Cruisers Forum
 


Join CruisersForum Today

Reply
 
Thread Tools Rate Thread Display Modes
Old 27-01-2009, 17:27   #1
Registered User
 
pjbsailing's Avatar

Join Date: Dec 2006
Location: Sodus Bay, NY
Boat: Morgan 44 - Alert
Posts: 62
health care

What is everyone doing about health care while cruising? Going without? Anything out there specifically for cruisers? Paying through the nose?
Just curious. We were having a nice dinner discussion about what we could afford when out there. Maybe a good medical book

PJ
__________________

__________________
PJBsailing

http://lat43north.blogspot.com
pjbsailing is offline   Reply With Quote
Old 27-01-2009, 20:23   #2
Moderator Emeritus
 
Pblais's Avatar

Join Date: Mar 2003
Location: Hayes, VA
Boat: Gozzard 36
Posts: 8,700
Images: 15
Send a message via Skype™ to Pblais
I think you can find a combination of many things. Medical knowledge of the emergency kind is just a good idea since you might be far from no where and need something. In many places health care is cheaper than in the US but I wouldn't bet that your needs will somehow vanish when you live in paradise.

Good friends came back from 7 years in South America. They paid cash for a lot of things while out there but now that they are temporarily back they are catching up on a lot of neglected check ups and the consequences that come from it. That's not to say they suffered because they were gone but more that getting older takes it's penalty.

The two most dreaded cruising diseases that can befall you are "grandchildren" number one on the bring you back home list and the worst one of all - "your parents". That can be a problem twice or more if you are married. Some times real life can reach out and grab you by the back of the neck.
__________________

__________________
Paul Blais
s/v Bright Eyes Gozzard 36
37 15.7 N 76 28.9 W
Pblais is offline   Reply With Quote
Old 28-01-2009, 00:48   #3
Registered User
 
James S's Avatar

Cruisers Forum Supporter

Join Date: May 2008
Location: Yemen & Lebanon... the sailboat is in Lebenon, the dhow is in Yemen
Boat: 1978 CT48 & 65ft Cargo Dhow
Posts: 5,816
Images: 139
Have a Look at BUPA I pay around $1500 a year and that includes Medivac that I used once and they didn’t cancel me or increase the rates.
__________________
James
S/V Arctic Lady
I love my boat, I can't afford not to!
James S is offline   Reply With Quote
Old 28-01-2009, 01:35   #4
Registered User
 
Stillraining's Avatar

Join Date: Oct 2008
Location: Puget Sound
Boat: Irwin 41 CC Ketch
Posts: 2,876
Howdy James...

Shoot I got all excited there for a moment about your BUPA...it must be way cheaper in you country...I had a quote worked up...5 to 7K per year for just me depending on coverage and with a 200.00 deductible..

I am paying about 7K a year now and we just made the decition to drop it this month and put the money in a savings account every month instead...a risk for sure but what the heck..mine has doubled in 6 years and will double again in 6 more..enough is enough....just thought you might like to know your getting a heck of a deal.
__________________
"Go simple, go large!".

Relationships are everything to me...everything else in life is just a tool to enhance them.
Stillraining is offline   Reply With Quote
Old 28-01-2009, 02:28   #5
Registered User
 
James S's Avatar

Cruisers Forum Supporter

Join Date: May 2008
Location: Yemen & Lebanon... the sailboat is in Lebenon, the dhow is in Yemen
Boat: 1978 CT48 & 65ft Cargo Dhow
Posts: 5,816
Images: 139
Hey Scott
I can’t believe those prices!
OK...I've got about 50 or 60 people on the policy, and for sure there is a group rate.
But many of these people live in the states where health care isn’t cheap (referring only to the cost ;-) )
Sorry for getting your hopes up?
BTW your name has come up at SN...apparently you've made some friends over there that are missing you.....Go figure??
__________________
James
S/V Arctic Lady
I love my boat, I can't afford not to!
James S is offline   Reply With Quote
Old 28-01-2009, 17:07   #6
Registered User
 
pjbsailing's Avatar

Join Date: Dec 2006
Location: Sodus Bay, NY
Boat: Morgan 44 - Alert
Posts: 62
Quote:
Originally Posted by Stillraining View Post
Howdy James...

I am paying about 7K a year now and we just made the decition to drop it this month and put the money in a savings account every month instead...a risk for sure but what the heck..mine has doubled in 6 years and will double again in 6 more..enough is enough....just thought you might like to know your getting a heck of a deal.
$7K? Holy $#! There is no way I can afford something that high. Yikes. I better start shopping around. I was thinking something around $1K, until medicare/medicaid kicked in. Pblais is probably right, as I have read many blogs where the parents, or the grandchildren stopped folks from cruising. I plan to be that bearded, sunburned grandpa that pops up twice a year with some wild stories to tell
__________________
PJBsailing

http://lat43north.blogspot.com
pjbsailing is offline   Reply With Quote
Old 28-01-2009, 17:43   #7
Senior Cruiser
 
DeepFrz's Avatar

Cruisers Forum Supporter

Join Date: Mar 2006
Location: Winnipeg
Boat: None at this time
Posts: 7,930
There has been discussion on the forum about medical coverage in different countries that you might be interested in searching for. They were mostly about countries in the Caribbean I believe. It was quite surprising how many people reported about how good the medical treatment was and how cheap. I guess a lot depends on where you are going and how long you will be there.

I met several American sailors in Cuba (mid 90's) who were there for medical care.
__________________
The Blue Dot Campaign. This Changes Everything.
DeepFrz is offline   Reply With Quote
Old 29-01-2009, 11:00   #8
Senior Cruiser
 
nautical62's Avatar

Cruisers Forum Supporter

Join Date: Jul 2008
Location: Live Iowa - Sail mostly Bahamas
Boat: Beneteau 32.5
Posts: 2,264
Images: 12
I've fortunately never been in that position myself. From what I've read, ways people deal with it are:

1. Go uninsured and take care of yoruself the best you can. (many medical treatments are much less expensive outside the U.S.

2. Buy major medical only and pay lower cost things out of pocket.

3. Cruise in areas with social medical servcie available to non residents.

4. A few recent threads to check out:

5. Pay quite a bit for good coverage from a company that does this sort of thing.

Many recommendations on these threads:

health insurance while cruising

Medical Insurance

Health Insurance ?
__________________
nautical62 is offline   Reply With Quote
Old 29-01-2009, 12:38   #9
Registered User

Join Date: Jan 2006
Location: Currently in Australia
Boat: Tayana 48
Posts: 190
Try searching "IMG". They are underwriting our policy...family of 4, cruising outside the US for at least 6 months out of every 12. We pay about $2100 per year. They seem to be rated well.
HIH,
John
__________________
Live life like you mean it
Meridian is offline   Reply With Quote
Old 29-01-2009, 13:13   #10
Registered User

Join Date: May 2003
Location: Caribbean
Boat: 2004 Manta 42 - Perseverance
Posts: 303
pjbsailing - If you plan on cruising outside the US and relying on Medicare when you are eligible, DON'T. Medicare does not cover claims outside the US. If it is something serious enough, I would use a medivac policy such as DAN (Divers Alert Network) and get back to the US and then file your claims with Medicare.
__________________
Harriet is offline   Reply With Quote
Old 29-01-2009, 16:15   #11
Registered User
 
pjbsailing's Avatar

Join Date: Dec 2006
Location: Sodus Bay, NY
Boat: Morgan 44 - Alert
Posts: 62
Quote:
Originally Posted by Harriet View Post
pjbsailing - If you plan on cruising outside the US and relying on Medicare when you are eligible, DON'T. Medicare does not cover claims outside the US. If it is something serious enough, I would use a medivac policy such as DAN (Divers Alert Network) and get back to the US and then file your claims with Medicare.
Thanks Harriet. I guess I thought I'd be covered outside our borders. The medivac sounds interesting.
__________________

__________________
PJBsailing

http://lat43north.blogspot.com
pjbsailing is offline   Reply With Quote
Reply

Tags
health care

Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Would You Use Alternative Health Care While Cruising? mangomuffins Boat Ownership & Making a Living 77 25-08-2015 19:08
Whales . . . Should Cruisers Care ? porttack Off Topic Forum 94 09-11-2010 04:24
sail care perchance Construction, Maintenance & Refit 2 14-12-2008 19:07
Put a boat in charter, how well do they take care of it? videorov Dollars & Cents 11 03-11-2008 11:14
Teak Deck Care chad.lawie Construction, Maintenance & Refit 21 17-08-2007 09:30



Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -7. The time now is 13:24.


Google+
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
Social Knowledge Networks
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.

ShowCase vBulletin Plugins by Drive Thru Online, Inc.