Cruisers Forum
 


Join CruisersForum Today

Reply
 
Thread Tools Search this Thread Rate Thread Display Modes
Old 15-02-2018, 07:45   #1
Registered User
 
GrahamO's Avatar

Join Date: Mar 2012
Location: Portsmouth, NH
Boat: Bristol 38.8
Posts: 35
Medical insurance for US 'resident' long-term cruisers

Hopefully someone has found their way through this maze and can advise us. We are planning to live on board and overseas for a couple of years with brief visits back to the US.

My wife is under 65 and paying an enormous premium for coverage that treats overseas costs as out of network resulting in a $10,000 deductible and only 80% coverage.

I am on Medicare and Medigap which provide zero overseas coverage after six weeks.

I am not going to confuse this thread by describing what we THINK we have learned to date yet but if anyone has made sense of options we would love to hear from them.

Thanks

Graham
www.sailingleela.com
__________________

GrahamO is offline   Reply With Quote
Old 15-02-2018, 08:07   #2
Registered User

Join Date: Apr 2017
Location: Sea of Cortez
Boat: Leopard 38+; Corsair F-31UC
Posts: 15
Re: Medical insurance for US 'resident' long-term cruisers

Great question! In same predicament. Following this one.
__________________

Trvlmedic is offline   Reply With Quote
Old 15-02-2018, 08:24   #3
Registered User

Join Date: May 2010
Posts: 399
Re: Medical insurance for US 'resident' long-term cruisers

I would look at emergency medical repatriation insurance. There have been other threads on the topic.


Depending where you're going, the 'wing and a prayer' method will work, insofar as health care can be free to inexpensive in lots of other countries. Repatriation insurance will get someone home in a serious situation.
Drew13440 is offline   Reply With Quote
Old 16-02-2018, 00:18   #4
Registered User

Join Date: Jul 2006
Location: Underway in the Med -
Boat: Jeanneau 40 DS SoulMates
Posts: 1,993
Images: 1
Re: Medical insurance for US 'resident' long-term cruisers

Quote:
Originally Posted by GrahamO View Post
Hopefully someone has found their way through this maze and can advise us. We are planning to live on board and overseas for a couple of years with brief visits back to the US.

My wife is under 65 and paying an enormous premium for coverage that treats overseas costs as out of network resulting in a $10,000 deductible and only 80% coverage.

I am on Medicare and Medigap which provide zero overseas coverage after six weeks.

I am not going to confuse this thread by describing what we THINK we have learned to date yet but if anyone has made sense of options we would love to hear from them.

Thanks

Graham
www.sailingleela.com

Where are you planning on sailing?? We have sailed all the Caribbean and most of the Med as well as the USA and we are both 70+ and going on our 11th year underway.
We do not carry insurance. We were going to get on a group policy some of our South African friends have but the minute the company found we were over 65 they said no way.
Have we had issues? Yep! in Colombia the Admiral had hand surgery, in Trinidad I had 1/2 my nose replaced, in Tunisia I tore a tendon in my shoulder and had 2 screws put in for a repair along with a lot of pt, in Tunisia the Admiral had her other hand operated on, in Turkey I donated by gall bladder to a local hospital. We pay for these by cash.

Here is our 9 years of cost data so you can see exactly what we pay for our medical and some of the medical is discretionary such as the admirals facial stuff - it also includes dentist and eye as both of us wear glasses and I wear trifocals.

9 years of cost data
__________________
just our thoughts and opinions
chuck and svsoulmates
Underway along the Turkish coast eastbound
chuckr is offline   Reply With Quote
Old 16-02-2018, 03:16   #5
Registered User

Join Date: Dec 2010
Location: W Carib
Boat: Wildcat 35, Hobie 33
Posts: 9,333
Re: Medical insurance for US 'resident' long-term cruisers

Quality health care and health insurance outside the USA can be quite affordable. There have been several threads here discussing that topic here, give them a search.

Companies like Gowrie broker policies that might be useful to you.

https://gowrie.com/

Policies that exclude USA coverage are quite affordale. Add repatriation insurance and you can go back and use Medicare, but you may find that treatment outside the USA is still less expensive.

Bottom line: if you want good affordable healthcare & insurance, both are readily available outside the USA.
belizesailor is offline   Reply With Quote
Old 16-02-2018, 08:56   #6
Registered User

Join Date: Aug 2014
Location: Seattle, WA
Boat: C&C Landfall 38
Posts: 275
Re: Medical insurance for US 'resident' long-term cruisers

Quote:
Originally Posted by Drew13440 View Post
I would look at emergency medical repatriation insurance. There have been other threads on the topic.
Does that cover medical costs though? I googled it and found this: Emergency Evacuation/Repatriation Coverage | Travel Insurance Review

Sounds like it covers only the transportation back to your home country - it's insurance for transportation for medical reasons, not insurance for medical coverage. I don't think that's what they're looking for? You'd still need medical insurance or be stuck with a big bill back in the US.

It sounds like medical repatriation insurance is mainly useful for people who have a very good medical plan in the US (thus it will be cheaper than paying cash in a foreign country) or prefer US healthcare for major issues, *and* feel they can't afford last minute emergency transportation (otherwise it'd be better to self-insure that). Or want the benefit of having someone else help with booking that in stressful times.
Tessellate is offline   Reply With Quote
Old 16-02-2018, 10:05   #7
Registered User

Join Date: Jan 2018
Location: New york
Boat: Bavaria Nautitech Open 40
Posts: 3
Re: Medical insurance for US 'resident' long-term cruisers

Hi

While it is still a few years before we set off I have looked into this question. Emergency evacuation insurance is good if you just need to get back to the U.S. It is not expensive, check out DAN Boater. Health care in most of the world is affordable. Especially as compared to the U.S. We saw doctors in Mexico and they were both schooled in the U.S. The facilities are not as nice looking as in the states, but were clean and adequate.
I personally plan on a catastrophic policy for the worst case. Minor needs will be out of pocket outside the states.
Another site to check out is:

https://www.sevencorners.com

Good Luck
Wave_length is offline   Reply With Quote
Old 16-02-2018, 10:29   #8
Junior Cruiser
 
pbaumann's Avatar

Cruisers Forum Supporter

Join Date: Mar 2017
Location: Metro Detroit
Boat: 2008 Jeanneau 39 SO DS
Posts: 19
Re: Medical insurance for US 'resident' long-term cruisers

Check this out: https://geobluetravelinsurance.com/
pbaumann is offline   Reply With Quote
Old 16-02-2018, 13:00   #9
Registered User
 
Davidhoy's Avatar

Join Date: Jul 2016
Location: Fort Lauderdale
Boat: Morgan 462
Posts: 756
Re: Medical insurance for US 'resident' long-term cruisers

Look at https://danboater.org/ for information about emergency repatriation coverage. Once you are home your US-based coverage would kick in.

DAN started out as an organization for divers, but have expanded beyond their original roots. They have a stellar reputation, and are very affordable.

Regards,
David
__________________
Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.” – Mark Twain
Davidhoy is offline   Reply With Quote
Old 16-02-2018, 13:28   #10
Registered User

Join Date: Feb 2016
Location: Northport NY
Boat: Pearson 10M
Posts: 162
Re: Medical insurance for US 'resident' long-term cruisers

I am a health insurance broker in the US. I have been using IMG for the last few years, have had no issues with coverage outside the US. Hope this helps.

https://www.imglobal.com/?msclkid=4a...IMG%3A%20Exact
sagablu is offline   Reply With Quote
Old 16-02-2018, 13:47   #11
Registered User

Join Date: Jun 2017
Location: San Lucas Sacatepequez Guatemala
Posts: 74
Re: Medical insurance for US 'resident' long-term cruisers

Check with Allianz Epat Health Insurance and Cigna Expat Health Insurance. Not sure if either of those will cover you if you are always moving because I think you need to have a "home country". That means you must stay in your "home" country a minimum number of months a year. They might have a product for people that are always moving or be able to point you in the right direction

If your wife is healthy another option is go uncovered and along as the Affordable Care Act continues to cover pre-existing conditions and continues to have an annual maximum of aprox. $7.5K. If your wife gets seriously ill then you can get coverage by the first of the month following the month you establish residency back in the USA. You can establish residency just by renting an apartment, having a utility bill or living with a family member. Then for minor health care issues you can pick a country that has very good and inexpensive health care of which their are many as you travel the world.
Augi is offline   Reply With Quote
Old 16-02-2018, 15:31   #12
Registered User

Join Date: Feb 2016
Location: Northport NY
Boat: Pearson 10M
Posts: 162
Re: Medical insurance for US 'resident' long-term cruisers

Quote:
Originally Posted by Augi View Post
Check with Allianz Epat Health Insurance and Cigna Expat Health Insurance. Not sure if either of those will cover you if you are always moving because I think you need to have a "home country". That means you must stay in your "home" country a minimum number of months a year. They might have a product for people that are always moving or be able to point you in the right direction

If your wife is healthy another option is go uncovered and along as the Affordable Care Act continues to cover pre-existing conditions and continues to have an annual maximum of aprox. $7.5K. If your wife gets seriously ill then you can get coverage by the first of the month following the month you establish residency back in the USA. You can establish residency just by renting an apartment, having a utility bill or living with a family member. Then for minor health care issues you can pick a country that has very good and inexpensive health care of which their are many as you travel the world.
Sorry but trying to secure coverage after it is needed is ill advised . You need more than a utility bill to establish residency and how much time does it take to arrange an account and then obtain coverage? 60 days? How would care be accessed in the meantime? Sometimes care is needed urgently. Please make plan choice for all eventualities, not just what you can predict
sagablu is offline   Reply With Quote
Old 16-02-2018, 15:52   #13
Senior Cruiser

Cruisers Forum Supporter

Join Date: Jul 2005
Location: Bellingham
Boat: Outbound 44
Posts: 5,551
Re: Medical insurance for US 'resident' long-term cruisers

Quote:
Originally Posted by sagablu View Post
I am a health insurance broker in the US. I have been using IMG for the last few years, have had no issues with coverage outside the US. Hope this helps.

https://www.imglobal.com/?msclkid=4a...IMG%3A%20Exact
Seems like IMG has unreasonable caps on pre-existing conditions with a liberal definition of what a pre-existing condition is.
Paul L is offline   Reply With Quote
Old 16-02-2018, 15:55   #14
Registered User

Join Date: Jun 2017
Location: San Lucas Sacatepequez Guatemala
Posts: 74
Re: Medical insurance for US 'resident' long-term cruisers

I thoroughly researched the process involved to get residency in California and Pennsylvania and then get coverage via the Affordable Care Act with two different brokers one in each in State. The results of the research was it would take no longer than 45 days to get coverage. If 45 days is too long in terms of what pans out then I agree if you do not already have coverage it is not a good scenario. I am 61. My wife and I spend 6 months year traveling, sailing. The other 6 months my wife and I live in Guatemala. I have $20K deductible health insurance($3 million annual max), with Allianz Expat for coverage in Latin America and the USA for $230. It includes emergency coverage for wherever we are in the World and cost of transportation if needed when outside coverage area or if adequate treatment is not available when the insured is in his country of domicile. Coverage for Latin America with no coverage in the USA would have been $210 for me. Health care in Guatemala is quite good, and not expensive. I have had a number of procedures in Guatemala and I prefer being treated in Guatemala versus the States. You can get treatment for most illnesses in Guatemala but it is always possible for a better procedure or for a new procedure not available in Guatemala I would need to go to the USA or somewhere else outside Guatemala.
Augi is offline   Reply With Quote
Old 16-02-2018, 17:26   #15
Registered User

Join Date: Feb 2016
Location: Northport NY
Boat: Pearson 10M
Posts: 162
Re: Medical insurance for US 'resident' long-term cruisers

Quote:
Originally Posted by Augi View Post
I thoroughly researched the process involved to get residency in California and Pennsylvania and then get coverage via the Affordable Care Act with two different brokers one in each in State. The results of the research was it would take no longer than 45 days to get coverage. If 45 days is too long in terms of what pans out then I agree if you do not already have coverage it is not a good scenario. I am 61. My wife and I spend 6 months year traveling, sailing. The other 6 months my wife and I live in Guatemala. I have $20K deductible health insurance($3 million annual max), with Allianz Expat for coverage in Latin America and the USA for $230. It includes emergency coverage for wherever we are in the World and cost of transportation if needed when outside coverage area or if adequate treatment is not available when the insured is in his country of domicile. Coverage for Latin America with no coverage in the USA would have been $210 for me. Health care in Guatemala is quite good, and not expensive. I have had a number of procedures in Guatemala and I prefer being treated in Guatemala versus the States. You can get treatment for most illnesses in Guatemala but it is always possible for a better procedure or for a new procedure not available in Guatemala I would need to go to the USA or somewhere else outside Guatemala.
I don't wish to derail this thread, but coming to the US, establishing a sham residency and obtaining coverage for a pre-existing condition is nothing more than making the taxpayers and the those who pay premiums pick up those claims. There is no free money here, someone has to pay. Major factor in the continuing cost increases in the US. May be legal, but not exactly fair.

On another note, I make a very good living showing companies that their brokers know nothing, so if it sounds to good or too easy, get it in writing. Peace
__________________

sagablu is offline   Reply With Quote
Reply

Tags
cal, cruise, cruiser, insurance, medical

Thread Tools Search this Thread
Search this Thread:

Advanced Search
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
Florida Resident Boat Insurance zboss Dollars & Cents 38 04-10-2014 18:00
Long term cruising w/medical condition kcmarcet General Sailing Forum 16 19-08-2013 22:25
Cruising yacties - Resident or Non-Resident? (re Australian ATO) MartinW Monohull Sailboats 0 10-01-2012 12:04
California Reg & Liability Insurance for Non-Resident? bangkaboat General Sailing Forum 29 02-05-2011 14:14
Do Long Term Cruisers Keep Auto Insurance ? capcook Dollars & Cents 15 24-09-2009 09:18



Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -7. The time now is 22:50.


Google+
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2018, vBulletin Solutions, Inc.
Social Knowledge Networks
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2018, vBulletin Solutions, Inc.

ShowCase vBulletin Plugins by Drive Thru Online, Inc.