Cruisers Forum
 


Join CruisersForum Today

Reply
 
Thread Tools Rate Thread Display Modes
Old 01-03-2014, 06:36   #1
Don't ask if you can't handle it
 
sailorboy1's Avatar

Cruisers Forum Supporter

Join Date: Jul 2007
Location: On the boat somewhere
Boat: Hunter 410
Posts: 12,311
Medical Insurance & Costs

We all are aware of the 900 lb gorilla for older cruisers that medical insurance is. So for those of us that aren't going to be covered by some free type insurance lets collect some stories for cost etc.

So for current or recent cruisers:
- what are you paying for medical insurance
- what restrictions does your coverage have (things or locations like country restrictions)
- what is your deductible, is it a general plan or really a major medical
- are there factors with your health that affected the price (ie past heart attack or preexisting conditions etc)

Lets try to stick to facts and not rants, the costs are the costs and there is no reason to cry about them on a CF thread as that solves nothing. The goal here here to allow a reader to understand the current cost as they may apply to themselves if they need to find insurance in order to budget and plan.


Let's not go down the USA medical system & cost rants. This is an international forum and an international question. If you are cruising in the US and have coverage that is fine post the costs, but don't start a rant.
__________________

__________________
jobless, houseless, clueless, living on a boat and cruising around somewhere
sailorboy1 is offline   Reply With Quote
Old 01-03-2014, 06:59   #2
Senior Cruiser
 
Kenomac's Avatar

Cruisers Forum Supporter

Join Date: Jan 2012
Location: Somewhere in the Adriatic Sea
Boat: Oyster 53 Cutter
Posts: 8,511
Re: Medical Insurance & Costs

Here in the US, my wife's employer sends us a government statement each year declaring that $34,000 was spent towards healthcare insurance to cover the two of us with no preexisting conditions. 56 & 57 yrs. We also pay an additional $4000 per year deducted from her salary plus a $500 each annual deductable. This policy covers 80 percent of medical cost and 100 percent hospitalization and is considered by the government to be one of the "gold plated cadillac policies" for the rich which they intend to begin taxing at 38 percent in a couple of years.... my wife in a registered nurse.

When she hopefully retires in a few years, we plan to pay cash for medical services and obtain an evacuation policy and or one that just covers catastrophic events with a high deductable. Our present dental insurance only covers the first $1000 per year for each of us, we pay 100 percent of the amount above.
__________________

__________________
Kenomac is offline   Reply With Quote
Old 01-03-2014, 07:02   #3
Registered User

Join Date: Jul 2009
Location: Deale, MD
Boat: Westsail 28
Posts: 684
Images: 12
Re: Medical Insurance & Costs

Veterans Administration: 100% free including medicine and dental. Although you get what you pay for.

I also have medicare; I'm sorry I don't know what it costs me, but it's minimal. I do not have part D (which would cover medication)

If out of the country (or in) and need emergency care, or care for a service connected disability, the VA has a reimbursement program. For example: VA paid tens of thousands of dollars of my private health costs when I was stabbed in the liver.
http://www.va.gov/hac/forbeneficiaries/fmp/fmp.asp
http://www.va.gov/hac/factsheets/fmp/FactSheet01-05.pdf

In order to renew prescriptions for my regular meds I'm required to see a VA doc at least every six months which means flying back home for a Dr appt. With flights and hotel my "free" healthcare can get pretty expensive.
__________________
virginia boy is offline   Reply With Quote
Old 01-03-2014, 07:08   #4
Registered User
 
Teknav's Avatar

Join Date: Jul 2012
Location: Texas - USA
Boat: Twin Otter de Havilland Floatplane
Posts: 1,838
Re: Medical Insurance & Costs

Just the facts about private medical and dental insurance...If you are over 60, in the US, Blue Cross/Blue Shield PPO medical insurance with Delta Dental coverage will cost you around $600 USD per month/per person; $1500 USD medical deductible per year. Maximum dental benefits per year is $1500 USD with two "free" dental cleaning; 20% deductible on dental.

Mauritz
The devil is in the details.
__________________
Retired - Don't Ask Me To Do A Damn Thing!
Teknav is offline   Reply With Quote
Old 01-03-2014, 07:19   #5
Registered User

Join Date: Oct 2010
Location: Oregon
Boat: 57' Laurent Giles Yawl
Posts: 755
Re: Medical Insurance & Costs

$650/month for a family of four (parents in their thirties and kids ten and under) to have the highest deductible Obamacare insurance. One of us has a significant preexisting condition, but that didn't affect the price of the plan. I believe the deductible is somewhere around $7k.

I am not sure if it covers us internationally. We view it as "last resort" coverage, if something is so wrong we have to return to America to treat it.

We recently used the emergency medical system on a French island, including a long ambulance ride, and were not charged anything. I don't expect to always be treated that graciously by the countries we visit, but think the costs are likely to be reasonable. My father is a physician in Australia and has told me a few anecdotes of the reasonable fees their healthcare system charges visitors. So I think self insuring for international coverage will probably work out well for us.
__________________
our blog
msponer is offline   Reply With Quote
Old 01-03-2014, 07:51   #6
Don't ask if you can't handle it
 
sailorboy1's Avatar

Cruisers Forum Supporter

Join Date: Jul 2007
Location: On the boat somewhere
Boat: Hunter 410
Posts: 12,311
Re: Medical Insurance & Costs

Quote:
Originally Posted by msponer View Post
$650/month for a family of four (parents in their thirties and kids ten and under) to have the highest deductible Obamacare insurance. One of us has a significant preexisting condition, but that didn't affect the price of the plan. I believe the deductible is somewhere around $7k.

I am not sure if it covers us internationally. We view it as "last resort" coverage, if something is so wrong we have to return to America to treat it.
Did you look for a international program instead and get a price for that verse a US ACA program?
__________________
jobless, houseless, clueless, living on a boat and cruising around somewhere
sailorboy1 is offline   Reply With Quote
Old 01-03-2014, 08:00   #7
Moderator
 
carstenb's Avatar

Cruisers Forum Supporter

Join Date: May 2012
Location: Copenhagen
Boat: Jeanneau Sun Fast 40.3
Posts: 4,937
Images: 1
Re: Medical Insurance & Costs

here is a quote I received about 1 year ago: I can't get this to work.

Anyway, with a 250 deductible coverage for 2 persons starts at $300 per month, if you accept the normal "exclusions" (prior illness etc), with no exclusions the same coverage is $400 per month.

From there it goes up or down. Same coverage but with a $10,000 deductible is $200 per month without exclusion, $150 per month with exclusions.

That's pretty basic coverage, If yo buy the whole load (their Platinum package) with no exclusions and a $250 deductible it costs just over $ 1,000 per month

Note that the above prices include both me (62 years old - no existing illness) and my wife (54 years old - no existing illness)
__________________
I spent most of my money on Booze, Broads and Boats. The rest I wasted - Elmore Leonard
carstenb is offline   Reply With Quote
Old 01-03-2014, 09:58   #8
Moderator
 
sailorchic34's Avatar

Cruisers Forum Supporter

Join Date: Feb 2011
Location: SF Bay Area
Boat: Islander 34
Posts: 4,812
Re: Medical Insurance & Costs

I of course pay zero for medical insurance. So not in my budget. I've not seen a doctor is quite some time. Oddly enough, I don't worry about it either.
__________________
sailorchic34 is offline   Reply With Quote
Old 01-03-2014, 12:51   #9
Registered User
 
ShaktiGurl's Avatar

Join Date: May 2013
Location: West Palm Beach
Boat: Leopard 40
Posts: 365
Images: 1
Re: Medical Insurance & Costs

My company plan (med and dental) covers myself, spouse and kids (up to 26). Costs me about 5k per year and company pays about 9k at 80/20 coverage, $800 per person deductible, $50 office visit copays. Costs were flat year over year for last two years but had increased about 6-8% per year before then.
I might check out the cost of the ACA since prior to it I was uninsurable on the private market for a pre-existing condition.
__________________
ShaktiGurl is offline   Reply With Quote
Old 01-03-2014, 13:01   #10
Registered User
 
RainDog's Avatar

Join Date: Jun 2009
Location: Varies
Boat: Pacific Seacraft 34 #142
Posts: 1,183
Re: Medical Insurance & Costs

Does anyone have one of the plans the covers care anywhere in the world except USA? I have heard of these plans and am curious what they cost.
RainDog is offline   Reply With Quote
Old 01-03-2014, 13:30   #11
Registered User

Join Date: Jul 2009
Location: Deale, MD
Boat: Westsail 28
Posts: 684
Images: 12
Re: Medical Insurance & Costs

Quote:
Originally Posted by RainDog View Post
Does anyone have one of the plans the covers care anywhere in the world except USA? I have heard of these plans and am curious what they cost.
__________________
virginia boy is offline   Reply With Quote
Old 01-03-2014, 13:33   #12
Registered User

Join Date: Dec 2013
Location: Paradise
Boat: Various
Posts: 2,359
Re: Medical Insurance & Costs

Quote:
Originally Posted by RainDog View Post
Does anyone have one of the plans the covers care anywhere in the world except USA? I have heard of these plans and am curious what they cost.
Google "Yacht Crew Health Insurance" and you'll find quite a few providers who cover yacht crews worldwide but also cover individuals. They can be designed in just the way you need.

We looked into covering everywhere but the US and it's available, but for us just excluding one country wouldn't have saved. What we did get savings on was that our international policy is secondary to our US policy.

One thing to be careful on with an international policy is where they require you to get treatment. What control and options do you have. If you don't trust the treatment somewhere can you get transported elsewhere?
__________________
BandB is offline   Reply With Quote
Old 01-03-2014, 17:23   #13
Registered User

Join Date: Dec 2010
Location: W Carib
Boat: Wildcat 35, Hobie 33
Posts: 7,932
Re: Medical Insurance & Costs

Quote:
Originally Posted by RainDog View Post
Does anyone have one of the plans the covers care anywhere in the world except USA? I have heard of these plans and am curious what they cost.
My insurance (Guatemalan Co) covers everywhere (including USA), but their network is mostly in Central America. Coverage rate is less if out of network (typical 80/20 for major medical if in network).

Q1,800 (about $230/mo) for 53 yo male in good health.
__________________
belizesailor is offline   Reply With Quote
Old 01-03-2014, 18:35   #14
Registered User

Join Date: Dec 2009
Location: Pickering Ontario
Boat: 1995 hunter 430
Posts: 329
Re: Medical Insurance & Costs

In Canada (Ontario) we have OHIP......and Ohip will cover us to the amount that it would cost here in Ontario....anywhere in the world...this does not cover evacuations....However this would not be enough coverage in the USA

eg: if I were to cut my finger off in Florida...Canada would pay what it would cost to sew if back on here in Toronto.....this is enough for most of the world except the USA (it is just to expensive to get hurt in the USA)

I like these threads to learn what other people are doing
__________________
Navicula is offline   Reply With Quote
Old 01-03-2014, 18:41   #15
Senior Cruiser
 
hpeer's Avatar

Cruisers Forum Supporter

Join Date: Dec 2008
Location: Philadelphia
Boat: Murray 33-Chouette & Pape Steelmaid-44-Safara-both steel cutters
Posts: 3,899
Re: Medical Insurance & Costs

Not me but a guy I trust and believe. 58, diabetic, $30k income level got an Obama care plan for $1,000 per month, with a $1,000 per month reimbursement, so it ends up costing him nada.

I'm 63, wife 61, daughter is 23. I have a gold plan at work. I took a sabbatical and had to pay out of pocket to stay in the plan. $2,450 per month. Ouch.

I carry DAN divers insurance for when we travel.
__________________

__________________
hpeer is online now   Reply With Quote
Reply

Tags
cal, insurance, medical

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




Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -7. The time now is 20:26.


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.