Moderate Accident.. Doubt Regarding Insurance Coverage & Costs

[pachimirchi]

medical loan teskolemo to pay off 340k

[vaade_veedu]

Accident valla jarige nashtam kante accident tarvatha kalige nashtam e worst ga undi kada

[puli_keka]

:3D_Smiles:  :3D_Smiles:   WTF  .. moderate endhi bhayyoo

 

had surgery this year for forearm fracture.  deductible 750 unde naaku,  but emergency ki car lo vellam. 2k daka ayyindhi plus few months physiotherapy sessions 25$ each visit

[ravula]

it's me.. only BUDDY bro.. taking rest at home since 1 week and very tough days..

 

soorry for you ba

take lots of rest

everything will be alright

[dappusubhani]

Nuvvu employer insurance ayithe. Employer ki insurance company ki madya oka broker company untadi like agents. Vallu mee employer ki every year insurance company n plans istaru. So please check with ur employer.
Nuvve individual ga bayata theesukunte check with insurance company. Ee lavada la usa lo ee policies ento emo bhayya. I hope u feel better soon. Please dont neglect. Ask how long u need bed rest n all after surgery. Ippudu can u able to walk? Mental lesthe chiraku unte india vellu. But o sari employer tho matladu if he is good

 

maa employer chala helping bhayya.. na surgery cost anta pettukuntanu annadu nannu chudagaane..worry avvaku ani dhiryam cheppadu..

 

but manam adagalem.. teeskolem kuda kada..

 

pichhi lestundi bro.. elagola India ki velli intlo amma, nanna daggara undali anipistundi.. ninna monnati daaka intlo emi cheppaledu.. badha padatarani.. but eeroju skype ki 10-15 times chesaru .. nenu phone cheyaltedu ani.. appudu inka cheppaanu.. edchesaru.. rammani godava chesaru.. nenu emotional aipoyanu.. so 24 hrs jrny ni mange cheste naku aina daantlo half treatment aipoinatte..

 

so i'm in dilemma..

[abhigadu]

thanks buddy.. happy to hear that you can help me..

nenu upstate NY , Albany lo untanu..ma parents raaleru ikkadiki..

na main concern.. nannu chuskotaniki evaru leru ikkada.. daily activities are really tough and food kuda cheskolenu ippudu..

insurance bills vachhetappatiki 4-5 months padutundi annav kada.. at least I can pay them slowly..

oka 24 hrs flight journey ni jagrathhaga mangage chesi 1-2 months lo malli US ki vaddaamani thinking.. naku VISA issues kuda emi levu..

Nuvu emi anukonu antae oka maata will u be able to sleep and travel? Business class buk chesuko .. Make it on credit card bro adhi ledhu antae nenu oka 25% discount meedha ippinchadaniki try chestha

[MeetFriendz]

sorry bro ... where do you stay currently ... 

i see few flight are for 19 hrs too .....if you are at some major airport cities then search for them 

let me know if you need help on it ...

recover soon ....

[dappusubhani]

Nuvu emi anukonu antae oka maata will u be able to sleep and travel? Business class buk chesuko .. Make it on credit card bro adhi ledhu antae nenu oka 25% discount meedha ippinchadaniki try chestha

 

ohh sure bro.. nenu eroje chusanu one way business class ticket $2799 undi.. ide minimum nenu search chesina time lo..

 

but nenu India ani decide aite maatram definite ga chepta.. pm lo contact details ivvu bro..

 

Thanks a lot..

[dappusubhani]

sorry bro ... where do you stay currently ... 

i see few flight are for 19 hrs too .....if you are at some major airport cities then search for them 

let me know if you need help on it ...

recover soon ....

 

thanks buddy.. na nearest airport ante JFK ne..direct flight kosam searching..

[always_happy116]

ohh sorry for you man.. hope you recover soon... my frnd had ACL and MCL and he ignored it and it effected him a lot finally he had to do the surgery

[graham]

na suggestion aithe koncham kastamaina sare india vellipo..parents bangaramla chusukuntaru.....u can come back in 2 or 3 mons...ikkada evvaru emi help cheyyaru pedda anni rojulu...business class lo vellu...i wish you a speedy recovery

[Guest]

emo bhayya.. enta cover chestundo teliyadu kani, my insurance agency is good ani ma colleagues cheptunnaru..

 

inko pakka anni cover cheyavu ani kuda anukuntunnaru..  bye1

whats your deductible man

[MeetFriendz]

thanks buddy.. na nearest airport ante JFK ne..direct flight kosam searching..

 

 

when would you like to leave ? 

 

nenu just jan first ki choosanu .. looks like mostly 1 stop ... 18 hrs journey ....... if you are ok to sit and can make up-to wheel chair .. there will be flight / airport folks to help you ... 

 

let me know the date you would be interested to leave if i see any direct flights will let you know ..

 

https://www.hop2.com/flight/traveler?ConditionID=4a5be44382672145becabc437979b1d939b1186b&trip=1&cid=G2M1S5&skyscanner_redirectid=RJy2soi6EeS18wBQVocU4Q

 

https://www.tripsta.com/airline-tickets/passengers?bookingID=1&utm_source=skyscanner_us&utm_medium=metasearch&utm_campaign=flights&utm_term=JFK_HYD

[dappusubhani]

when would you like to leave ? 

 

nenu just jan first ki choosanu .. looks like mostly 1 stop ... 18 hrs journey ....... if you are ok to sit and can make up-to wheel chair .. there will be flight / airport folks to help you ... 

 

let me know the date you would be interested to leave if i see any direct flights will let you know ..

 

https://www.hop2.com/flight/traveler?ConditionID=4a5be44382672145becabc437979b1d939b1186b&trip=1&cid=G2M1S5&skyscanner_redirectid=RJy2soi6EeS18wBQVocU4Q

 

https://www.tripsta.com/airline-tickets/passengers?bookingID=1&utm_source=skyscanner_us&utm_medium=metasearch&utm_campaign=flights&utm_term=JFK_HYD

 

thanks a lot bro..

 

may be inko 2 days lo veldamani plan..anni chuskovali.. leave plan cheskovali.. ma TL ni adagali...

[afrnds]

surgery antey, you must stay in Hosipital for at least couple of days, that would cost a lot (Hospital statys are unbelievably expenssive here)

 

Cigna and based on what you pay, it seems like you may need to pay around 20% coinsurance (out of pocket), and remaining 80% insurance....but better check once

 

 

1. Call your insurance ASAP and check whats your coinsurance %, Deductible, Ambulance exp covereage (if any)

 

2. Check with doctor as to how many days you would need to be in Hospital, a general estimate...

 

If Hospital stay is more than 3 days and if your coinsurance is 20% or more, and if you are physically able to travel, then its worth going to India.