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We ran into the same problem a couple of years ago when my COBRA coverage ran out. I purchased an individual BCBS policy, which is fine as long as I am in the U.S. For the 4-5 mos. a year that I am in the Bahamas, I hold my breath. My experience with medical care there convinces me to avoid it at all costs (it's cheap, but you get what you pay for). For anything serious, I would get back to the U.S. asap. Unfortunately, the Blues turned down my husband, who ended up with an international medical policy that requires him to be out of the U.S. for 6 mos. a year. As long as he doesn't file two claims from the U.S. that overlap the 6 mo. period, we think he'll be OK.
Bottom line? If you plan to cruise U.S. waters, the BCBS individual policy is not too bad, and certainly better than nothing if you don't want to self-insure. I know I wouldn't.
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