Hey Scott, as you know I just had surgery and paid for it myself. I was a revision - lapland removal was paid by the insurance but I paid 25,750 out of pocket. this included an insurance policy that covers surgical complication for the first year.
I then added on an insurance policy that covers me against complications of stricture for 2 years, I turned down the insurance policy related to DVT development.
all This covered the surgeon, 1 year of dietician, 1 year of exercise physiologist, all pre-op nutrition classes.
As you also know, I had a second surgery for herniated bowel and a 23hr observation and thorocentesis which has all been covered. I have had various labs too - CT scan, C-diff culture, urine culture etc - all paid for with that 26K. I was in the hospital 7days initially also, instead of 2.
I do understand folks wanting to go to Mexico, I looked into it myself. However, I cannot imagine being thousands of miles from home and have the complications that I had. As you and your brother are researching, I encourage you to think of the what ifs and how to handle that, too.