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Sea Dreaming · 05-09-2016, 14:38

Quote:

Originally Posted by Gadagirl

that depends on a lot! Have you never had the opportunity to witness the end of a life of a person who if had been diagnosed sooner, been able to afford treatment, might have lived? Taken away from their families and their own aspirations if only? Or even a person properly diagnosed, but unable to pay?

I view myself as silly if I compare myself to the millions in this world without such guarantee. But I know what's available, so I want it. I'm sure family and friends want that for me as well. I notice there's no argument against spending insurance $ in boat. But health insurance $ are considered useless. I just disagree with that for my own plans.why not offer myself protection.

I'm not a big fan of insurance overall. That said, when my son was born there were complications and the medical bill was high. Insurance helped a lot. I have no desire to argue the merits of insurance. Honestly, I think most folk on this thread do not argue with you but, instead offer perspectives you can draw upon in determining your own choices.

You said you want to be able to avail yourself of the different medical advances that come along. I think, in order to continue your planning you will need to dig deep into what different policies will or wont cover. The cost of health insurance is a big factor in your budget. You need to know just how much you will have to pay for the kind of coverage you desire. Brace yourself, it's a big number. But knowing the figure you can more realistically decide how you proceed.

I'm not arguing with your choice here. But having read the fine print on my own A grade policy, I know that there are limits to what I can expect should I fall ill. My policy does not cover brain cancer, for example. Or stem cell treatments. And it won't cover any treatment deemed to be "experimental" (as determined by the board) And while other treatments might be covered, the covered treatments may not be available. Specialists are covered, but specialists aren't always available where you need them to be. Or, conversely, available but does not accept the insurance one has. Being necessary, you p ay for that doc out of pocket.

My own recent example: I broke my leg a couple of years ago. It was not a complex fracture. I went to a hospital in my network. The radiologist, nurse etc were all covered. The actual doctor, who was brought in for a staffing gap, did not accept my insurance. The doctor did not tell me this. I paid the doctor out of pocket.

What I am saying, is that you owe it to yourself to understand how your desires will play out against what is realistically the best you can hope for under our present health care system.

Gadagirl · 05-09-2016, 14:50

Quote:

Originally Posted by weavis

Yes I understand.
Methinks it is perhaps you that is not understanding....

right. So I should not be so afraid if I have these practical solutions lined up? Let's not be cryptic. I don't know my IQ but I'm guessing it's average. So spell it out, slowly, so I might understand.

Am I wise to choose insurance and preventive care costs?

Gadagirl · 05-09-2016, 15:04

Thank you Sea Dreaming! I notice you always try to give advice based on your knowledge but geared toward the other person's perspective. I appreciate that.

from your example I'd expect that I wouldn't face any more danger than I do normally on dirt dwelling life. So my answer is continue to insure myself for medical needs. I personally think that is sound planning, just as you'd insure your boat.

Gadagirl · 05-09-2016, 15:19

So let's just say for the record that I view health insurance as equally as I do insurance on the boat. And perhaps that's expensive, and perhaps because I won't compromise on those two items it may very well take me the full 5-5.5 years to execute my plan. So be it!

however I've begun research into some forms of remote business. Not easy, not guaranteed. But perhaps after 3 years of dedication enough

barnakiel · 05-09-2016, 15:24

If we want to buy insurance against ALL possible risks, even the rich among us will run out of money.

Given that, where do you draw the line?

IMHO insurance has been invented by people who want our money and as such, insurance and insurers collaborate against cruisers and the cruising lifestyle.

Hence an idea for the OP: train towards and become an insurance broker. Then hit the road (cast off) and sell insurance to landlubbers, farmers and ... other cruisers.

Cheers,
b.

**weavis** · 05-09-2016, 15:26

Quote:

Originally Posted by Gadagirl

right. So I should not be so afraid if I have these practical solutions lined up? Let's not be cryptic. I don't know my IQ but I'm guessing it's average. So spell it out, slowly, so I might understand.

Am I wise to choose insurance and preventive care costs?

Its not for me to advise you on your finances. I merely ask you to face your fears and see if they are going to stop you having the life you want. From my perspective, it already has interfered.... and continues to interfere based on a what if.

Preventative care costs for what? You dont have a health disorder. You might get one, you might not. Are you going to continue paying for something for another 5.5 years of your life, and perhaps in the meantime slow down enough to not have the energy to go sailing?

If mentally you need the blanket of security to live your life, then be prepared to let go of a dream.

There is no judgement in my statement. Just reality.

Gadagirl · 05-09-2016, 15:47

Quote:

Originally Posted by barnakiel

If we want to buy insurance against ALL possible risks, even the rich among us will run out of money.

Given that, where do you draw the line?

IMHO insurance has been invented by people who want our money and as such, insurance and insurers collaborate against cruisers and the cruising lifestyle.

Hence an idea for the OP: train towards and become an insurance broker. Then hit the road (cast off) and sell insurance to landlubbers, farmers and ... other cruisers.

Cheers,
b.

LOL �� I can't lie well enough! It would be an anchor on my soul to pursue such an endeavor! Worse than ailments and death! My conscience won't allow that! But thanks for the suggestion!

**weavis** · 05-09-2016, 15:59

Quote:

Originally Posted by Gadagirl

LOL �� I can't lie well enough! It would be an anchor on my soul to pursue such an endeavor! Worse than ailments and death! My conscience won't allow that! But thanks for the suggestion!

But......... even though you KNOW, it isnt stopping you buying into the scam..

Needs thinking about dont it.....

Gadagirl · 05-09-2016, 16:37

Quote:

Originally Posted by weavis

But......... even though you KNOW, it isnt stopping you buying into the scam..

Needs thinking about dont it.....

yes! I was thinking the same as I was responding! This would hardly be a consideration in other countries that provide for their citizens. But dealing with here and now? Being realistic? It's a business created on human vulnerability and for only profit. But that's the system I'm presented. That's why I hate it. But should I become ill? Well yes, they hold a source to affordable treatment and recovery. That's my option. I have to play to the rules I'm dealt. In my situation. Not yours. I don't agree with my options, so what would you have me do?

Gadagirl · 05-09-2016, 16:49

If I had $100 ,$200, $300k I could self insure against many possibilities. But I can't self insure, so I'm going to buy the health protection that's available to me. As any one would buy protection from any other harm.

**weavis** · 05-09-2016, 16:55

Quote:

Originally Posted by Gadagirl

yes! I was thinking the same as I was responding! This would hardly be a consideration in other countries that provide for their citizens. But dealing with here and now? Being realistic? It's a business created on human vulnerability and for only profit. But that's the system I'm presented. That's why I hate it. But should I become ill? Well yes, they hold a source to affordable treatment and recovery. That's my option. I have to play to the rules I'm dealt. In my situation. Not yours. I don't agree with my options, so what would you have me do?

Its your situation not mine.

Why the huge fear of the future? Should, Might, Perhaps, Maybe- fills your life. Ive read a lot of your posts and see an adventurous spirit trying to fly... and yet ...............

The problem is not health insurance. Its not employment in the future. Its mental obstacle you are sabotaging your thoughts with.

Do you REALLY want to sail? Then go sail. Do you REALLY want a job when you are 65? then go find or MAKE one at that time.

Its good to be cautious and plan for a future. It is not good to be overwhelmed by fear. All this worry will make you sick...

You look a lovely person and Im sure your not as naive as you make out. Just LIVE and life will sort itself around choices...

If you want to trade 5.5 years of your live for mental security... then do it.. I have no faith the insurance will be there in 5 years....but Ive been married and expect to be wrong....

**boatman61** · 05-09-2016, 17:14

Quote:

Originally Posted by Gadagirl

I view myself as silly if I compare myself to the millions in this world without such guarantee. But I know what's available, so I want it. I'm sure family and friends want that for me as well. I notice there's no argument against spending insurance $ in boat. But health insurance $ are considered useless. I just disagree with that for my own plans.why not offer myself protection.

The only insurance in my boat is £265/year Liability.. in case I cause damage to someone else's boat and/or person.. and because ports demand it.. for the same reason.
That's why I say.. never buy a boat you cannot afford to lose..

A

Gadagirl · 05-09-2016, 17:22

Quote:

Originally Posted by weavis

Its your situation not mine.

Why the huge fear of the future? Should, Might, Perhaps, Maybe- fills your life. Ive read a lot of your posts and see an adventurous spirit trying to fly... and yet ...............

The problem is not health insurance. Its not employment in the future. Its mental obstacle you are sabotaging your thoughts with.

Do you REALLY want to sail? Then go sail. Do you REALLY want a job when you are 65? then go find or MAKE one at that time.

Its good to be cautious and plan for a future. It is not good to be overwhelmed by fear. All this worry will make you sick...

You look a lovely person and Im sure your not as naive as you make out. Just LIVE and life will sort itself around choices...

If you want to trade 5.5 years of your live for mental security... then do it.. I have no faith the insurance will be there in 5 years....but Ive been married and expect to be wrong....

I have faith in myself that I'll find a solution. Was just asking for input. And i thank you for thought provoking ideas. Buts what's up with your marriage issues? Something you'd like to discuss? Not sure of the relevance to this thread?

**weavis** · 05-09-2016, 17:28

Quote:

Originally Posted by Gadagirl

I have faith in myself that I'll find a solution. Was just asking for input. And i thank you for thought provoking ideas. Buts what's up with your marriage issues? Something you'd like to discuss? Not sure of the relevance to this thread?

Brit humour.

We men expect to be wrong in the eyes of women...

Especially ex wives. When I read Zees comments regarding men... it reinforces the differences...