Cruisers Forum
 


Join CruisersForum Today

Reply
 
Thread Tools Rate Thread Display Modes
Old 05-07-2010, 09:32   #16
Registered User

Join Date: Nov 2008
Location: Bahamas, US Gulf Coast, and East Coast
Boat: 38' 1983 Pearson 385 - "Zydeco"
Posts: 154
Images: 3
Quote:
Originally Posted by grunzster View Post
Zydeco - What about when traveling out of the country? Or if out of the US for extended periods?
Dunno. Sorry. I don't think most domestic policies have much if any international coverage. Looks like Doodles might have the answer.
__________________

__________________
Zydeco is offline   Reply With Quote
Old 05-07-2010, 09:47   #17
Marine Service Provider

Join Date: Nov 2008
Posts: 1,249
That's what I'm thinking. And based on the difference in our ages, I bet I could get a really good rate.
__________________

__________________
off-the-grid is offline   Reply With Quote
Old 05-07-2010, 16:17   #18
Senior Cruiser
 
osirissail's Avatar

Cruisers Forum Supporter

Join Date: Feb 2009
Location: A real life Zombie from FL
Boat: Gulfstar 53 - Osiris
Posts: 5,416
Images: 2
I also have IMG through IMIS for my foreign wife - HOWEVER - it does not include coverage "inside" the USA/Canada. She has full coverage anywhere in the world except there for US$1500 a year. Last time I looked to get inside the USA/Canada coverage the premium jumps to over US$5K per year.
- - If you are healthy, single, and young like to OP, having health insurance for outside the USA is not really necessary. Most diseases a young man can get in these little Tropical paradises can be treated with over the counter drugs from the Pharmacia. Accidental injuries can be treated virtually free at public clinics and for ridiculously low prices at private doctors and clinics. My wife is having a series of foot surgery treatments at a first class clinic with the most modern equipment here in Trinidad. For a half hour with the doctor chatting about everything while he cuts away on her foot we are billed US$50 per visit. We spent more than that on lunch for two on the way back to the boat.
__________________
osirissail is offline   Reply With Quote
Old 11-07-2010, 16:47   #19
Registered User
 
YOGAO's Avatar

Join Date: May 2008
Location: St. Augustine, FL - an unwilling C.L.O.D.
Boat: Maine Cat 41
Posts: 519
Quote:
Originally Posted by GordMay View Post
I don't know. I posted it as a joke; but I suppose you could call the number.

As a Canadian, I thought it humorous to see health insurance hawked like a kitchen gizmo.
And it might be noted that Billy Mays passed away in June 2009. A great pitchman.
__________________
YOGAO is offline   Reply With Quote
Old 11-07-2010, 18:26   #20
Senior Cruiser
 
Lancerbye's Avatar

Cruisers Forum Supporter

Join Date: Mar 2007
Location: Ladysmith,BC, Vancouver Island , Canada
Boat: Lancer 44 Motorsailer
Posts: 1,758
Images: 32
Gord as another Canadian I also found it funny. As an ancient Canadian I get free medical coverage in Canada during the 6 mos. I am here. during the other six months I get coverage through my new Filipena wife's Philhealth plan. which has a family cost of about $100CAD per year. The medical treatments and care in the Philippines is as good as it is in Canada and you have a very short wait time. A standard doctor's visit without Philhealth runs less than $20CAD. The medical system in the US is beyond my scope of understanding. It must be the most expensive in the world. Is it really worth it?
__________________
The basis of accomplishment is in never quitting
Mengzi Meng-tse
Lancerbye is online now   Reply With Quote
Old 11-07-2010, 18:56   #21
֍֎֍֎֍֎֍֎֍֎

Cruisers Forum Supporter

Join Date: Apr 2006
Posts: 13,056
Grunzster-
" Do I need to change my health insurance every 6 months too? " If you haven't found out by now...You would only have "out of network" coverage in the second location, usually with a second or much higher deductible. Pretty much all medical insurance in the US has become an "HMO" no matter what they call it, your primary coverage is to "enrolled" providers in your local area and everything else is "ka-ching!".
The only national coverage these days might be from the VA.
__________________
hellosailor is offline   Reply With Quote
Old 21-07-2010, 20:00   #22
Registered User
 
RainDog's Avatar

Join Date: Jun 2009
Location: Varies
Boat: Pacific Seacraft 34 #142
Posts: 1,183
Quote:
Originally Posted by GordMay View Post
I don't know. I posted it as a joke; but I suppose you could call the number.

As a Canadian, I thought it humorous to see health insurance hawked like a kitchen gizmo.
I thought the "Can" in iCan stood for Canada (as in "I Can move to Canada!). I just assumed the $160 a month is what they charged you for relocation and job-search assitance for your move to Canada.
__________________
RainDog is offline   Reply With Quote
Old 03-08-2010, 18:51   #23
Marine Service Provider

Join Date: Nov 2008
Posts: 1,249
Quote:
Originally Posted by hellosailor View Post
You would only have "out of network" coverage in the second location, usually with a second or much higher deductible. Pretty much all medical insurance in the US has become an "HMO" no matter what they call it, your primary coverage is to "enrolled" providers in your local area and everything else is "ka-ching!".
The only national coverage these days might be from the VA.
GREAT! So my options are:
  1. Get out of the US for those other 6 months and get one of those travelers policies...in addition to the other policy?
  2. Just go with travelers, and hop on a plane if I need treatment?
  3. Just go with the original plan, I'm young and healthy, **** the insurance?
__________________
off-the-grid is offline   Reply With Quote
Old 03-08-2010, 19:23   #24
Senior Cruiser
 
Therapy's Avatar

Cruisers Forum Supporter

Join Date: Jul 2007
Location: W Florida
Boat: The Jon boat still, plus a 2007 SeaCat.
Posts: 6,894
Images: 4
G,
You can go without insurance easy in the US.

There is free medical care for everyone. Has been for years.

Just make it a ER and they (by law) have to treat you. Got a busted appendix or bone - no problem, they will fix it.

You then work out a payment plan after dithering with the charges. 10.00 a month is even in the realm. If they say no then you can tell them they will get the same as if you were a homeless psychopath (sailor).
They will go for a payment plan. Something is better than nothing.

Most don't know that free medical care is already a fact in the US. Not the best but better than most 3rd world places.
__________________
Therapy is offline   Reply With Quote
Old 03-08-2010, 19:39   #25
֍֎֍֎֍֎֍֎֍֎

Cruisers Forum Supporter

Join Date: Apr 2006
Posts: 13,056
Grunzster-
You'd have to see what policy terms and limits apply. And, "must" go abroad like clockwork every six months could interfere with the rest of life.

Hopping on a plane is all well and good, but these days with global flu concerns, if you look flushed and are running a fever--you may be pulled out and denied boarding. If you're doubled over from appendicitis, you may not be up to flying even if you aren't stopped. Flying halfway around the world for a scheduled procedure is one thing, but if you get hit by a truck..."Take me to the airport" may not play so well.<G>

Which is the downside to "young and healthy". I know two young and healthy people, in their 20's, who were diagnosed with unexpected heart problems. Big time, surgery not optional but because it was caught early, they could schedule it non-emergency. And of course, "hit by a truck" or hit by a boom, applies at any age.

So...the cheaper choice in the US is a major medical policy with a high ($5-10k) deductible and you just hope you're "in plan" if you need it. Or you try to find one of those rare plans that claim to be national.

As Therapy mentions, the reality of hospital billing can be surprising. Some of the hospitals and some of the lab companies make VERY generous accomodations for people with low income and no insurance. Some will charge you the "Medicare rate" which can be half "retail". Some will actually comp the charges--this is an area where negotiation is kept very quiet--but is very effective.

And of course, if Obamacare isn't struck out in the courts, the rules will keep changing over the next 4 years, often radically. You can't tell the players without a scorecard, and there'll be a new one of those about every six months from now on.
__________________
hellosailor is offline   Reply With Quote
Old 03-08-2010, 19:49   #26
Senior Cruiser
 
Therapy's Avatar

Cruisers Forum Supporter

Join Date: Jul 2007
Location: W Florida
Boat: The Jon boat still, plus a 2007 SeaCat.
Posts: 6,894
Images: 4
Quote:
Originally Posted by hellosailor View Post
As Therapy mentions, the reality of hospital billing can be surprising. Some of the hospitals and some of the lab companies make VERY generous accomodations for people with low income and no insurance. Some will charge you the "Medicare rate" which can be half "retail". Some will actually comp the charges--this is an area where negotiation is kept very quiet--but is very effective.

And of course, if Obamacare isn't struck out in the courts, the rules will keep changing over the next 4 years, often radically. You can't tell the players without a scorecard, and there'll be a new one of those about every six months from now on.
That is said better than the way I tried.
Thanks H.
__________________
Therapy is offline   Reply With Quote
Old 04-08-2010, 10:01   #27
Marine Service Provider

Join Date: Nov 2008
Posts: 1,249
I can do the psychopath act...probably without much of a stretch.
Quote:
Originally Posted by hellosailor View Post
You'd have to see what policy terms and limits apply. And, "must" go abroad like clockwork every six months could interfere with the rest of life.
Maybe if I tell them up front they can work out some sort of deal, if it means getting a new customer or not? What do you mean could interfere with life? Isn't going abroad every six months exactly what snowbirding is?
Quote:
Originally Posted by hellosailor View Post
Which is the downside to "young and healthy". I know two young and healthy people, in their 20's, who were diagnosed with unexpected heart problems. Big time, surgery not optional but because it was caught early, they could schedule it non-emergency. And of course, "hit by a truck" or hit by a boom, applies at any age.
On the other hand there people who go without insurance for years and never have a problem. There are also plenty of people with insurance who have something major (expensive) happen and their claim is denied. In the end, especially in the US, you're paying a lot of money for something that you may never need, and that may not even help you if and when you do need it.

Boom! What boom? My story for DAN is I got hit by the dive ladder when boarding the boat. Maybe my best bet is to just go without insurance, forget snowbirding, and just leave the US since just paying out of your own pocket seems to way be cheaper in the rest of the world.
__________________

__________________
off-the-grid is offline   Reply With Quote
Reply

Tags
health insurance

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
Health Insurance ? irwinsailor Dollars & Cents 148 27-12-2016 19:42
Health Insurance Get-a-Life Health, Safety & Related Gear 83 20-12-2010 08:42
Health insurance CorrinaCorrina Liveaboard's Forum 1 15-09-2009 13:26
health insurance??? bluewater Health, Safety & Related Gear 18 08-02-2007 21:45
Health Insurance CarolD Dollars & Cents 6 19-12-2005 07:01



Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -7. The time now is 07:46.


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.