writing lessons first. Yes, you did get the citizenship, but they should have failed you in the citizenship test because that's how poor your English is.

Now go back and crawl into the dirty hole that you came out of and go fuck your behind.

Reply

Re: Re: Re: Re: Re: Re: Re: New in USA   ok   02/25/2019 04:13 PM  

5k is nothing, we spend a lot more in this country for nothing,you willfind your way out

Reply

Re: New in USA   SUicide Silence    02/25/2019 05:09 PM  

The funny this here is "



Everybody in this world are going to DIE


DEATH is something nobody can deny

fighting over food and citizenship

Death death death

Reply

Re: Re: Re: Re: Re: Re: New in USA   CT desi   02/25/2019 07:49 PM  

I never know being indian the Nri citizen hating other indians 🙄🙄 no doubt immigration is not friendly welcome any more 🙄😥

Nri citizen we came here from very middle class where my entire family runs on 4000 rupees budget till I gor job ...so spending 750 rupees on one meal is costly please dont hate us ..infact we are not blssed and spending tough life with immigration

Reply

Re: Re: Re: Re: Re: Re: Re: New in USA   Bazoomba   02/27/2019 09:17 AM  

(at) imaa ha ha ha ..that was brutal ! you ripped him off

Reply

Re: Re: Re: Re: New in USA   desi10   02/27/2019 11:30 AM  

Dear NRI and CITIZEN
So you see only 9000 dollars in carrying dabba and i see my delicious food cooked by me or my wife (who loves me and take care of me). If you link the dabba with money.. go hell out of here. Always Spending money for outside food and shopping in luxurious malls (branded) shows that you dont give value to the money. Dont worry day will come to you to know the value of money.

Reply

Re: Re: Re: Re: Re: New in USA   desi10   02/27/2019 11:33 AM  

People born here and citizen here also wait for thanksgiving day sale to buy few things.. which we see... so all the humans are same in front of money except like you

Reply

Re: Re: Re: Re: Re: New in USA   NRI Citizen   02/27/2019 11:33 AM  

Lol desi10
You guys makes women slave on name of h4 and make them chef and nanny for your kids. So no doubt why indian women are lagging behind. And u use them as slavary and making dabbas everyday you conjuses

Reply

Re: Re: Re: Re: Re: Re: New in USA   desi10   02/27/2019 02:19 PM  

You poor NRI CITIZEN

This shows your level of thinking so all wifes of dabba carrying husbands are slaves and nannys and are not working like you and became a NRI/CITIZEN.

Ignorance of substance over the form... great NRI CITIZEN..i think its time to go back to India and develop your mindset.. and come back..

Reply

Re: Re: Re: Re: Re: Re: New in USA   Bazoomba   02/27/2019 03:29 PM  

(at) NRI Citizen To be honest, please shut the fuck up now. In other words, bass kar madarchod ab, baaki gobar Pakistan mein jaake karna ! bloody Porki !

Reply

Re: Re: Re: Re: Re: Re: Re: New in USA   NRI Citizen   02/27/2019 03:56 PM  

Hy Bamooza,

Cheap Indian sticks,Jake us garib desh me jake maro.
House me maid ka service bhi nahi lethe poora bathroom
hath se dotha chiiii...

Gadi bi saf nahi rakthey yakkk Vese 10000 gadi itna kya saf hotha


Reply

Re: Re: Re: Re: Re: Re: Re: Re: New in USA   Bazoomba   02/27/2019 04:09 PM  

(at) NRI Citizen Its not your mistake if you are born with a small dick, but, hey cheapo, don't spread bullshit on forum, rather, take a deep breath and let it go.
I can tell that you are one real broke loser, frustrated, and looking for forums to spread the shit.
But its okay, teri gand maarne ke liye log tayaar hai.LOL !
Chutiye, likhana toh sikh pehele, bloody dickhead !


Reply

Re: Re: Re: Re: Re: Re: Re: Re: Re: New in USA   NRI Citizen is a Loser Hydrabadi   02/27/2019 05:17 PM  

NRI Citizen is a Loser Hydrabadi it seems .... Get some life

Reply

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: New in USA   Bazoomba   02/27/2019 09:40 PM  

True , madarchod (at) NRI Citizen..teri shakal dekhake tuze Bhutan ka bhi citizen nahi banayega koi ..Biryani ke saath gobar khaya tha kya bhosadike.
Look out for a good pond and die in it, Madarchod ! LOL ..
Gaali khaake mar ja bhosadike..!

Reply



www.ctdesi.com Copyright 2005-2023 All Rights reserved. This site has details and links to advertisements, events, links, messages posted by users. The users need to verify the correctness of such information and ctdesi.com do not guarantee the correctness of the content. The risk of using this content remains with the user.
Please read our Privacy Policy Send any comments to: Contact