You should get an O visa in the US. Be careful not to get the OA visa unless you have researched the features of the OA. If you qualify for an LTR then that would be my recommendation.
I have never made a claim. I have a 40,000฿ deductible. I’ve never had a medical bill over 20,000฿. I am getting a 20% no-claims discount. Their customer service has been excellent.
My observations on this subject is that every company has customers with good experiences and others with bad experiences.
Those of us with a pensioner LTR visa pay no taxes in Thailand on money brought into Thailand. After that US citizens are supposed to pay federal taxes in the US. We don’t pay state taxes in the US if we are no longer a tax resident on any state.
When I had a Kasikorn account, all my wire transfers from the US were coded as domestic transfers because the money arrived to Kasikorn through an intermediary Thai bank.
I would typically get to CW at 8:30am. The early birds would enter and then I would get my queue number. I never waited more than an hour to see an officer and I would get my passport and extension an hour later. I was always out before lunch. I just planned to spend the morning there.
I once had a prior appointment and that was great but not necessary.