As far as the idea of heath care in the US is concerned.
I have been in that biz for over 28 years, same as my wife too.
What I can tell you is that it is not health care
really here. It is disease care. There are many reasons for it, I guess. But the truth is that there is a "LOT" of money
to be made in it. And we all know that if you want to make money, come to america. It is the ultimate capitalist society. Now I don't have nothing bad to say about making a honest living. Its pretty important. But to make th OBCENE amounts that these corporations make, and that is the hospital, insurance
, drug companies, etc that participate in it, along with all the so called leaders of this country that allow them to do it because they to get a piece of the pie... it is unconscietable. (sorry for the bad spelling, no spell check on this computer)
So what is a cruiser to do in this day and age?
My suguestions is first to arm yourself with knoweldge and a great med kit on board for emergencies. Make sure you can treat youself or others for the common types of medical
emergencies you might encounter, and the knowledge of how to do it. Take a cpr course, a basic and advance first aid course, have good reference materials on board. And a lot of drugs, preferably purchased outside the US. Cause if you get them here, it will break you. Make sure you have prescriptions for the ones you need it for. Keep track of the expiraton dates are replace them as needed. Vacuum seal them. Same goes for bandage materials. Get a pelican case to put this stuff in as its the best for it. Keep it handy. No sense in having a ultimate med kit if it is unaccessable when you need it.
As previous posters have said, the best form of insurance is keeping yourself healthy. Do not smoke. Do not drink alcohol in excess. Exercise on a regular basis. Manage stress. Do not take unnecessary risks. The older you get the more time it takes to heal. Know your family history
. If you know you have heart disease in your family
, or diabetes, get checked more often. Get a automatic blood pressure machine. Check it often. Get a glucose machine if you have a tendency towards diabetes. Know what works and what doesn't with alternative medicine (that is almost impossible I agree because it's always changing but still keep up on it as much as possible.)
Do not go for medical
proceedures that are not necessary. Do not get surgerys that you can avoid. If your knees are bad loose the weight first. Then if its still bad, get it done. Same goes for back surgery. In many instances its a more than a waste of time and money, it can make you worse. Hospitals are bad places to be unless you really need to be there.
When its time for things you cannot handle yourself, seek medical attention. You will find good quality care outside the US in many places for a lot less money than here. Insurance in most cases I believe is unnecessary. Its funny
that at a time when many people are trying to get into the US, many americans are going overseas for medical treatments. Expensive surgery like heart bypass, laser eye surgery, and a host of others I am sure can be done at a lot less cost overseas.
And before you think, yea sure, until the complications set it... remember that you can be at the best hospital in the US, with the best medical team there is, and still have complications. Happens every day.
Sometimes there is not a easy answer. Its a shame in this country that we have a system that is profit driven, not heath driven. But that is what it is. It is up to each one of us to work with it.
I, when I get to go, will have my own insurance policy, say 10-25K, in a account that will be used for medical emergencies only. I will make sure my kit is fully stocked. I will try to exercise regulary, and drink lightly.
I will get my teeth either fixed or removed prior to leaving. (in Mexico)(can't have dental emergencies if you don't have any lol...)
Anything other than that is chance, and you cannot plan for that.