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Icetoad š© š š¶ š š
@icetoad.eth
Hello /lifechanger community. Long time Farcaster user and $LCT holder here. My story: Less than a decade ago I was diagnosed with a rare genetic disorder called Fabry disease (https://www.wikipedia.org/wiki/Fabry_disease). It runs on my mom's side of the family & prevents my liver from making a certain enzyme which breaks down a glyco lipid. As such I now receive infusions of the missing enzyme every other week. My heart & kidneys are monitored closely for deterioration. I also experience a lot of nerve pain & digestive issues as well as chronic fatigue. About 6 yrs ago I moved back to Canada because healthcare costs in the USA were slowly bankrupting me. Even so I still visit friends and family in the US from time to time & purchase health insurance by the day for these trips. Unfortunately the insurance company has done their best to deny payment for a few emergency room visits I've endured. I am happy to answer any questions so people can learn about this disease. Ty for reading. Much <3 @lct @lifer
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Kristin Piljay ć
@kristinpiljay
This is what I used to find that insurance: https://canadatousa.brokersnexus.com/travel-insurance-for-us-citizens-visiting-usa/ I had never realized I was supposed to have a different insurance if I was a US citizen living abroad when visiting the US, I had always just bought the cheap insurance that any other Canadian resident could use. And if you are a US citizen too, then I wonder if that was the issue with your claims? If you're not a US citizen, then that insurance wouldn't apply of course. I think I got a plan that covered pre-existing conditions ,but of course, what happened had nothing to do with that whatsoever.
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Icetoad š© š š¶ š š
@icetoad.eth
I am both a US and Canadian citizen, but I'm not sure if that's something an insurance can pull up, is it?
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Kristin Piljay ć
@kristinpiljay
I really don't know as I never knew before that the type of insurance I got for that last time was a thing. I had an insurance broker in Canada that found me my travel insurance. It was for the US and world multi-trip for up to 3 weeks. But all those times, I never needed to use it. I'm not sure if an insurance company can find that out or not, but I know they are known to try not to pay if they can get away with it. But the cheap insurance was $80/yr and then that specific insurance for US citizens cost me $200/month. I used it for a few months.
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Icetoad š© š š¶ š š
@icetoad.eth
$200 is a great deal considering what insurance costs these days. The reason my claim was denied was because I had started a new medication within 3 or 6 months or whatever the plan stipulated. Pretty annoying stuff. I'll check out your link and see if there's something better out there now that it has been a few years since my initial research. I'm also going to look into this dual citizen thing to make sure that wouldn't cause a potential issue in the future. 111 $DEGEN
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Kristin Piljay ć
@kristinpiljay
yes, I thought of that as it's much cheaper than health insurance if you LIVED in the US. But it only covered illness and accidents and not basic medical care. But it didn't have the limitations like yours did. And I'm not 100% sure about the dual citizen issue, but when I was researching it and answered online questions it indicated that if I was a US citizen also that I had to use different travel insurance. I ended up staying in the US and after 2-3 months I got on ACA while I was living in Hawaii.
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Icetoad š© š š¶ š š
@icetoad.eth
Hmm interesting
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