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bluewater · 08-02-2007, 01:42

I made the initial post and finally took care of business with regard to health insurance. We purchased the Blue Cross High Deductible plan at $158/month, which covers us both. Yes, sounds cheap, but consider the $8,000 deductible.

FYI: They have deductible options as low as $2,000.

In all my research, as long as we stay in the US (which we will for close to 2 more years) this is the best plan for us. The deductible may seem extreme, but we weighed our options (e.g. cash on hand) and decided to go for it. We are two 30-something healthy people with no histories and if we're ever faced with something that big, we'd have to swallow the anchor anyway.

The only thing I wish I could add to the plan is accident insurance, since the greatest risk of high-expense injury would very likely be an accident (barring something like cancer, that is) while sailing, skiing or the like. Anyway, this combined with our DAN evacuation insurance works for now.

People have added some great information to this thread, so keep at it!

08-02-2007, 01:42	#6
bluewater Registered User Join Date: Dec 2005 Location: Top of The Gulf of Alaska (Currently) Boat: 36' steel cutter Posts: 33	a follow up... I made the initial post and finally took care of business with regard to health insurance. We purchased the Blue Cross High Deductible plan at $158/month, which covers us both. Yes, sounds cheap, but consider the $8,000 deductible. FYI: They have deductible options as low as $2,000. In all my research, as long as we stay in the US (which we will for close to 2 more years) this is the best plan for us. The deductible may seem extreme, but we weighed our options (e.g. cash on hand) and decided to go for it. We are two 30-something healthy people with no histories and if we're ever faced with something that big, we'd have to swallow the anchor anyway. The only thing I wish I could add to the plan is accident insurance, since the greatest risk of high-expense injury would very likely be an accident (barring something like cancer, that is) while sailing, skiing or the like. Anyway, this combined with our DAN evacuation insurance works for now. People have added some great information to this thread, so keep at it! __________________ s/v Bluewater www.adventurefreaks.org