Pacific Cross? I have it because if was one of the few that took you at 75. I wouldn't sign up again because there were too many exclusions based on prior medical treatments and age.
I never said they were the best or number one, just from my experiences with both over many years I think the US is superior, especially considering I’m covered by Medicare. If you’re happy with your situation I’m happy for you. For others I’d recommend getting some insurance if you plan to live full time in Thailand.
No, been here 15 years and healthcare is very good but not superior to the US. Many Thai doctors go to the US for advance training I’m sure you know. I had to get a pacemaker last year while home. The bill was much higher but Medicare only paid almost $100k. My share was $300. Thailand could never beat that in service or cost.
I wasn’t a broker, more a financial consultant. I didn’t manage money just risk. I do have a good financial advisor who works with brokers and I’ve done well by them. I didn’t deal in fear just facts.
My culture is the same as yours. I’m retired almost 20 years and not scared just prudent. Thirty years as a professional financial advisor will teach you a thing or two. Medical expenses can bankrupt anybody given the right conditions.