Yes its still a pain. The under consideration period, is needed for the home visit and outside of Bangkok your application is sent to Bangkok for approval. Do you have a Thai bank account?
The original problem was my lump sum arrived only a few weeks before my ext giving no time for seasoning, however in the end when immigration realised i want to switch my ext to support of a Thai child, they told me it just needed to be there on the day i put my ext in.
There is a TriCare overseas version that is accepted in some Thai hospitals, probably best to contact them. They should have a list of which hospitals in Thailand they deal with.
Also in the Thai hospital is best to contact the billing people them normally can help as well. The regular staff wont the knowledge. Most of these departments have Line addresses.
some people come to Thailand and are in-between working and retirement, and therefore like the flexibility of working or not. The over 50 or retirement visa is one of the easiest to obtain without the restraints of marriage or the like, but no flexibility in working.