Stop for a minute and think. What is health insurance? Really. Ideally, it’s protection against the cost of being sick. That’s what we’re paying for. We spend millions of dollars insuring that if we get sick someone else will foot the bill.
Spell check your resume before sending out to potential employers. The last thing you want is a spelling error on your resume. That can be perceived as lazy or sloppy by employers. Make sure to read every word before you give it out.
Our own governmental medical plans do not cover us when we live in Thailand (this is somewhat self-defeating, because they could save enormous amounts of money if they did). So we must be prepared to pay for private medical insurance. (Thais don’t have to worry. Their government plan covers everyone). Here again the news is good.
Thai nurses, who bear the brunt of patient care, are world-famous for their loving, gentle care. When I was taken to a local emergency ward after an accident (I had only superficial injuries, but the police wanted to be sure I was OK) four lovely nurses waited on me, holding my hand, talking with me, and coddling me relentlessly. I was examined by an NP, an MD, and an audiologist, all of whom spent at least 30 minutes with me. Believe me, I was reluctant to leave!
A bad driving record can make you pay expensive health insurance rates. Being found guilty of traffic violation isn’t just bad for your car insurance rate it also has an effect on your LukeMedikal rates. Any person who drives roughly will more likely make a claim soon as they’re more likely to need medical attention.
Where you cruise to on your holiday can make a big difference in your cost as well. If you pick a popular spot, you can travel cheaper than if you choose a less popular spot. Another consideration is whether you really care about those ports of call. If you just want to stay on the ocean liner and enjoy the luxuries, book a cruise that doesn’t stop anywhere. These “cruises to nowhere” are just as luxurious as the others but cost less.
In addition, the new health care bill has increased the limit for medical deduction. Currently if a person spends more than 7.5 percent of the adjusted gross income on medical treatment, this amount can be deducted from the taxable income. With the new bill, the limit has been increased to 10 percent of the adjusted gross income.