I think they have 100,000 baht deductible. And a 10 million baht policy may be overkill. Their website will give you an estimate of the costs of various options.
Pacific Cross. I bought when I was 62. I am now 68. I have a 10 million baht policy with a 40,000 baht deductible. In 7 years I’ve never had a hospital charge over 20,000 baht. I’m getting a 20% no claim discount. It costs the same or less than my previous US policy.
In 2023 I moved from Bangkok to Sisaket province. When I received the proof of life letter it said that it was my 2nd notice. I sent the form EMS and never had an interruption of my benefits. I wish they would just send it my email or through my MySocialSecurity account though.
I did not sign up for Part B but I had already been living in Thailand several years and knew I would be staying. I would keep part B until you know you plan to live outside the US permanently.
Social Security has my Thai address but my benefits are deposited in my US bank. I don't know anything about SSI.
If you are inside Thailand for 180 days then you become a tax resident in Thailand. Your Social Security will not be taxable. In the past I just filed my US taxes using Turbotax and didn't do anything with Thailand. This year I've chosen to work with a tax attorney to file my US and Thai tax returns just to see what is going on and how the dual tax treaty applies. What I do in the following years depends on what I see this first time.
I have a pensioner LTR visa so any money I remit to Thailand is not taxable. Most people don't qualify for an LTR but you may want to look into the LTR visa. It might be something to consider if you do qualify.
I have found the Thai postal system to be very good. SS has my Thai address and I've never had a problem receiving the letter or sending the response either when living in Bangkok or now out here in Sisaket province.
I have Thai insurance with a high deductible so it is a little bit of both. If you buy late in life you are likely to encounter exclusion of pre-existing conditions so you have to plan to self insure for those.
The fee for the LTR IS 50,000 baht ($1,440) for 10 years. Your question about the $100,000 I assume refers to the insurance coverage. That money can be in a bank account in any country. I don’t know about brokerage accounts. I needed Thai health insurance for my previous OA visa. I then used it to satisfy the LTR requirement.
I switched from an OA to a 10 year pensioner LTR. A lot of people don’t know where to read about this visa. Here is the link to the Thailand Board of Investment website